14 insurance products that are a waste of money

At its best, insurance helps protect against events that could send your finances into a death spiral. Crucial products include insurance against serious car crashes, the loss of or damage to a home, and the loss of income due to death or disability.

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Other products? Many offer little value, or they’re filled with exclusions and caveats. Following are some potentially dumb insurance buys:

Marilyn Lewis and Hiram Reisner contributed to this post.