Should I avoid any insurance?

Everybody has different circumstances in their life and therefore will need different insurance coverage. But it is a good idea to stick to the basic types of insurance listed above. If you do venture into other types of insurance, make sure you are very well researched and know exactly what you are doing. There are types of insurance that use scare tactics to lure you in, and have premiums that are overpriced. Stick to the basics and you will be fine, because generally the same coverage is built into life and health insurance as is offered by these specific insurances such as flight insurance etc.