Property insurance is necessary if you own a car or a home, especially if you have a loan or mortgage. But it’s also a flawed system that punishes you for using the coverage you’ve paid for. Surviving without health insurance is difficult, too, and I don’t even want to get into what’s wrong with the state of healthcare in the United States. Finding insurance coverage Shopping for insurance coverage is easy if you’ve never had a claim and just want to save some money. You can go online to compare rates of major and not-so-major companies and choose the one with the best price and coverage. Often, there’s a discount…