Leasing a vehicle?
In my opinion full coverage insurance is a bad investment.
The likelihood of it paying a return is very slim and extremely unwanted.
I have the largest possible deductible on all of our real estate insurance policies as well.
That deductible amount is covered after 3-4 years, and then becomes "profit" for me to place in my "self insured" fund and earn interest on.
I want/need insurance for catastrophic damage only or injury to others.....at the lowest possible expense.