Insurance - Necessary Evil?

Insurance - Necessary Evil?
As consumers, let alone real estate investors, we tend to flinch whenever the insurance bill arrives. Many times, for good reason: rates are higher, coverages seem to diminish, and for what? We have never even filed a claim! However, if we stop thinking of our insurance policies as just another drain on our cash-flow, and more as a legitimate part of our business plan, that premium notice may be a little bit easier to open...