Insurance is like an umbrella – when the sun is shining, it feels unnecessary. But when rain suddenly starts pouring, you regret not having it at hand. Nobody likes spending money on something they might never use, and the benefits aren’t always visible. However, some insurance policies are mandatory, like vehicle liability insurance (OC), where not having coverage can result in hefty fines and significant expenses in case of an accident. If banks and financial institutions require insurance for mortgage loans, why do we often resist protecting ourselves? A well-chosen policy not only meets formal requirements but also safeguards you, your assets, and your loved ones from unexpected situations.