It is interesting when we get insurance, any form of insurance, we are advised by the person who is selling it to us.  Let's think about that for a moment......... Lots of things in life are like that, salespeople are supposedly the experts in their field.   In the 70s my dad was a mechanic, he also sold cars, the cars he serviced, so he was the expert, he knew about cars intimately!  Still does!  Things have changed dramatically, we now have specialist car sales people, that's all they do, they know a minimal amount about the actual mechanics of the vehicle and their only job is to sell it to you.   Insurance sales people are the same as that.  At the end of the day, their job is to sell a product that "suits" you.  They are in the business of selling and that is how they earn their keep, we have to respect them for that.   I was sold very high contents insurance,  I had it for many years.  I did a lot of research in this...