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  "path": "/personal-finance/insurance/why-you-should-pay-for-insurance",
  "publishedAt": "2026-05-22T09:30:00.000Z",
  "site": "https://www.kiplinger.com",
  "tags": [
    "Insurance",
    "Wealth Creation",
    "Home Insurance",
    "Car Insurance",
    "Personal Finance",
    "Investing",
    "Wealth Management"
  ],
  "textContent": "An insurance policy isn't a lottery ticket — it's a contract that acts as a backstop against disaster, which is why the best claim is the one you never have.",
  "title": "The Superhero You Hope Just Sits There: The Best Thing About Paying for Insurance Is Not Having to Call on It for Help"
}