1.   Check with your personal policies before buying insurance to cover lost luggage.

2.   In fact, many buy snow insurance as a hedge against extreme weather.

3.   You can buy insurance against risks of all kinds.

4.   You can buy insurance over the phone.

5.   In essence, hedgers as a group buy insurance from speculators who take calculated gambles.

6.   Although most homeowner and business policies cover objects that fall from the sky, for instance, you can buy anti-asteroid insurance.

7.   And among firms that do offer coverage, many of their workers decide not to buy the insurance because of unaffordable premiums.

8.   And buy travel insurance.

9.   And if you do buy the insurance, ask for a contract offered by the auto manufacturer, he said.