What insurance is reasonable to have - i really wanna avoid scam?

Man y insurance is scam - like credit insurance etc (banks are trying to upsell any crap and it does not cover u and is structured in the way that loopholes will allow insurer never pay u money) in that light - what insurance is reasonable to buy ? home insurance ? health insurance ? boobs insurance ? etc ?
Answer
In your case get insurance for a new brain and get a life!