Ugh...I see the fear ads all the time and believe it or not, they just make my job harder. I spend a significant amount of time explaining to people that insurance really doesn't "protect" you from anything. At the center of it all, insurance is designed to restore the insured to as close as possible to the status they had before the event.
Say you were a customer of mine and you came to me and asked, "Lou, how can I protect myself from Robot Attack". I would begin by explaining that there really isn't any way that insurance can stop a robot from rampaging through your home. However, I would refer you to my close friend Skeeter1 to get advice on the type of firearm (one that preferably fires amour piercing bullets) you should get. Once that task is completed, we can talk about the best level of fire coverage you should buy since I can only imagine a bullet riddled robot would throw off tons of sparks. Further, I would strongly recommend you avoid buying the anti-robot land mines that are so much in vogue right now. While they can be effective against older robots, the newer ones have ground penetrating radar...and to make matters worse, neighborhood children do not have such a radar. All it takes is one careless child chasing his errant Frisbee and now your looking at sky-high premiums for liability coverage...not to mention hostility from your neighbors...and of course, a dead kid.
Finally, I will work with one of the many many insurance lobbyists to see what could be done to reign in those scientists who so negligently produce robots.
It's the end of the world as we know it, and I feel fine
