You wouldn’t use an umbrella with partial coverage...
So why do you do it with your insurance?
Umbrellas are meant for one thing: to protect you from the weather, whether that be from the harsh sun or the pouring rain.
They only work when they work fully.
One hole can completely ruin the umbrella.
It's very similar with insurance.
Yes, technically you could get really cheap and very minimal coverage, but it's not going to help when the storm comes.
It would be the same as using a cocktail umbrella for some shade on the beach.
Yeah technically it is an umbrella, but it's not very helpful.
So do yourself a favor, and don't skimp on your insurance so that you can be Rest Insured.