I purchased a Hornet because I figured a combat ship would get blown up a lot and lifetime insurance (free replacements) would be nice. It would also give me a lot of options for escort or attack missions.
I bought the Starfarer with LTI because the Star Citizen forums were going on about how the new information about the economic model meant that this was going to be a great cargo and fuel hauler = cash cow. As a juicy target, insurance helps too but unfortunately, the cargo isn't insured.
They should start a program to insure cargo too inside the game, real-life shipping has had insurance and underwriters for hundreds of years.
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