That's how I think as well, but I used to have BMW's with run flat tires which were a disaster and wheel and tire insurance saved me quite a bit of the past few years. I also live in New Jersey which is full of potholes.Can't say about such insurance. I have never heard of wheel and tire ins. I am not a believer in insurance much at all. It has worked out well for me to save all the premiums, invest them, and pay for repairs myself. I just keep liability on my cars. How often do you have tire issues other than normal wear?