We have to be careful. I think we should have insurance because it could save money, and even lives. The money part is because if we don't have insurance we might have to pay for everything, and a lot. Then if something gets broken we have to pay ourselves. The lives bit is because if we pay we might save money and prevent famine.
They are a form of life. I think they are equal to humans because we are not the only life form on earth, that animals share a home planet with us. Besides, how would you feel if a gang of unknown creatures carrying bows, arrows and guns chase you until you are shot? Probably bad,huh? You will die if you're not careful. I think since animals have feelings, we should respect them.