Insurance used to be to protect your family and items from the unexpected but now you can get "insurance" for you fantasy football players. A lot of fantasy experts will advise you to pick up your insurance option if you draft a player that is to good not to be covered, injury prone or when the starter might lose his job, of course they are talking about that players backup. It covers you in the event one of your key players gets injured, then you have the replacement and no worries. Some insurance players can even be played because they split time with the starter which makes them extra important. Another plus about insurance players is they are usually the ones playing later in the season so the starters don't get injured for the playoffs. Some top starters and their insurance players are in no certain order:
1)W. Dunn and J. Norwood (ATL) Dunn had a bad year and might lose his job to Norwood
2)D. Foster and D. Williams (CAR) Foster is no prize at RB, might lose it to Williams
3)M. Lynch and A. Thomas (BUF) Lynch should start but Thomas could split with rookie
4)C. Taylor and A. Peterson (MIN) Taylor looks like he will be splitting time
5)T. Henry and M. Bell (DEN) Henry is the starter, Bell is only in injury case
6)K. Jones and T. Bell (DET) Bell and Jones could be splitting time this season
7)R. Bush and D. McAllister (NO) Both are great RBs and could start every week
8)C. Portis and L. Betts (WASH) Portis is coming back from injury, just in case
9)F. Taylor and M. Jones-Drew (JACK) Both could be used as starters
10)J. Jones and M. Barber (DAL) Barber is a TD machine last year
11)B. Jacobs and R. Droughns (NYG) Jacobs first year as a starter, may need some rest
Of course they're others out there too. If you have one of these players you might want to think about taking the other half of your draft pick.
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