Is an individual personal accident policy necessary if I am a homemaker?

Accidents cannot really be predicted and can happen to anyone. From motor accidents and rail accidents to natural calamities, the list is truly endless. It might seem that such a policy might not be needed for a homemaker. However, it is always best to remain financially prepared and opt for an individual personal accident insurance that can help you meet the expenses if in any case a crisis were to arise in your life.