If one insurer offered this, then no. If the majority of insurers I would be likely to use offered it, I probably would - after 3 years I've broken even, and I'

If one insurer offered this, then no. If the majority of insurers I would be likely to use offered it, I probably would - after 3 years I've broken even, and I'll definitely be needing home insurance longer than that. This latter situation also maintains my ability to shop around for competitive premium rates. So ultimately yes - I'd buy it as long as it has a positive EV for myself.