How could term insurance for homes be possible? Homes are (despite some fluctuations) relatively good stores of value that you want to pass on to later generati

How could term insurance for homes be possible? Homes are (despite some fluctuations) relatively good stores of value that you want to pass on to later generations. Comparatively, once a typical human retires from working, he isn't producing much of insurable value (and presumably, his offspring are capable of achieving financial independence).