I've never had any of my 3 houses burn down. I don't know why everyone says buy insurance, and having a fire extinguisher is a good idea. It seems to me like a

I've never had any of my 3 houses burn down. I don't know why everyone says buy insurance, and having a fire extinguisher is a good idea. It seems to me like a common misconception that you "have to have a fire extinguisher" (or other supression system), otherwise you'll have your house burn down.