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While it’s certainly accurate insurance is a regulated industry, nothing you listed explains why it’s a good idea to allow government to set or approve rates vs

While it’s certainly accurate insurance is a regulated industry, nothing you listed explains why it’s a good idea to allow government to set or approve rates vs. ameliorating those social concerns through other means.

20after4 3y ago
Because insurance isn't optional. If the law demands insurance then the law must assure equal access to the legally mandated insurance.
- twoodfin 3y ago
  Which law demands home owners carry an insurance policy?
  - Kalium 3y ago
    In the US, it's a requirement of mortgage lenders. This makes it less of a legal requirement and more of a de facto requirement, as most homes are purchased via mortgage in the US.