It's the difference between paying a few hundred dollars a year on your own insurance because it's incredibly unlikely your house burns down, and many thousands

It's the difference between paying a few hundred dollars a year on your own insurance because it's incredibly unlikely your house burns down, and many thousands a year because your suburb burns down once or twice a decade. We shouldn't be back stopping the insurance costs for anyone. If they can't pay it, maybe that tells them something about the place they are choosing to live in.