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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]We don’t have homeowners insurance. It is priced based on average risk, plus a profit margin for the company. I am much more careful than the average person - always clean the dryer lint etc - so my house is much less likely to be damaged than the average person’s house. So it would be a net negative for me to purchase i.[/quote]

You’re an idiot. Wait till a healthy tree falls over in a freak storm, which we had inspected every year. Hope you’ve got $65k for that—the amount we got from insurance. It didn’t cover the $6K we also paid to take the tree trunk down because insurance doesn’t care about that. They only covered the branch that hit the house removal. [/quote] 
You’re supposed have enough common sense to trim down or remove any trees that could reach your house if they happened to fall (which they do, quite often, healthy or not). I cringe any time I see a million dollar house closely surrounded by 50 foot trees. An ounce of prevention is worth a pound of cure…Prepare for the worst, hope for the best…yadda, yadda

You aren’t able to handle the basics of homeownership, so of course you need homeowners insurance to spread the risk. PP considers what could happen, takes steps to prevent it, and is then rewarded via the risk.[/quote]

Obviously you don't live in DC, loser. Look around. You can't take down trees willy nilly, or you'll rightfully pay a fine. [/quote]
Did you know it takes decades for a tree to reach full height? The tree(s) obviously existed when the home was purchased. Very similar to buying a home next to an airport, then immediately complaining about airplane noise. Even worse is when a homeowner plants a future problem tree themselves, and is proud to have done it! Silly mistakes like these are why insurance premiums are sky-high and continue to grow. And insurance companies will gleefully let homeowners do it, charge them accordingly, and still print money after paying claims since they manage the risk so well…but mostly profit because we all end up paying more since that’s how insurance works.[/quote]

LOL a word salad mansplainer. [/quote]

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