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Reply to "People who don’t insure their house "
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[quote=Anonymous]I know multiple people who can't get insurance because of the condition and/or location of their homes. It's bad in that they are high risk, but on the other hand the structures themselves are not worth that much: value is in the land. If the house burned down they could sell the bare lot and live on that money for a bit. In theory they should be putting an amount in savings equivalent to a normal premium, but that's hard for people to do. I am financially conservative and I don't know if I have the discipline to self insure like that. [/quote]
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