Either way, insurance companies can be parinoid that
someone will die.

Just telling you what I was told.

tom @ www.NoCostAds.com

WELL THINK ABOUT THIS! $100,000 policy perhaps 500 bucks.

lets imagine a house fire totaling building and thats common today few
are home during working hours......

after the company covers basic costs how many 500 buck policies does it
take to cover the replacement or major repair cost of a single house
fire?

realize that 500 bucks probably covers the structure and all
possesions.

probably 150 grand

I have a friend who had a house fire 135 grand structure only.........

there isnt a unlimited pot of money, insuring bad risks.... to cover
the excess costs premiums have to go up

Who volunteers to pay more?