In article ,
"John Gilmer" wrote:

An insurance company may be willing to have a few K&T homes on
its rolls but it doesn't want to insure every house in some antique town.

Can't say for sure about K & T, but in general, "doesn't want to"
"is forbidden by law from." Insurance companies can insure x number of
homes in New Orleans from hurricanes, y number of homes from tornadoes
in Kansas, and z number of homes from earthquakes in Los Angeles, but
they are forbidden to insure x+y+z number of homes for the same hazard.