Rod Speed wrote:
I choose not to insure my house. Essentially because
I designed it so that no fire will ever burn it down
and I know it cant be washed away in a flood etc.

Have you also designed it so that hurricanes never occur,
that heavy rain never occurs, that scotes never chuck
bricks through your window or smash you door in.

There's a reson for the trope "if you can't afford to
insure X, you can't afford X".

JGH