I know I know it’s the Times I did this to myself but I saw this cursed headline so now you have to as well
Home insurance companies pulling out of California and other areas will affect people living there as natural disasters are more frequent and more devastating. The consequence of these services being private in the first place
Moved recently so my apartment is uninsured. Hopefully the big earthquakes wait for a bit
Insurance of every variety (to the extent it is actually needed and no further) should be a non-profit, high oversight, public utility. Everyone pays into the local community fund, which is used to pay out for things that happen within the community.
No outside money, and no money leaving the community other than through service payments for work done to repair.