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Christopher Warren's avatar

I'm a RADICAL! I think all LIFE ON EARTH IS SACRED! I also BELIEVE that when HUMANS SPREAD INDIVIDUAL RISKS AMONGST OTHER HUMANS, that's SOCIALISM! We label it as Insurance, but what we're buying is shared risk just like why we have Fire Departments, Police, Life, Health and Auto Insurance the Government, the Military AND THE FDIC!

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Marie Wilson's avatar

Great discussion of a variety of topics. With regards to the fire insurance, yes, its time to evaluate the cost to those of us who follow basic fire prevention strategies with those who choose to live deep in the forest and ignore instructions about defensible space rules. Home owners in the heavily forrested areas should have annual inspections to determine their actual risk and if they chose not to mitigate their risks, then their rates should reflect their decision. Just like young drivers and very old drivers are allowed to buy car insurance, their rates do reflect the fact that are at higher risk for accidents. People with bad driving records pay more and i would equate that to dangerous vegetation and inaccessible access for emergency response from fire fighters. Premiums have always been higher for young and old drivers. I live in a flood plain and had to produce an elevation certificate for my house to help reduce the cost of my flood insurance. The risk you agree to should only be applied to others in the "risk pool" if you as a responsible person, have done all you can to mitigate the risk.(i.e. take drivers ed, or in the case of older people a driving assessment, or for wild land home owners, applied tge defensible space rules to your property)

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Marie Wilson

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