Agreed. I don't see what the benefit of insurance would be. Insurance only makes sense in one case: when "the big one" will send you under water.
In this case, they're liable to get a few claims per year (or month, or whatever). If they wanted insurance, they'd have to pay all of that PLUS some, spread out into a monthly payment. Doesn't make any sense.
If they had an open-ended policy that covered emotional damages or somesuch, maybe they would need insurance.
In this case, they're liable to get a few claims per year (or month, or whatever). If they wanted insurance, they'd have to pay all of that PLUS some, spread out into a monthly payment. Doesn't make any sense.
If they had an open-ended policy that covered emotional damages or somesuch, maybe they would need insurance.