Actually, insurance is always a bad gamble.
The insurance company always makes a profit, so on average, you'll get less than you pay.
ON THE OTHER HAND,
Do you really want to risk holding the losing hand?
For most of 'em, I think their denial is political, and has nothing to do with risk.
So, I suspect most of them have insurance ---- if they own property.
how many people in California buy earthquake insurance even though they live on a fault line
Fire risk is real, global warming is a myth.
no
