Homeowners insurance rarely actually covers everything lost in a fire, and takes years to pay out in many cases. I really hope your disaster recovery plan is "insurance'll fix it".

> That's what homeowner's insurance is for

This mentality is baffling to me. No, insurance isn't there so you can knowingly do risky things, it's there in case something accidentally happens.

Would you say the same about juggling chainsaws? "That's what health insurance is for"?

Absolutely crazy to me