“If you live in a flood plain, on the side of a volcano or on an earthquake fault, why should I subsidize your monthly insurance payments?”
Let’s take that further, why subsidize your monthly insurance payments when you are such a moron and are a danger to your house and our cars?? We should have an intellect test, which due to your lack of insurance understanding suggests you should be charged more for your insurance.
I think that they believe that “amortizing the risk” over other policy holders’ policies, is a license to choose to live in a proven dangerous place, and have us help pay for their cost of reconstruction/injury/death, when we’ve made a smart choice not to live in those obviously risky places. An “intellect test” should be mandatory.