You are exceedingly stupid.<quoted text>
psst... mortgage providers require homeowners insurance as terms of the loan, so 'buying' it isn't optional.
You would gamble your house and everything in it against any odds? You must have no favorite chair, no valued photographs of your children, no sentimental remnant from a long-dead grandmother. Your house cannot be called a home, for surely it only contains the material and has no soul.
And you are exceedingly stupid in thinking that I am required to insure my home. For me, it's optional.
Sorry, Charlie, but this house is paid for...and I don't intend to lose my investment to anyone or anything.