The entire idea of any kind of insurance needs to be restructured.
The costs are too high for every kind of insurance there is.
My insurance, just for my family and things is comparable if not more than the 6 person yearly food budget. Health, Cars, property, and other stuff. The other stuff combined is about two cars worth of premiums.
I dont rent, but renters insurance is high as a giraffes ass. My adult children tell me all about it, as I pay their health insurance, thanks to Obama.


"Never Trust Government" -- Smart people.
"The Great thing we should Fear and the Weird Thing we Trust is Elon Musk" -- Me
"You can be broke but you cant be poor." -- Ruthie-May Webster