Insurance in many aspects is fully realized to ensure that the community pay the maximum endurable and to pay for all claims. The insurance companies keep moving all the chips so you don't realize they are just a form of saving for you, where they manage the money and take all the interest only to backslap you when it's time for you to withdraw the saving to pay for catastrophe.
The benefit of actually not making claims or even looking after stuff, such as aging roofs, etc, is that you can call them to task based on your claim history.
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