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If I rent an apartment and the landlord doesn't fix something, I can fix it with my own repairman and charge them the bill. There is nothing special about renting.

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If the pipes in an apartment fail, the building won't murder someone on the highway.

Electrical fires, mold, etc etc there is enough things can be dangerous and harmful in an apartment.

to people on the highway?

To others in the apartment, and potentially, the entire neighborhood if a fire gets bad enough. Don't be so literal.

Don't be so literal? You want me to abstract enough so that you're right?

car and house insurance are different. Trying for spurious similarities to suggest otherwise bears no useful insights.

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