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If you are housed, you are almost certainly paying for home insurance, even if you rent.

1. Many landlords don’t require tenant’s insurance. 2. If you choose to get a mortgage you have to pay for homeowner’s insurance yes. You have the option to not get a mortgage if you prefer.

Notice how in both of the above, there is no third party forcing me to pay for anybody’s bad choices.

Your landlord has insurance on the property.

You are paying for it with your rent, just like you're paying property taxes.

He’s welcome to pay for home insurance if he likes. That doesn’t mean I’m forced to pay for it. It’s like saying that I’m forced to pay for other people’s education because the Starbucks provides it as a benefit. Not really lol

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