I really can't feel too sorry for someone that can have property and not buy even basic insurance on it. I've worked in the that industry for over 35 yrs. and see thousands of insured fires every year. It happens to the best of us. It's really your individual choice to get it or not, unless you have a mortgage or other loan on it, but you can work with an agent to get basic coverage through a FAIR plan, in most states.
People that don't have even basic liability coverage on an auto they drive are beneath contempt, unless they are very rich. If you don't want to cover it for comprehensive and/or collision is your loss when something happens, but don't make someone else suffer when you cause bodily injury or property damage (or both) and not have some way to pay for it.
I've had good experiences with my farm insurer (it's not the company I work for) when I had wind damage to the house (a big tree blew down on the chimney and roof). I got people out right away to estimate the damage or take care of immediate problems, sent them the bill or estimate and away we went. I even told them there was only one roofing company I would accept to replace the damaged slates, they agreed with no problem. Some other issues came up on the chimney liner, they paid for a stainless steel liner to replace it rather than have to tear it down even further to fix.
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Today's Featured Article - Restoration Story: Fordson Major - by Anthony West. George bought his Fordson Major from a an implement sale about 18 years ago for £200.00 (UK). There is no known history regarding its origins or what service it had done, but the following work was undertaken alone to bring it up to show standard. From the engine number, it was found that this Major was produced late 1946. It was almost complete but had various parts that would definitely need replacing.
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