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Question: When Your Insurance Company is the Biggest Risk, Who Insures You?

Who insures you against your insurance company? I paid for insurance against hazards like theft, water damage, tree limb fall, a toilet seat crashing through the roof. If I had enough money, I could insure against earthquake. I’d be paying big premiums for protection against an infrequent, but potentially very damaging event. I shoulda been a risk analyst.

Who insures against the risk of the insurance company itself? Who knew Safeco/Liberty Mutual would dispossess me? I could never have foreseen myself without the only home I’d ever known. My major concern when the tree limb fell on my home was not becoming homeless, but I am homeless nevertheless. Why am I homeless indoors? Because I should have bought insurance against the hazard of my insurance company. I don’t know who sells it. Do you?

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