We Need Universal Homeowners Insurance
by Geoffrey Pike
by Geoffrey Pike
Previously by Geoffrey Pike: A
Lesson for the LP
The whole debate
over health insurance has me thinking. While we consider the millions
of Americans without health insurance, we should also be having
a debate about homeowners insurance. It is hard to believe, but
in the richest country in the world, there are some that go without
homeowners insurance. How can we as a society tolerate this any
I think we
need to open up the debate and start exposing the evil homeowners
insurance companies that are greedy and always looking for a big
profit. These companies donít actually do anything except charge
premiums and then occasionally pay out on claims. The difference
is excessive profits that benefit the executives.
We need to
make homeowners insurance affordable and available to everyone.
No one should have to go without it. First, we need mandates on
these insurance companies that say they canít discriminate. These
greedy companies think it is okay to discriminate if you have a
pre-existing condition. There are people who have had major fires
or floods that have severely damaged homes and now they are being
prevented from buying insurance. This is pure discrimination and
we should not allow this to happen as a society.
The next thing
we need to do is to get state legislatures to start mandating that
these insurance companies cover more things. There are millions
of homeowners with leaky faucets and stained carpets. They should
not have to live like this. Insurance policies should cover these
things. It is not right that some should have to walk around with
a stained carpet while rich people can get new carpet on a regular
basis. The insurance companies should be forced to cover such things
in their policies. You should also know that when you get your free
carpet cleaning, covered by your insurance, that it could only be
done by a government-licensed professional.
Now we must
discuss unfair competition. We need states to enact laws that prevent
people from buying homeowners insurance from other states. It is
ridiculous that someone from Florida can buy insurance from some
company in North Carolina. This hurts the people of Florida by exporting
jobs. Florida residents should be forced to buy homeowners insurance
from companies within Florida that benefit the workers of Florida.
It might be
argued that the federal government should override this using the
Clause in the Constitution. We must remember that the Commerce
Clause provides the federal government the power to do anything.
But in this particular instance, the federal government should respect
statesí rights and not interfere.
buying your own homeowners insurance wonít be an issue anyway, since
you should be provided this as a benefit from your employer. It
would make perfect sense for the federal government to set up the
tax code and other regulations that encourage businesses to provide
homeowners insurance coverage to their employees. These businesses
can afford it and people should not be expected to go out and have
to shop around for their own policy.
If all of these
measures are not enough and some homeowners are still without insurance
(although, how could that be, since these measures would surely
lower costs), then the federal government should step in and provide
a government option. People will be mandated to have homeowners
insurance or they will pay a fine or else go to jail. But donít
worry, because the government option will help those in need. After
all, what is the government for if it is not to take care of people?
We are a compassionate
and caring society with a lot of wealth. We should care for our
fellow human beings. In our times, nobody should go without homeowners
insurance. Letís get state governments and the federal government
to fix this problem. They have done such a great job with our healthcare
that we should give them a chance to provide universal homeowners
is a purely sarcastic piece and is not meant to give any bright
ideas to any bureaucrats or politicians.
Pike [send him mail]
currently resides in Florida. In his spare time, he enjoys sports,
music, investing, and studying libertarianism.
© 2009 by LewRockwell.com. Permission to reprint in whole or in
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