COMMENTARY: Community shouldn’t take the place of home insurance

I’m Bill Kingston with today’s commentary. I’ve decided to save myself a couple bucks – roughly $800 – and cancel by home insurance. I mean, if anything goes wrong, like a fire, I will just set up a fund raising page and everybody will help me rebuild. Okay, I’m being facetious. But I was floored that we have had another fire in Cornwall and a renter didn’t have any insurance. In this case, a GoFundMe page was set up to get the person back on their feet and to get them clothes, household items and the like. I applaud our community and the willingness to help out their fellow man and woman and this is not about kicking a person when they’re down. But there’s a “teachable moment” here. With limited resources, the community shouldn’t have to fund something that should be covered by insurance. Home or renters insurance is probably the most affordable type of coverage. And by helping somebody who doesn’t have insurance, what sort of message is that sending? That it’s okay to not have insurance because society will swoop in and save me? I’m surprised other renters don’t feel “cheated” in some respects that they have done the responsible thing. Even new social housing clients have to have renters insurance – it’s mandatory. As this family gets back on their feet hopefully they will learn a valuable lesson in the process.

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