People really gotta teach their kids to deal with their emotions better.

From lunatics who literally cannot exist in a world where they don't get their way, to millennials who are barely able to deal with the stresses of everyday life without substance abuse, people really need to learn healthy coping mechanisms.

This lady is insane and deserves every moment of jail time she will receive from burning down this man and his family's home. BUT she was failed by her parents and society in general for not teaching their kids how to encounter negative emotions and not go on a psychotic episode and destroy someone's most valuable possession.

Saying not to stick your dick in crazy is one thing, but we should strive to reduce the amounts of crazy in general.

/this also would be handy for dudes who repress all their emotions and slowly develop brain tumors that kill them at 35.
//better learning how to navigate their own emotions would also make people more empathetic as well, and end up benefitting society in much more wide reaching ways
///it would also go a long way to curb the suicide/mass shooting deaths that kill a shiatload of people every day

LineNoise: If you rent, have renters insurance. It is dirt cheap. If you don't have it and only listen to one bit of nonsense i spew in your life, stop what you are doing and get it. Like now.

If you own, i sure as hell hope you have homeowners.

If you have specific valuable items, make sure you read your policy and abide by it, document stuff right, have riders if necessary.

If my house burned down the list of some contents would read like someone trying to scam insurance. So i have paperwork around it, pictures, informed the insurance company, have a rider or two for certain stuff, etc.

Yes insurance takes time, but generally in a destructive event, you will get a check in a day or two for some of it to get you moving again, while everything gets sorted out.

If you have a mortgage, which I would assume most people have if they own their home, it is required (as I understand).

But as someone else mentioned earlier, I don't think HOI covers arson.

LineNoise: Maker_of_Roads: But as someone else mentioned earlier, I don't think HOI covers arson.

IT IS THE SAME DAMN THING.

The only thing different with a mortgage is the note holder gets made whole first on the value of the home. Other property is treated differently. READ YOUR GOD DAMN POLICIES.

If you own it outright, sure, you don't NEED insurance, but are an idiot for not having it if its your primary home. We recently took comp off one of our cars, because it no longer made financial sense. One day i'd love to be in a place where I can say, "Ehhhhh, if that house burns down, it burns down....what are you going to do" but i'd be willing to bet even billionaires have homeowners insurance.

A cursory google search reveals that most homeowners policies don't cover arson.

"Since arson is an illegal act, an insurance company has the right to deny compensation for it."

"Most home insurance doesn't typically cover human-caused fires."

"Typically, standard homeowner's insurance policies cover fire-related damage. However, arson-related fires automatically nullify your claim."

I couldn't imagine having something like my home without some form of insurance, even if I could replace it easily, so I agree that it doesn't make sense to not have it even on a home you own outright.

LineNoise: Maker_of_Roads: LineNoise: Maker_of_Roads: But as someone else mentioned earlier, I don't think HOI covers arson.

IT IS THE SAME DAMN THING.

The only thing different with a mortgage is the note holder gets made whole first on the value of the home. Other property is treated differently. READ YOUR GOD DAMN POLICIES.

If you own it outright, sure, you don't NEED insurance, but are an idiot for not having it if its your primary home. We recently took comp off one of our cars, because it no longer made financial sense. One day i'd love to be in a place where I can say, "Ehhhhh, if that house burns down, it burns down....what are you going to do" but i'd be willing to bet even billionaires have homeowners insurance.

A cursory google search reveals that most homeowners policies don't cover arson.

"Since arson is an illegal act, an insurance company has the right to deny compensation for it."

"Most home insurance doesn't typically cover human-caused fires."

"Typically, standard homeowner's insurance policies cover fire-related damage. However, arson-related fires automatically nullify your claim."

I couldn't imagine having something like my home without some form of insurance, even if I could replace it easily, so I agree that it doesn't make sense to not have it even on a home you own outright.

Did you read any of your actual articles, or just look at the headlines. Hell you didn't even do that, because your second one's headline is literally "Arson-caused fire damage typically covered by home insurance"

Yes, your insurance company won't pay you back if you burn down your own home on purpose in the strict definition of Arson, because, well, why the fark did you burn down your own home?

Someone else does, yes, you will get paid.

None of the sources I've read (yes, I read them) make the differentiation between who did the arson, just "human-caused" fires.

Maybe it's covered in specific fire clauses in the homeowner insurance policies, but it isn't something I'm finding on my cursory google search.