I've not considered this before but I wonder how much insurance costs modify behaviour, and how much in a positive way.
The most important in the UK is third party (insuring against damage and injury caused to others). Does high insurance help avoid those outcomes? If not that feels like a good government level solution. Insuring your own property is your own business.
The most important in the UK is third party (insuring against damage and injury caused to others). Does high insurance help avoid those outcomes? If not that feels like a good government level solution. Insuring your own property is your own business.