In article , "Bill Denton"
writes:

But if you go out and put a giant fence out in front of your house to
protect against cars crashing into your house, you probably will not get a
premium reduction.

For a house, not likely. But in a commercial setting, I likely would. I'll
ask some of my commercial underwriter friends next time I see them.

Since the driver of the car would be liable for the
damages to your house, and the insurance company would not be liable, and
would not have to pay anything, it would be of no advantage to them if you
put up the fence, so why should they give you a premium reduction?

But part of what people and companies buy insurance for is to cover losses
caused by people who are uninsured or otherwise judgement proof. (no assets)
Their insurance company definitely does have an interest.

I live by an airport (by choice). If a plane crashes into my house and the
owner is underinsured and has no money, you bet that my insurance is picking up
the tab.

John