"sfb" writes:

A) Who said they are insured?

B) Government decide what is built where not the insurance company.

Zoning and such controls what is possible. But, unless you're paying
cash for your entire building process, the people you're borrowing
money from also get a say. Most of them insist on insurance as a
condition of the loan. And it seems completely reasonable (and also
properly libertarian) for insurance companies to get to decide what
things they'll write coverage on.

C) For a sufficient premium, most anything could be insured.

Sure, but the premium may be larger than the cost of building the
replacement, so it's not very useful.
--
David Dyer-Bennet, , http://www.dd-b.net/dd-b/
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