Homeowners insurance is supposed to cover general risk. But over the years they have become increasingly aggressive at lobbying state insurance commissions to accept more and more exclusions to standard policies. This behavior correlates with a shift from mutually owned companies to corporate entities.<p>They are scum because they happily collect their premium, and actively undercut the costs of the policies to maintain profitability in the short term. They also screw with people for claims they owe. In a case I&#x27;m aware of near my home, the insurance company low balled a fire claim by 30% for quick settlement, forcing the homeowner to roll the dice in arbitration.