[RunItUpTheGut]

My insurance is Is taken directly out of my mortgage.
What about older couples who didnt have insurance? Couldnt afford it because they barely made enough from Social Security to pay rising everyday bills? What if they have no family or community help?

If you have a mortgage than more then likely your insurance and property tax are both escrowed in. Banks do this to protect themselves by making you pay for it the same way you have to have full coverage on a car that your paying payments on.

Govt relief is for the types of people you described. However, its often misused. Look at the Katrina ordeal. Also, how are you going to deny someone with insurance or someone thats well off any govt money when your giving it to the poorest of the poor?

Insurance isnt a want, its a necessity, and if you own a home, you better have it.