@sraspusr20: The only thing that I can tell you is that most mortgages REQUIRE insurance. So, if the homeowner doesn't have insurance, it's their lack of good judgment along with the negligence & fault of the lender, and not our fault to have to "help" the owner through as a taxpayer. Same goes for those that no longer have a mortgage, and homeowner's insurance isn't required, so they gamble to save the extra annual money. Bad choice. Not my fault or responsibility. 'Nuf said!!!!

I HOPE THESE HOMEOWNERS HAD INSURANCE. SEEMS VERY FEW PEOPLE HAVE HOMEOWNERS. WHY I ASK WHY!!!!