There is nothing you can't get if you pay enough for it including insurance.
Generally speaking for those who say "self-insure" if you have a mortgage your bank won't go along with that. If no mortgage and you feel you can survive a large claim like a (rare) tornado or hurricane or sinkhole or fire then no law says you need home owners insurance.
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"I think the scariest person in the world is the person with no sense of humor."
Michael J. Fox
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