By that logic, we should also have grenades, missiles, and perhaps a tactical nuclear weapon at home, just in case. Probably won't need them, but who knows.
> I've owned guns for self protection in the same 40+ years and have never needed them for self-protection, but I also haven't needed any of the other above forms of insurance except the last which came in really handy when my apartment was hit by a natural disaster.
So what you're saying is that you don't need your guns, but the insurance did come in handy after all. Got it. I feel like you're making the parent's point for them.
Your "logic" is missing the minor detail of required precognition. I didn't start buying personal property ("renters") insurance in the 1980s because I knew I'd need it decades later.
> I've owned guns for self protection in the same 40+ years and have never needed them for self-protection, but I also haven't needed any of the other above forms of insurance except the last which came in really handy when my apartment was hit by a natural disaster.
So what you're saying is that you don't need your guns, but the insurance did come in handy after all. Got it. I feel like you're making the parent's point for them.