The Lounge is rated Safe For Work. If you're about to post something inappropriate for a shared office environment, then don't post it. No ads, no abuse, and no programming questions. Trolling, (political, climate, religious or whatever) will result in your account being removed.
The smart money is on not having national disaster insurance. If a disaster affects a large enough region, insurers who offered coverage are likely to deny the claims or go under and the State will have to step in with emergency aid. All those who paid premiums are playing a suckers game.
This only works because government's bail out those without insurance who live in high risk areas. However, I still will not be purchasing asteroid insurance.
I don't need it. By 2080 I plan to have my mind uploaded into the gigantic distributed processing core that has evolved from the internet. Shortly after I'll have my body decommissioned and it's ownership passed over to some suitable agency for medical research. Around 2115 I plan to join an expanding virtual community of dissidents who are in the processes of constructing their own breakaway hive mind. In 2120 we will launch our breakaway mind directly towards the sun to make better use of the power source.