Forget insurance, try our guaranteed preventive services instead!
Better because:
- You're less likely to have the bad thing happen to you.
- It's cheaper than regular insurance.
- It's more human.
- It's guaranteed! E.g. If you have a fire while under our services contract, we'll reimburse you for the damages!
It works like this. You sign up for, let's stick with fire prevention service. A technician visits your home annually and checks out potential risks. He might see a pile of oily rags in the garage next to the water heater with a pilot light. He then might say, "would you like a fire proof oily rag container to use for free?" And you would say "yes. yes, please." Then he might see that the your fuse box is located under your sink. He might then say, "hmmm, this could cause a fire. What do you say I arrange for this box to be moved to another location for a fraction of the cost it would normally cost you?" And you say, "I see your point. Sure!"
Why is he so generous? Because preventing fires is chump change compared to rebuilding after fires! Assuming there's an insurance company insuring 1000 homes against fires, while at the same time a preventive services company (could be an arm of the insurance company, I don't care) is servicing 1000 homes. And by doing their work they cut down annual fires from 10 to 5, (this must be a very fire-prone location). Then they have 5 burnt houses worth of cash to: implement fire prevention measures, bring down the cost of people's premiums.
What other common insurances could be better prevented? Theft, health, auto, what else?
Obviously, if you were devious you could use this opportunity to get in people's houses, see the big risk for their situation and choose not to cover them or to up their premium. This is maybe up for debate, but I don't like it and would prefer some kind of flat, no-refuse regulation be instituted from the get-go.
Better because:
- You're less likely to have the bad thing happen to you.
- It's cheaper than regular insurance.
- It's more human.
- It's guaranteed! E.g. If you have a fire while under our services contract, we'll reimburse you for the damages!
It works like this. You sign up for, let's stick with fire prevention service. A technician visits your home annually and checks out potential risks. He might see a pile of oily rags in the garage next to the water heater with a pilot light. He then might say, "would you like a fire proof oily rag container to use for free?" And you would say "yes. yes, please." Then he might see that the your fuse box is located under your sink. He might then say, "hmmm, this could cause a fire. What do you say I arrange for this box to be moved to another location for a fraction of the cost it would normally cost you?" And you say, "I see your point. Sure!"
Why is he so generous? Because preventing fires is chump change compared to rebuilding after fires! Assuming there's an insurance company insuring 1000 homes against fires, while at the same time a preventive services company (could be an arm of the insurance company, I don't care) is servicing 1000 homes. And by doing their work they cut down annual fires from 10 to 5, (this must be a very fire-prone location). Then they have 5 burnt houses worth of cash to: implement fire prevention measures, bring down the cost of people's premiums.
What other common insurances could be better prevented? Theft, health, auto, what else?
Obviously, if you were devious you could use this opportunity to get in people's houses, see the big risk for their situation and choose not to cover them or to up their premium. This is maybe up for debate, but I don't like it and would prefer some kind of flat, no-refuse regulation be instituted from the get-go.
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