The rest are our opinions about subjects. The opinions can be in line with the trend or go in the opposite direction. Sometimes these contradictions can confuse. Right until the new idea becomes a trend, and all are happy. Until the moment, a new opinion stated.
I do not know exactly how it is in Western countries, but insurance is a very young business here. People almost never insure their houses and very seldom the life. What they do insure albeit are cars. They are obliged to do it by law.