Please don't take this as a negative comment because it's not meant as such, but I was wondering why this family had no house insurance. They lived in a nice 3-story home and had an SUV and a custom motorcycle. I imagine they also had a nice income from the firefighter's retirement up north (where the pay is better). Also, with him being a firefighter, he knows how you can lose everything from a fire in an instant. I'm sure he's seen it happen to many other families. Why wouldn't he protect himself and his family with some fire insurance? Just wondering.....