Is homeowners insurance a complete scam?

"So this is individualIs there any car insurance company who won't require no-claim bonus proof?
How can i get inexpensive health insurance for my husband.?
May a dealership offer you an automobile without car insurance?
"My partner and I now have 65 life  insurance  which we pay about $130 each month for that two people. After playing her friend Suze Orman she really wants to do away with the 65 lifestyle and obtain term life insurance