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Genius really if you think about it, if everything is ruined might as well burn it to the ground on the way out and get the insurance pay out. Funny title for the photo

All these insurance try to mint money, even in this case they will find a way to avoid paying the insurance amount.

Unless if they determine that you started the fire just to get the insurance, then it's insurance fraud and you will go to jail AND not get the insurance money.