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Homeowners insurance is typically quite literally required by the mortgage lender. As in, they will sue you if you don’t maintain the minimum level of coverage, because it’s a material beach of contract. And yes, many do check regularly.
This effectively limits it to people that own their homes outright, or corporate landlords that can self-insure.
Adding to this, 538 gave Trump a higher probability than most pundits, and were mocked (pre-election) for doing so