Witches and Insurances

[[K]evin]

I think that's be a bad idea, mostly because the money insurance compensate you won't be enough to replace your loss.
From my observation, they usually only give you 25-50% of what you lost. But I can't confirm that yet since I rarely get fire thanks to my Natural Cook sim.

I once had half of my kitchen burned (protip: don't force a tired sim with low mood and low cooking skill cook) and all I got is $1,560.
My loss is over $5,000.