Insurance Venting

This coming weekend Vic & I plan on putting the finishing touches on our newly renovated back porch, after which we were going to call the insurance company so they could send out their guy to take a picture and approve of it. Well...today we got a letter from the insurance company fools saying they were still going to drop us because they don't approve of the type of heating we have inside our house. What?!?! We already found another company which has no problems (that we know of) with how we plan on staying warm 6 months from now and we can only hope that they'll be okay with the way we set our dinner table and the way we brush our teeth (up & down and in little circles is said to be best). All this insurance crap just got me to thinking ~ when did insurance providers come into being? Who was the first crook who said, "If you pay me every month, I'll make sure I'll help you out when something bad happens. But only after you pay the first $500 and only if the inside wiring is compatible with the SJ/54 blah blah standard coupling comficturation... and then we're going to drop you if you drive too close to someone who might've gotten a parking ticket within the last 25 years." And then wouldn't you like to know what body of legislation agreed to all this and made it a law? Was there donkey insurance back in the Jesus days? Apparently Joseph wasn't a member of the Nazareth Donkey Association (NDA) or else he and Mary might've had better luck getting a tow to an inn with a vacancy. Or maybe he just didn't have the right kind of donkey ~ older donkeys are usually harder to insure. Stupid-head insurance people!!