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TaxPayer: Fair point. Except that government requires these very same howeowners to subsidize a myriad of lifestyle behaviors of others, e.g. subsidized housing, subsidized food, subsidized medical care, subsidized transportation, subsidized child care, etc. If these subsidies went away, perhaps owners of the properties in question could well afford their new premiums. I, for one, would welcome a subsidy-free society.
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