Insurance isn't a bet. It's a hedge. The bet is, you're not gonna wreck your car, or burn down your house. The gamble, in your scenario is not getting insurance.
Insurance is precisely a bet that you will burn down your house. It is also a hedge specifically because it is a bet against a desirable outcome. (Either you lose the bet but get the desirable outcome, or you don't get the desirable outcome but at least you win the bet.)