[lexs]

Electrical fires, mold, etc etc there is enough things can be dangerous and harmful in an apartment.

[Chris2048]

to people on the highway?

[novok]

To others in the apartment, and potentially, the entire neighborhood if a fire gets bad enough. Don't be so literal.

[Chris2048]

Don't be so literal? You want me to abstract enough so that you're right?

car and house insurance are different. Trying for spurious similarities to suggest otherwise bears no useful insights.