[nox101]

That sounds like it has possible unintended consequences? "Go shoot lots of guns and do violent things and then our hazard pay will go up!"

[coldtea]

Only as much as any other such thing.

Did home insurance availability increased arsons in any significant number?

[nox101]

I could be wrong but rarely do you get > replacement money from insurance. Pay $1000k for home, burn it down, get $800k from ins. You're out $200k.

Or am I mis-understanding how home insurance would incentivize arson