There is certainly a gulf between common sense and some of the posts here.

Frinstance, Clint, what does floods being covered on homeowners' insurance have to do with the assessment of risks? For some reason, the structure of the insurance industry developed to treat flood as a separate category, with its own insurance. But you haven't demonstrated that their calculations of the RISK of flood are inaccurate.

As to your "status quo" friend, I think unmarried couples ARE at greater risk...of STDs, among other things.