Insurance nerds like to point out that insurance coverage is a pre-requisite to a wide range of activities, from starting a business to practicing medicine to driving a car. In this sense, insurers often serve as gatekeepers to fundamental social privileges. Nowhere is this more starkly illustrated than in the residential real estate context. As one court succinctly put it: “No insurance, no loan; no loan, no house; lack of insurance thus makes housing unavailable.”