What's irrational is my belief that somehow if I get him insured I likewise gain him some protection. Like carrying an umbrella will stave off rain. I went nearly 10 years without apartment insurance and yet in the month between filing and receiving the paperwork I nearly developed OCD--double checking stove tops and irons. And now that I am insured I do neither, though many things are irreplaceable. As is my husband. And no amount of insurance would make his loss bearable. I also know that I am not the only person to feel that insurance means that the fates will pass you by.
The fates turn on whom they turn. That's the business of being human.