So lets take this to it's logical conclusion. In cases of a disaster we should all rely on the Insurance companies or charities to come and help out.
9/11 costs approach $2 trillion
2005 Hurricane Katrina $84,000,000,000
2011 Joplin tornado $2,800,000,000
2011 Hurricane Irene $10,100,000,000
2011 Tornado $STILL COUNTING Oklahoma, Texas, Kansas, Arkansas, Mississippi, Alabama, Missouri, Louisiana, Illinois, Kentucky, Georgia, North Carolina, South Carolina, Virginia, Maryland and Pennsylvania
More here.
http://en.wikipedia.org/wiki/List_of..._by_death_toll
Look at the costs of cleaning those up and add them to your insurance policies. Then figure out if you're going to save a few bucks on your taxes and not pay a lot more on your insurance. Because we all know how Insurance companies like to shave costs, look at the terrible cost cutting in the hospitals they fund.
They will cut costs if your policy wasn't up to date, you can't find it, it didn't cover that type of disaster, you got laid off and missed payments. Or for any reason they can think of.
Truth is the costs of clearing up some of these disasters would either bankrupt companies or hike your premiums to costs that would make little or not savings. Cold even add them to your cover.