My sense of humor hasn't got anything to do with the "joke" that the respondent replied about.
I didn't "get it" as i grew up in a different part of the world that he did, and never heard of it before.
And what's wrong with that, never hearing of it before?
Answer me that?
That "joke" backfired on him, and it didn't have anything constructive, beneficial, to do with the question the op asked about, in the first place.
I gave a factual reply in the regards to fire insurance, and that's what the op is asking for, good responses, and not jokesters making stupid replies.
