Individuals Who Fully Insure Their House and Belongings Against Fire

Individuals who fully insure their house and belongings against fire:

A) have wasted their money if a fire does not occur.
B) generally do so in order that their after-fire wealth can be equal to their before-fire wealth.
C) generally do so in order that their after-fire wealth can be higher than their before-fire wealth.
D) generally do so in order to guarantee that the worst outcome, a fire with no insurance, does not occur.
E) can never come out as well financially after a fire as they were before it.