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Does Buying Homeowner’s Insurance Mean You Don’t Trust God?

by Guest on November 16, 2011

When you move into your own place, you move all your worldly goods and, most precious to your heart, your family into it.

Do you want to protect it? Of course you do.

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Home insurance comparison sitesprofess that home insurance is absolutely essential, but just how essential is it?

In the modern world, we’re faced with many dangers, and one of the biggest threats to our family’s safety is intrusion into the home.

Theft isn’t a construct of modern times; it’s an age-old problem:

“If a man steals an ox or a sheep, and kills it or sells it, he shall repay five oxen for an ox, and four sheep for a sheep. If a thief is found breaking in and is struck so that he dies, there shall be no bloodguilt for him, but if the sun has risen on him, there shall be bloodguilt for him. He shall surely pay. If he has nothing, then he shall be sold for his theft. If the stolen beast is found alive in his possession, whether it is an ox or a donkey or a sheep, he shall pay double. If a man causes a field or vineyard to be grazed over, or lets his beast loose and it feeds in another man’s field, he shall make restitution from the best in his own field and in his own vineyard.”

Exodus 22:1-31

While the passage above talks about the repayment of a thief’s debt, the era in which we live requires us to deal with the fall out of theft very differently. Over the years, man has come up with an industry that compensates the victims of theft and, if the thief is caught, punishes and (hopefully) rehabilitates the thief. It’s now necessary because of the very nature of the communities we live in; where in Christ’s time and many hundreds of years afterwards, we tended to live in small communities, we now often do not know even our next door neighbours.

Think back to 1 Timothy 5:8, who said: “But if anyone does not provide for his relatives, and especially for members of his household, he has denied the faith and is worse than an unbeliever.” In that spirit, providing for your family means working hard to protect them by whatever means possible.

It’s therefore necessary to make sure your family home is as secure as possible. The doors and windows should be sturdy and have good locking systems. The house shouldn’t be concealed by fencing or foliage, and good burglar alarm and security light systems are highly recommended, if not essential.

When that fails, what’s your next means of protection? Quite simply, it’s homeowner’s insurance. Whether you like it or not, you’re safer to have it than not in this day and age. Or so we’re told.

My quandary, though, is deciding whether or not it’s fair to say that buying into a homeowner’s insurance plan is simply not trusting God to provide. You can buy varying degrees of coverage, depending on what you can afford or what you’re willing to pay for this form of protection. By doing this, are you merely trying to insure yourself against God’s will? We all know that this just isn’t possible, so why do it?

It’s a really tough one. But in the end, we must reconcile with ourselves the need to protect our family in the often-hostile world in which we live. We must strike a balance between peace of mind and how we believe Christ wants us to live in the world he created for us. Yes, insurance is a construct of man, but crime is a sin and a burden mankind must bear and deal with best it can.

This is a guest post by moneysupermarket.com

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