Fire insurance wouldn't do us a lot of good, because we're too far out for fire trucks to help other than to put out the forest if it catches on fire because of a house fire. But we do have our house wired and plumbed and built according to code because if we ever want or need to take out a mortgage on it, it will be possible. ditto if you ever want to sell it through a real estate agency or to someone else who will need a loan to buy it. personally, i don't ever plan to sell, or mortgage again once this one is paid off, but i'm learning to never say never about anything anymore ;)
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