I lived in a council house for years. Of course you take out insurance, be silly not too. But, of course, if you're on benefits, it would, imo, be unaffordable.
Exactly right

When you have £20 left in your pocket to feed the kids for the week, what do you do? Spend a part of it on insurance, or give your kids a meal each of the 7 days, or just on 6?!
As for those living in a block of high rise flats, they may well insure on a contents only basis, which in any other ground based home would be just fine, but they are taking the risk of potential fires, floods and explosions in potentially 119 other homes. With the increasing possibility that the recent refurbishment was sub-standard, they perhaps should have insured for that as well? Coming out of that "spare" £20 per week?
No, of course not, and that is why the authorities must step in and help out these families who have lost everything, including relatives and friends, regardless of their "insured" status. What they have seen and heard many not familiar with a battleground situation would never have experienced before, and that is something that will need much state help for them to gradually resolve in their minds, if they ever do! Even hardened fire fighters, medics and police have never seen anything like it before, and they will need all the assistance "we", the greater society, can give them.
