Home insurance is a western thing.
"One in thirteen homeowners across the United States are UNinsured (7.4 percent)."
So 92.6% ARE insured.
https://consumerfed.org/wp-content/uploads/2024/03/Exposed-UninsuredHomes-1.pdf
Compare:
"Barely 3% of houses in India are insured. "
https://www.asiainsurancereview.com/Magazine/ReadMagazineArticle?aid=39698
"insurance penetration in Indonesia is relatively low amongst ASEAN countries at 1.4%. To illustrate, Singapore;s penetration rate is 12.5%, whilst Malaysia’s and Thailand’s are at 3.8% and 4.6%, respectively."
https://insuranceasia.com/event-news/indonesia-needs-little-tech-boost-insurance-penetration