most people don't have a negative experience with insurance when it's parsed out over the entire risk sharing experience. the rub is that the only time they have a good experience is during a catastrophic event (home burns down for example) and the rest of the time they're just paying into "nothing". it's like the cable company, the only time people think about them is when the internet goes out, then they're the worst company on the planet regardless whether they have internet literally 99% of the time.
United States