Do you grasp just how malign you are to justify arson by saying "it's insured, so it's okay"?
Insurance companies are parasites, and you're validating their existence.
It's directly on par with saying "If they have a problem with it, then they can sue me." Except its even more evil, because you do justify it by knowing you will never be held accountable.
You are scum of the highest caliber.
See a psychiatrist. Get yourself checked for ASPD.