The way that insurance is in this great state of NJ, you want to avoid having to use your insurance as much as possible. The insurance companies are just looking for any excuse to double, or quadruple your rate, or drop you totally. And that goes for homeowners, auto, malpractice etc. A little off topic, but the thought of letting your car burn to let the insurance company pay for it, especially if you live in NJ sounds scarey to me. This state is in an insurance crisis and most of the country is heading the same way.
I agree: cheap insurance-carry a fire extinguisher. And get AAA.