Home insurance. Yeesh! For most folks, it's somewhere between a necessary evil and a snoozefest. If you're like most homeowners, you have insurance on your property -- policies issued to, in theory, protect you when things go wrong. But what happens in a world where disasters move from possibilities to annual certainties? What happens when the insurance companies themselves can't afford to do business in the face of constant natural disasters? In tonight's episode, Ben, Matt and Noel tackle an emergent crisis: a world where no one can afford continual, chaotic Acts of God.