[33girl]

cough cough bullshit cough cough...

If you have houses now, as in you have a housing corporation for them or you own them, you should ALREADY have insurance in place. If they are simply houses that you rent from Joe Landlord and the national HQ does not help you with it, it shouldn't even come up.

We do have a "housing fund" for each chapter, but it doesn't matter whether they have a house, a bank of apartments, or a suite in a dorm. It's to draw $$ for things the chapter might need, like furniture. Naturally the chapters with larger houses or the possibility of one put more into their fund on a chapter level. However, that is their choice - not something HQ makes them do.

Just start going through the internet and collect chapter addresses...this doesn't sound right at all.