Oh man, yeah, this makes total sense to me! I mean, my insurance has a war/riot exception, despite the fact that this is the unlikeliest of unlikely circumstances in the middle of Alaska. It's also pretty standard for natural disasters (floods, earthquakes, that kind of thing) not to be covered by home insurance in the U.S., so you have to purchase insurance separately for that if you want it. It makes a lot of sense that mutants would be that kind of exception also, and would have a very hard time insuring themselves, or would have to pay higher rates or whatever, even if their particular mutation was not that destructive. (Which goes back to the prejudice thing again -- most people think of "mutants" and think of what they've seen on the news, with bridges being destroyed and whatever, rather than the mutant living next door whose only power is making flowers bloom.)