You do realize that all Buffet is doing is providing the insurance through one of the many insurance companies he owns via Berkshire Hathaway, and that Quicken Loans is paying the premium. Berkshire Hathaway is one of the largest re-insurers in the world and specialize in multi billion dollar insurance policies. A quick glance at last years annual report shows they paid out $20 billion last year. The market cap of berkshire is almost $300 billion dollars. Do you really think they are worried about paying out $21 billion instead of $20 billion in insurance claims this year?