Why House Insurance is not popular in India

Why House Insurance is not popular in India, And why it is not mandate. coz of borken building govt is held responsible for broken buildings rather than builders if govt make sure building are properly insured govt wont have to pay damages to public in case of something happens and govt should also be strcit on insurance companies that they must pay for complete cost, so user actually able to buy he had it before also will be able to maintain the look of the house he always wanted rather than shabby looking buildings we will be able to live in house how we actually designed it for rest of life with nominal reqular charges which is still small amout to pay as compare to when accidents happens. Insurance is still not muture in India, Nor health, Nor any other, Most uneducated people don't know anything about health insurance and when ever they get sick they are scared of going to hospitals coz of so many charges but if health insurance is properly marketed It will not only give boom to insurance companies but as well as health sector as numbers of Hospitals required will be more as people wont be afraid of going to hospitals. As numberso f hospitals will increase the demand for doctors will increase too which will lead to opening of employement in that sector, I know at current times most insurance companies are hokum, but if they are not people will be able to live much better life.