Prenuptial agreements?

do you all pay for renters insurance? car insurance? even phone insurance? then why, with divorce rates being so high these days ( almost 50% ) would somebody not protect their investments by insuring their marriage? most say that your expecting the marriage to fail. well yeah! divorce rates are sky high! if there is a good chance of it happening they doesn't it make sense to protect yourself? The love for a child is obviously unconditional, but for a spouse it is not, there are a few things that they can do to ruin that. thoughts?

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