By eliminating personalization you’re doing the same thing - removing price as a signal.

It’s good when insurers personalize! Install screens to prevents embers from entering roof vents? Great. You should get a discount!

It’s a win-win. Consumers are incentivized to take measures to reduce risk.

A lot of the "big boy" insurance on ships etc actually have inspectors - they'll come and inspect your ship (or industrial plant etc) periodically to confirm it meets the agreed safety standards. And if it doesn't, no insurance! That really aligns incentives.