UL listed inverter for home

For the life of me all I read is you must use UL listed inverter for your home..If you do not and a fire happens you are out of luck insurance will not pay.. So if this is true why does everyone use non UL inverters?

There are many threads with differing uses, for example RV's, Boats, hunt camps & cabins to grid connected homes. UL, ETC, CSA certifications apply in different ways to different use products. Where which type of certification is required, depends on your country and the existing codes there and subsequently the insurance companies requirements as well.

Obviously, someone with a 1/2 million dollar, grid connected home, will have certified & approved gear with all the permits & what not. Well a rational & sensible one would anyways. I fellow doing up a $1,500 camper with a few panels, well cost is likely a factor & insuring it isn't much of a concern. If you want insurance coverage for whatever property your installing equipment in, it's certainly best to follow codes, rules & requirements as applied and make sure the insurance company covers it. Some companies are still shying away from RE technologies still. Everyone calculates their own risk factor and sometimes it's also a dollar factor, sometimes people just do not realize and it's not mentioned enough to make everyone aware. I am off-grid with a small system, yet I designed & built my system in compliance with codes, regs etc and can be insured with a quick inspection but that was my choice.

There's an old saying, "We have the Freedom of Choice and that includes making bad choices".

x2 @Steve_S said.

Victron has released a UL-listed version of their MultiPlus 3kVA; I know 3k isn't that much but then again the Multis are parallel-able up to 3 for 3-phase installation, or various other configurations to reach much higher than 3kVA capacity. The UL-listed version is a bit more expensive than the non-UL ($142.80 more), but it covers your bases for insurance purposes.
...that being said, hardly anyone orders them

You will see a lot of the smarter people putting their non UL listed stuff in a detached location. That way if it flames up, their primary dwelling is safe. They calculate the savings as acceptable in the off chance they lose the "shed".