An idea for the Home Insurance. If you have enough invested money to completely rebuild the house, then the Insurance Company could rebuild (respawn) your house. Any money you don't have invested, you can give to Insurance to Rebuild. Otherwise, if you have no money, your house is gone.
If a fire breaks out, should it spread if not tended to?
A command to request someone. For example, /police calls the police to help you, /repairman tells the repair people that there is a house needed to be repaired, etc. Maybe have the roads scripted to have names... so a straight road would have a certain name so that the people can find you... Just a thought.