3. 'Bad Boys II': Cuban Mansion
You know who probably doesn't have homeowners insurance? Drug dealers, especially ones that own sprawling Florida mansions populated by guys in paramilitary uniforms with bad aim and baddies who scream, "Oh, my God! No! No!' when everything goes up in flames. There's no claim to be had here, and that makes it even more entertaining. Oh, and the two guys bickering in the Hummer don't hurt, either.