Why might Stanley have trouble obtaining insurance for his inheritance?

Stanley's potential difficulty in obtaining insurance for his inheritance is largely due to the exposure to loss being deemed too great based on his location. Certain areas can have heightened risks associated with natural disasters, crime rates, or other environmental factors, which can lead insurance companies to decline coverage because they assess a higher potential for incurring a loss. In the case of inherited property, whether it's a structure or valuable items, if the location is known for such risks, insurers may see providing coverage as too risky, resulting in trouble for Stanley in securing an insurance policy.

This situation underscores the importance of geographical factors in the insurance underwriting process, as an understanding of the local environment and its associated risks plays a crucial role in determining insurability.