Ah once again, that depends on the coverage you pay for. Depending on where you live the insurance for specific damages can be very inexpensive or very costly. The insurance companies are gamblers but they study odds and stack the deck in their favor. If there is a good chance your home will be flooded, due to proximity to a big river, flood insurance is expensive. If you live in the mountains, where there is little to no chance of being flooded, you can get flood insurance cheap, but fire insurance is very expensive. Same if you live in a hurricane zone, or, as in the video, tornado alley, insurance for those losses is expensive.

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