Earier @Rubadub mentioned house insurance...6000 a year! I had to laugh.
Here in the Uk..last year i went with a different insurer..to save about 50% on renewal..so i paid £60....for the year!
Advance a few months..and i discovered we had a problem...water under the flooring on the ground floor.
A phone call next morning to the insurance company...they sent their assessor..and a leak detecting specialist.
Turns out the fground floor shower waste had been leaking..and the water was trapped between the concrete subfloor and the hardwood floor covering. The whole ground floor had to come up. Slow forward a few weeks..and the insurer promptly settled the claim...£17500.! All for thst £60 premium.