House insurance is for rubes. Insurance is the biggest Jew racket in the entire world. Think about it. The Jews talk you into giving them money, that they don't have to give back to you, and for this you get nothing at all. Sure, every now and then they pay out on a fire. It's the same as it is with the lottery, which is rightly called a "tax on the stupid." Once in a blue moon there is a payout, to keep the suckers buying tickets. Drop your house insurance, or appartment insurance, or whatever. In a few years you will have saved enough money to cover the cost of any minor catastrophe, and the chances of your house actually being destroyed -- for example, burnt to the ground -- is vanishingly small ... about the same as your chance of winning the lottery.