Upload & Sell: On
It happens more often than I want to hear about insurance claims. Just in the last few years, 2 of my neigbors got their houses burnt down, while they were on a cruise. Just that after they couldn't sell after a year or so on the market.
The lesson: if you some how can "insure" yourself, do it. The regular comercial insurances are artificially expensive because of the abuses, such as in these examples.