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Originally Posted by Basil77

In Russia 90% of population own their houses or flats and don't have insurance. Renting is widespread only in big cities but still it's not more than 10-15% of flats. The rest are owned by people.

It took me 30 minutes to get one, so it's very fast and easy, just about 1000 - 1200 rub. for minimum 1 year insurance. When the flat is new people tend to get insurance, if it's old, yes, often they don't think about it.

Originally Posted by alexsms

It took me 30 minutes to get one, so it's very fast and easy, just about 1000 - 1200 rub. for minimum 1 year insurance. When the flat is new people tend to get insurance, if it's old, yes, often they don't think about it.

Я не думаю что в России сейчас существует страховка от наводнения, даже если бы она существовала, то она никак не может стоить так дешево в районах с повышенным риском затопления.
В Штатах страховка от наводнения это отдельный вид страхования и стоит совсем не дешево: в местах с повышенным риском, разговор идет про несколько тысяч долларов в год (до 20 тысяч) - $20,000 a year for flood insurance? Sandy survivors face tough rebuilding choices - U.S. News