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It may be easy to get insurance, but not that easy to get some money when something happens.
As far as I know, insurance does not cover force majeure cases. And a flood is definitely a force majeure.

Originally Posted by Боб Уайтман

It may be easy to get insurance, but not that easy to get some money when something happens.
As far as I know, insurance does not cover force majeure cases. And a flood is definitely a force majeure.

I see you were talking about the flood. In Russia everything is possible of course. The cheap insurance covers just minimum damage.

As for acts of God - it reminds me of my friends in USA, Montana. Two or three summers ago during huge wildfires in US their house got burnt. They got the insurance money... and bought a light airplane (they say they will use it to help during forest fires in the future). They also said the alarming and fire-fighting works during those fires were not well organized.