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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,...

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...