That’s because there is a huge problem with “adverse selection”, like flood insurance – if the government didn’t force ALL employers to buy it for their employees, then people who DID buy it, would have incentive to put in claims.

Your best bet, is to not overextend, when buying a house – don’t buy one, until/unless you can put down 20%, and make sure that the mortgage payment is less than 40% of either one of your incomes.

Otherwise, Lloyd’s of London is the only company that offers “customized” insurance for anything that you want to have insured..