Not typical, but umbrella insurance is the path to covering something like this.
That said, I do agree with you with regards to insurance. Health, car, house, etc insurance all seem to be closer to payment plans rather than actual insurance for catastrophic events. If there were viable options that had 10k or even 50k deductibles that noticeably lowered premiums, I would sign up.
That said, I do agree with you with regards to insurance. Health, car, house, etc insurance all seem to be closer to payment plans rather than actual insurance for catastrophic events. If there were viable options that had 10k or even 50k deductibles that noticeably lowered premiums, I would sign up.