A middle-class family of 4 can easily need $1.5 million in coverage. Now while that become expensive to get, are usually several workarounds. Consume a lot of for instance, buy your insurance in the office which uses you. They usually have group Flood insurance, does not stop can be very low quality. Sometimes, it can even be free. Of course, they will not usually cover you for more than what your paycheck every month is sincerely worth. For the rest, for the purpose they won't cover, you may always play outside. It shouldn't cost more than $1000 a 12 months or so.