re: Must we be subjected to the annoying insurance ad virtually every timeout?

It's a pity. Well, I use mis-insurance services in California https://www.mis-insurance.com/home-insurance/ . It starts at just $11 a month, so it's not expensive at all. But the one thing I can tell, that it's reliable. Plus, you'll definitely get all the answers for all your questions. You won't regret using those services. Take care