In the summer of the past year, US floods cost more than 10 billion in water damages. In China, 98% of flood damage was uninsured; in the US this is 75%, while in Europe only 47%.
Everyone wants to sleep peacefully and feel secure about the things they own. Very few people, however, take the right measures to protect their apartment / house / property. Insurance is something you should consider, having in minded the global changes and potential risk for your home.