Lets not forgot our roofs are made from what you use on your shedsYeah I think I pay £350 a year and that even covers our iPhones and iPads if we smash them or lose them away from the home. I suppose a lot of homes in the US are made or wood or clad, whereas here it’s very rare to find a home made from anything other than brick. You’d lose the lot if they was a fire. You get stung by a lot by the sounds but I wouldn’t risk it personally.