I've seen a number of different insurance policies. And all I can say is any policy can be cheap if it doesn't cover anything. All insurance policies are very favorable to the insurance companies,  but some are more unreasonable to the customer than others are. Any insurance policy can be dirt cheap if they are filled with extra reasons to not pay. I don't want to specifically named insurance companies but they know who they are. I would strongly recommend that when you get a policy, you get a copy of your actual policy and at least skim through it to see what's covered and what is not covered. And do not think that just because the insurance companies accept your premiums, that they will want to pay if there is a claim.