Don’t assume it will be easy to even get bespoke insurance for this situation. In my building, we had a claim a few years ago for a burst pipe that caused some damage. The result is that when we went looking for insurers to quote, most said they were not interested in insuring us.
I’m really peeved with the insurance industry at present. We hear stories about uninsurable properties in flood zones and so on, but we don’t hear much about insurers that simply can’t be bothered to insure someone because their situation doesn’t fit into a standard model. I’ve heard it said that you can always get insurance – it just depends on how much you want to pay. I don’t believe that any more.