Answer:
fire and in some places natural disasters but it costs.
Step-by-step explanation:
fire
There isn't universal coverage on the other two. If you can't pay your mortgage, generally the banks get very upset and foreclose. Banks are not very understanding about late mortgage payments.
natural disaster is usually not covered. Flooding earthquakes are usually not part of insurance coverage. Hurricanes aren't either. You can get such coverage, but it likely is not cheap.
Property taxes will cause the city to put a lien on your dwelling and there is usually no insurance for that.
Fire and with a lot of extra money natural disaster are your only choices.
