Of course, when you really think about it, something like homeowners insurance would really come with premiums.
You would not expect anything less because of the fact that they would not want to make a big mistake on gambling against you having any problems with these issues.
When you really think about it, you would need to make sure that you would be able to get things done correctly and that you would not have any issues making sure that you would be able to get the money that you need when something goes wrong.
The insurance company, on the other hand, need to make sure that when they make a contract with you that nothing will go wrong on your end and you would keep paying them for a service that they may never even have to provide.
If you think about it, you would not want to even consider the possibility of having issues with regard to the different premiums that might exist.