I think you'd be surprised. In my first house I had a furnace go very quickly after buying and my next home I had both washer and dryer go, as well as need to do roof maintenance. None of which made any sense to claim on home owners insurance and therefore came out of pocket.

Maintenance and surprise issues that insurance doesn't cover is not uncommon. If you don't have money to keep up with it and are depending on your insurance you're going to be in for a very bad time.

I spent thousands beyond my mortgage just keeping up and handling house issues at the last place I owned

Edit: forgot to add I had inspections on these places too. Shit just happens.