You can't actually get standard insurance for most soup-related issues, which is a serious problem that Terramagne needs to address. What they have instead are various funds by SPOON, a few superhero teams, and some of the towns that field a home hero, to help buffer the damages. Also not covered are the many special accommodations that soups need to life safely and comfortably, like dexflan clothing for people with clothing-hostile superpowers such as Fire Form or Size Shifting. :/ Nowhere is perfect.

If you think having a child with a disability is hard on the budget, try having a superkid who sneezes fireballs ... and everyone telling you how LUCKY you are to have a superhero in the family. O_O This is a key reason why the rates of abuse and abandonment are so much higher for superkids.