Insurance companies have CYA clauses to avoid shelling out cash for things like war or "acts of God" (thanks a lot, Thor), either of which would probably allow them to wriggle out of coughing up for your Chitauri-brain-spattered carpet. But, let's say, such events being commonplace in their reality, comic book insurance companies actually include "So Superman Tripped And Demolished Your Home" coverage in the average homeowners policy. In that case -- considering we're talking about a world that sees a Japanese tsunami-level disaster every other goddamn week -- insurance would quickly become an unsustainable industry. They wouldn't even offer coverage for major cities, leaving you ruined every time the Vulture kidnaps Spider-Man's stupid girlfriend. Jesus Christ, can you get her, like, a LoJack or something? It's the sixth time this month.