Vaccine costs zero, much less than $110 a month, and covers something much more valuable than an $800K home: your life. Much better deal in my opinion.
If there's a ~1% chance your body won't fight it off, your death from covid is probably way more likely than the odds your house will burn down, and yet we still insure our houses...
Vaccine efficacy against death is significantly higher than 65% and side effects are negligible for virtually everyone amongst the almost one billion who have been covid vaccinated thus far...