I think you might be misunderstanding. You're seem to be talking about how much coverage is required for utilities. The person you're responding to appears to b

I think you might be misunderstanding. You're seem to be talking about how much coverage is required for utilities. The person you're responding to appears to be specifically talking about the (lack of) guarantees for uptime, recovery, etc... for someone who already has service. In the US, required coverage mandates are up to individual states to set and varies.