Loss of income and business interruption insurance?

[Megan Elise McIlvaine]

So, I just read about this type of insurance for landlords in a BiggerPockets article but haven't heard it mentioned during podcast or from individual property investors. It makes more sense to me then putting aside money every month from your cash flow for vacancy and rather putting it towards insurance? Is there a reason more property investors aren't using this type of insurance? Is it ridiculously expensive? Please let me know your thoughts or experiences. Thank you all!