Blair offers the Scandia Woods Men's Quilted Parka in several colors (Dark Olive pictured) for $23.99. Plus, coupon code "BGAC" bags free shipping. That's a savings of $46 altogether. It's available in select sizes from S to XL. Note: XXL and 3XL options cost $29.59.
Insurance companies may not want to cover your house for these reasons, but you usually have options.