Would you disown these in-laws?

Go to an attorney and have him/her send the in laws a letter saying "put this on your home owner's insurance or we will see you in court". And you have 2 weeks to reply. Then sue them. $15,000 is a lot of money and it will end up ruining your credit. And even if it had been all your fault they are still your in laws and should be more them willing to help their child and his spouse out of financial catastrophe. Sue them. And point out it won't make their home owners go up that much.