"Does this insurance cover the entire family?"
Translation:Täcker den här försäkringen hela familjen?
The verb is first because it's a question. Questions in Swedish have the verb before the subject. The only thing that can go before the verb is a question word or a phrase that has the same function as a question word. Since there's no question word here, the verb goes first of all.
This study claims that (night) owls are more intelligent: http://personal.lse.ac.uk/kanazawa/pdfs/paid2009.pdf
This was a great example of the difference between Swedish and English sentence structure. I started off completely mute, unable to work out how to form the question, then had to scan through the sentence until I found the verb and work back from there! Övningen gör framgång!