harley
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
After much research I've come down to three options for renewing (or not) my SW FL homeowner's insurance:
(1) self-insure
The most interesting option. Could be brilliant or incredibly dumb in retrospect. Selecting this could make hurricane season very exciting.
When we first bought our place (2013) for $165K, I considered self insuring. Then again a couple years later when the first insurance company dumped us (and everyone else in our zip code). But the recent run up in both home costs and construction costs have made that pretty much a non-option. And having gone through 2 significant hurricanes in 5 years (plus a bunch of minor ones), I wouldn't recommend going without insurance. Although, based on what a lot of our friends are dealing with after Ian, having insurance isn't the same as being able to collect on the policy.