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the usury of the insurance thugs is amazing
esp as it is a must have as most do not actually own their homes
but are subject to the banking rules requiring that you get ripped off
local wind storms [hurricane] is not covered by basic home ins
so they hi-jack 5k or more every year in addition to the normal rip off plus the fed flood ins
I see ins as a bet that you will lose
so I put 20K in an armored [steel] roof plus 1/2''ss cables to the slab
got steel shutters for all windows and doors [do not forget that big garage door]
and 4 years later I am ahead of the game plus if we do get a cat 5
the neighbors will be over here after their roofs fail
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