[Baz]

If I didn't still have a mortgage I'd 86 my homeowner's coverage.

Lived here for 17 years now - including the hurricanes of '04 and '05 and never had a claim nor needed to.

If anything did happen I have scores of friends in the construction business who would be able to restore any damage for pennies on the insurance dollar.

In the meantime, until I pay off my mortgage - I'm a hostage.

By law we also have to have "Windstorm" coverage in addition to standard homeowner's so there's even more $$$ I could be stuffing away into an interest bearing emergency fund.

In fact in the 17 years here - I could have put away over $51K rather than send it to the insurance company!!!

To each their own but I live for the day I can tell them "Thanks - but no thanks!"