[LWJ]

Stop. Think. Homeowners insurance has two parts: property (which you are all complaining about and considering dropping) and liability.

First. I sell this stuff to businesses so I have a pretty good grasp of the industry. If you can afford to bear the loss, drop the insurance. I have told some of my wealthier client this very thing. If you buy insurance, purchase for a loss you can't bear. Liability comes to mind. Think about someone getting injured in your pool for example?

As for premium cost, ask your agent to shop it. I went from Liberty to Cincinnati and increased coverage significantly while dropping cost. Not that Liberty is uncompetitive but Cincinnati wanted the business. As for Florida? I don't know. A whole nuther world for property insurance.

Good luck!
Lary