California E&S Insurance

I already have high deductibles, a few years ago I asked about raising them and the difference was negligible. I'm in the great soggy state of Florida, I know at least one neighbor who is self-insuring - they did add an umbrella policy. For most people that's not an option since they have mortgages. More and more people are being forced into the state-funded company of last resort, and even that's getting too pricey for many. My insurance company is now requiring that I completely replace my roof even though it's not leaking. I did have a small leak around the chimney a couple years ago, it was difficult to find a roofer who didn't want do a whole new roof and claim it was from a hurricane (it wasn't, I told them so via text so there was plenty of audit trail). That sort of nonsense has just added to the current crisis. I'm heading towards self-insurance or leaving the state.

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  "thread_title": "Will home insurance become so uneconomical/awful it makes sense to self-insure?",
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