I believe we must have insurance, or at least liability. Got to cover someone being injured on your property. But it is getting outrageous. I moved into my house in 1997. Concrete block/stucco. I added more hurricane protection. Hurricane straps to trusses. I have corrugated steel shutters for every glass. I had a wind mitigation survey and got a thumbs up. I'm not covered for flood because my area is very low risk for flood. In my 24 years I've never had a claim. But every year they have an excuse why my rates jump.