I know. I am almost there.I no longer have homeowners insurance on my house here in Florida.
I can afford a new roof after a hurricane or storm.
friend of mine lives in Homestead Fl, just north of the Air Force base.. he purchased his small house there after Hurricane Andrew.. he paid 8000 for it in 1993... it was 4 concrete walls on a slab.. nothing else left of it, just four walls on a slab. he rebuilt the house out of salvaged materials, as all the wood and stuff he needed was free for the picking after Andrew.. so as he says he has about 20,000 in this house.. he stopped paying for insurance when it hit 7000 a year.