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Message: <blockquote data-quote="farmerbyron" data-source="post: 1879737" data-attributes="member: 4953">For those talking about insurance going up since 2000, how much more is your house worth now than it was then?  You have more dollars worth of house so it takes more to protect that investment.  Add to that the increased price of building materials and labor to repair storm damage and you see why insurance rates are higher.  If you do not carry insurance, you are a moron and I do not feel bad for you.  It is there for your protection and you should be on your own if you neglect that.  You are gambling with very high stakes by not carrying insurance and why should anyone feel bad that you went all in with your home and lost?</blockquote>