USA Healthcare Costs are Ridiculous

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Other than fire, what other kinds of damage do you guys get down there?
Not much else. Fire is the only thing I really worry about. I honestly didn't know I could remove wind coverage until someone told that they had....dropped their annual rate from $6,500 to $1,800. I'm currently paying $5,160.
 
Does the Wind portion cover Hurricanes ?
Yes. I covers ANYTHING wind related. If the wind blows down a tree on my roof...that is wind related.
That is why I want to take out a few trees first before I drop it.

I'm not worried about my roof. House was very solidly built and has hurricane straps. I put the metal roof on myself with the help of a friend and I recently replaced all of the outer screws with #12 2 in screws which I also dipped the tip in silicone before driving them in. Any other damage I'll fix myself like I did after Michael gave us a visit in 2018.
 
The other thing you can look at are deductibles. I bumped my homeowners up to $10k and it dropped my premium in half - I'm not filing a claim unless the damage is catastrophic.
 

Song Name Game Part 3!