I’m more worried about insuring my home ATM.. last year 2100..
This year 3500... I shopped around and was getting quotes from 10K to “ya no, we won’t even bother”
I’m in Central MN.. Not in a flood area (top of a 100+ ft hill. The water gets that deep someone better have an Ark) with no claims ever.
However, I might sell the place, between the taxes and insurance I can’t afford it. at todays rates the buyer will be looking at a 4K monthly payment.
One of my rentals is did the same thing. I ended up raising my deductible to 10,000. Brought it down about 800 a year.