We're asking ourselves the same question. Our insurer became insolvent and left the state a few months ago. We had an open claim (only time ever filing a claim in 25 years of home ownership). Because of the open claim, no one else would insure us but our home was valued higher than what Citizens would cover. We ended up on forced lender insurance. The company wouldn't tell us the price. We finally found a Lloyds of London policy for $10,000 that does not cover the roof, hurricanes, mold, or water damage. Basically we are only covered for fire and it won't cover the full value of our home. Until our roof is repaired or replaced (and the roof claim closed), no one else will insure us. We moved here 4 years ago and our homeowner's insurance was under $4,000. We were not expecting $10,000 a year plus over $100,000 to replace the roof. We can't even sell unless we can find a cash buyer who is willing to buy an uninsurable house with a leaky roof. It's a tough situation. Not to mention that our car insurance is also $3,000 and we've had no accidents. It was about $1,200 when we moved here.