<p>In Florida the dwelling insurance market is a nightmare because so many insurance companies have pulled out of the state. Many homeowners in Florida, who don’t have mortgages and lenders requiring proof of insurance, simply go without dwelling insurance rather than pay $10,000 or more for insurance. Your house has lasted 100 years, maybe it will last a few more years without insurance coverage. Maybe just buy a liability insurance policy and skip getting a homeowners policy if you are willing to take risk.</p>