This year the premiums have gone up still again and, despite efforts to understand the increases or "shop" my coverage, I am at a total loss.  

I have a friend who years ago told me that he did not have hurricane insurance and that he was "self insured". Recently he told me that he had not suffered any hurricane damage over the years and was, on balance, way ahead. So far ahead that even if a storm struck his property now he would still be ahead. 

Insurance?

 

I have no answers, only questions!