I'm that way on flood insurance. The premium went through the roof and combined with my homeowners insurance, my bill for both was going to be 48k a year!! Screw that crap. Been here 33 years and my place has never flooded. Even thought about dropping my homeowners to but that would not be a smart move imo. Not sure if he ever got them to pay up or not but last time I talked to him about it, he said there would be legal action if they didn't.