Greg wrote:

If you live in an area that may have 2, 3, or more, hurricanes a year,
and you are complaining about your insurance rates, then move



In 20 years I have not had a single claim, why move?
It sounds like you are in the danger zone, you have had one.
BTW insurance here would not cover your $250 food claim.



Are you complaining about your insurance rates? If not, then disregard.