We have owned a home in pelican keys for years. we never had insurance. We put money aside for emergency. In the end. we have gone through luis, and now irma. we had the funds to pay for repairs. Better to put money aside than depend on isurance that could not pay out, go bankrupt or what else???? The way we see it!!!! put money aside for emergency. that goes for all resorts, resturants, and businesses on Island. why would anyone count on insurance??? have they not learned from luis??? Save money and put aside for hurricanes... Much cheaper and more able to fix without waiting for faulty insurance co.