The state is going to have to do SOMETHING?! We are, personally, trying to pay off our boat this year, and then go with SELF-INSURE! I have a trailer and will just take our boat off the lift and store it over in Orlando, in one of my renter's warehouses or @ my sister-in-laws place! Our plan for the house is kinda similiar, we want to pay-off the house in the next 2-4 years, and probobly will go with self-insure also, after we have professional hurricane shutters installed, right now, we just go the plywood route. With a 2% deductible and the way homeowners insurance is RISING, it will be cheaper to pay for repairs out of our own pockets!!