Insurance companys are NOT non-profit organizations. They are in it to make money like , exxon, walmart ,nortech, general motors etc etc. When I went to purchase my cat and could not get anyone to insure it, I went and paid cash for a smaller one I could afford and got liability on it. If I was wanting to move by the ocean in huricane climate than I would buy something I could afford to pay cash for or not move there. I love the ocean and I love big cats, but I hate paying the high price of insurance for them. Being in business myself, I love a profit and don't hate anyone that is trying to make it.