Did you opt out of buying homeowners insurance? Are you considering it? Tell us why

As Floridians prepare for hurricane season, which begins June 1 through Nov. 30, something that stresses homeowners the most is making sure they have homeowners insurance. Premiums have climbed sharply in recent years, though recent legislation appears to be stabilizing the market. But still, according to one report, Floridian homeowners put more money from their monthly household budget toward homeowners insurance than homeowners in any other state.

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The rising burden forces some residents to make difficult financial decisions about whether they can afford to stay insured.

The Miami Herald wants to hear how homeowners are navigating the crisis. Have you dropped your homeowners insurance? Are you considering going without coverage? Have you shopped around for cheaper policies, raised your deductible, or changed insurers to save money? We’re also interested in hearing from people who feel trapped by soaring rates or limited options.

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