After the damage by Hurricane Keith in 2000,,,extensive damage the insurance companies I have been told paid off quickly and fairly....you cant get selective insurance..as in fire only..and wood houses are a higher risk for that. We were turned down several times for insurance as our house is wood and cement. Our staircase was putting our house over the 50% wood limit. We did and do have insurance but if we canceled we would never get it back....its rather expensive...coverage here is $1,000US..yearly.for more coverage in the States...$300 3 times as much.......

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