Insurance is just one of several methods of dealing with risk. In many states, insurance is, generally, cost-effective and readily available from numerous providers. Illinois is a good example.
Florida is not good example. The origin of Florida’s present insurance situation can be traced to 1992 and Hurricane Andrew. Since then, feckless state and local government representatives and officials, some greedy insurance company executives, and some greedy if not unscrupulous contractors and personal injury attorneys (and their willing clients), have left the Florida insurance market in shambles.
And it’s not just property insurance that’s a problem. Most forms of insurance have been affected in one way or another.
There are no quick fixes. The insurance situation in Florida is going to be a bumpy road for the foreseeable future.