Ahh. Gotcha. I’m in Nor Cal. It can get crazy. Home insurance policies are either very expensive or they are canceling you altogether these days. I often wonder if Bitcoin can somehow fix this like CrowdHealth is helping with health insurance.
Discussion
Collective insurance generally works better. This is how I feel about network states and taxes. I'd pay tax if it had actual benefits and I knew where it all was going. Join a voluntary collective, pay a tax in BTC or whatever, get various insurance coverage and access to tools like compute power, storage space, etc.