Insurance..what a rip off!! By law..gotta have it, and they know it!! Think your insurance is high now? make a claim and see what happens!! We had an ice storm a couple years ago, a big branch fell on my roof, I had no idea if there was any damage but called the ins. right away in case there was. I never got any money from them and had no damage, but they insisted they give me a "claim number" incase anything showed up later, which it didn't. Then they boosted my homeowner's $200/yr (a 50% increase) and told me unless I paid to have the entire tree taken down, they would no longer cover my roof for any tree damage! Its an oak in really good shape and very healthy. I got rid of Am Family and sent my business elsewhere :-)