re: Got my answer page 3; IF my house is paid off, I can't have NO insurance if I choose to

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I called Farm Bureau to see if they could see our LA Citizens new premium on their end yet. She said no but to expect 65% or so BUT some haven't been that high.

I then said we are considering just self insuring and she said no can do.

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You absolutely can self insure if your house is paid off.

I know some companies that write x-wind homeowner policies require that you maintain a separate wind/hail policy as a condition of the homeowners coverage. For example, homeowner company could say that they won’t write/renew your x-wind homeowners policy if you dropped the Citizens wind/hail policy. I don’t know if this is actually a rule Farm Bureau has, but have dealt with other insurers who won’t write the homeowners without proof of the separate wind policy. In that case, still nothing stopping you from dropping both policies