Eeeeeeehhhhh, I’m not sure trading one coup for another is the solution here

I was pretty happy to see the Atlanta church mentioned in the article who appears to be opting for the third option!

Florida here. They have adequate coverage, but there are caps in some extra options or high-end tell estate. The bigger issue is that all the other instance agencies are pulling out of the state so Citizens (the state insurance) is having to cover more and more to the point that the state is just one direct hurricane hit away from insolvency.