Unfortunately it’s not that cheap for us - we aren’t in a flood zone but being near the Gulf and in Florida it’s just more expensive in general. The only reason I feel like we should get it is that any damages from rain getting in wouldn’t be covered, so if a hurricane took our roof off or knocked windows out. I just hate the thought of paying MORE for insurance when it’s already so high because our roof is old. I know we should. I just don’t want to.