Same thing with my place up in northern Michigan. There were so many exclusions in the policy and it was getting so expensive we dropped insurance a long time ago and just pray a little more, LOL! I cut electric out at the pole unless I'm there and also took a lot of trees out around the place so there is nothing big that could come down and destroy the place in a wind or ice storm. Other than that I just hope for the best and so far since I got the property in 1973 everything has worked out okay.