Change insurance to a personal policy. Identify risks and prepare. Be you own insurance. My risk area is flooding, fire and trees falling. Trees always pruned back end of dry season. House built raised 1.5m instead of more common 0.5-1m that people do here. For fires, we are not very high risk but still bought 1.5hp gasoline pump. I can drain my pool in minutes. As to against any losses if your insurance fails, that’s called a crypto steel!