had neighbors and the like have this issue and worse, some companies stopped insuring homes older than 20 years. Insurance here also said no insurance other than "hazard" which basically is liability if the house burns down but no coverage other than that, no belongings, no rebuilding, nothing. Now the new thing is they "recommend", read force you, to get your rof replaced every 10 years regardless of need to mitigate risk, if you have a metal roof it's extended to 20-25, and you don't have to, but if you chose not to, your rate will be 6x what it was, and there is no requirement that they quote you, free market i'm ok with that, but it's a racket, people paying 5% of their home value per year just for insurance... it's breaking alot of people here. Given a choice I'd like to move and build from teh ground up, but I'm only half the vote on that one...
I chalk it up to heading towards socialism where no one can afford to own anything, therefore by default the government will have to step in, but i'm not sure if that will be before or after the private sector owns it all and becomes our landlords... luckily i don't think i will live that long, but you never know.