 As insurance rates continue to climb, more and more residents are choosing to drop their homeowners insurance if they can. CEO of the Independent Insurance Agents of Louisiana, Ben Albright, says you shouldn't drop your homeowners insurance and rely on FEMA funds because unlike FEMA, insurance is a reliable source of money to cover damages after disaster. Some insurance relief measures are set to go into effect early next year, but Albright thinks that real relief will come much, much later. Next June is the 1st.