 weather and climate um are chief among them but um they have a lot of scams they have a lot of lawsuits and that's uh another economic risk that a lot of the insurers are attempting to flee but it you know it really does narrow or limit the options available to consumers because you either have to move to a place everybody needs home insurance you cannot live in a house without insurance so you either have to bite the bullet pay the higher costs or try and find a way to mitigate it by moving to either another location or even another state