You’re not wrong, but it actually gets worse than that. Florida specifically has made an ever increasing hostile environment for home owners insurance companies specifically. The way the Florida laws work make it very easy for rampant fraud to happen. Florida home owners basically know that you should never pay to replace your own roof, that’s what insurance is for. Every time there’s the lightest hailstorm or tropical storm you’ll have storm chasers handing out fliers in neighborhoods promising to get your roof repaired at very low prices. These companies then turn around and essentially sue the insurance companies. This is just one of the ways that it’s become unprofitable to run insurance in FL, but there’s many and FL legislature is fighting to make it worse every day.

Are you only interested in hosted applications? I’ve been using Keepass for years without any complaints. Though now that I’m seeing this thread filled with selfhosted vaultwarden comments, I might look into that though.

Unfortunately, Florida already has a socialized insurance “corporation”, Citizens Property Insurance Corp. Tens of thousands of policy holders this year were forced to move to other insurance companies if those companies would offer them insurance for up to 20% higher than they would get with Citizens.

You can only get Citizens if you cant get insurance through any other provider. Citizens coverage requires you to get flood insurance regardless of if you’re in a flood zone or not (arguably, this is smart for Florida, but does make insurance much more expensive), and the policy doesn’t cover nearly as much as you would get with other insurance companies.

As more and more news articles come out about various home owners insurance companies leaving Florida we’re seeing more companion articles about how Citizens is completely fucked up. To tl;dr some stuff, basically if Florida sees a bad hurricane and Citizens has to pay out, everyone who’s on citizens is royally fucked because they just don’t have the money to pay out.

I have all the confidence that if Florida lost all of the free market insurance and was forced to provide a socialized universal insurance scheme that Republicans would continue to run it as competently as they currently are.

Maybe it’s a grass is always greener thing but I’ve been having issues with kbin that apparently other instances don’t have. Furigana is supported on some Lemmy instances, I’ve had issues embedding links from Twitter/TikTok/Instagram/etc, I frequently interact with threads (preview content or upvote) and get redirected to an error page, goes on.

I did sign up with kbin for a reason though and I’m overall mostly satisfied. Having a good FAQ with how all the features of kbin work, what’s on the roadmap, etc would be my biggest change.