How can you keep insurance premiums under control?

Homeowner's insurance in states affected by climate change is becoming increasingly unaffordable. Many residents in Florida, for example, are simply "self-insuring" — meaning they don't pay for an insurance policy, they just put aside some cash and hope for the best. So is New Jersey going the way of Florida? Possibly. In this edition of NJBIZ Conversations, Bill Martin, the president and CEO of Plymouth Rock Assurance, discusses the factors that caused the crises in other states, what might be in store for New Jersey, and what homeowners and businesses can do to keep insurance premiums under control.