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In my case I could not get insurance without an instrument rating, despite trying virtually all sources.
That was 10 years ago, with low times like you. I had good reasons for not wanting to get an instrument rating*, so I simply self-insured (i.e., don't carry insurance).
Ernie
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* Because I had just retired and all my flying was going to be done in good weather; because in Florida IMC is virtually always thunderstorms, not benign conditions like lake-effect fog; and because I was already experienced in flying in IMC, having accumulated thousands of hours in IMC on simulators over many years before I took flight lessons.
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