Of netpay? All of it. Of gross pay? About 12% is going into retirement accounts so I guess 88% is going to life.
My husband does a little better - we don't have to always use all of his pay (which is variable) so if you are counting household net pay, I think maybe 80% over the course of the year, 20% available, we used it this year to pay off renovations on the house which I would call desired improvement not just repair. So together we are pretty strong.



Citizens (used to be called the JUA) is "insurer of last resort" to catch those the private market won't cover. The private market works exactly like your other comment:
It's a racket, not insurance. If the state forced everyone onto Citizens, rates would go down, not up. I have made zero claims in 35 years of having old house here, and have paid so much it would have bought another house. The private companies cherry pick and overcharge, then dissolve, run with the money, and come back under a different name.