HO insurance is probably going to be harder to get and more expensive. We'll all have to pay something extra to cover the storms, HO insurers have taken a hard hit and it wasn't a big money maker to begin with. Sandy is the third most expensive cat behind Andrew and Katrina now, something in excess of $20 Billion. I'd advise against being too cavalier about blowing off your current insurer, you might not be able to get coverage at all at some point.
Also, if you want to see how regulation and storm (and sinkhole and lightening) prone markets can really get messed up, look at Florida. No company can be forced to lose money for too long.
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Today's Featured Article - The 8N and the Fox - by Zane Sherman. Dec. 13 1998, Renfroe, Alabama. Last niht I dreamed about the day that I plowed the field of about 10 acres over on what Jimmy and Dandy called the Ledbetter field. I was driving the 1948 8N Ford tractor that Jimmy bought in 48 new This was prebably in about 1951 and maybe even befor the house was built. This would have made me to be about16 years old and I drove the tractor for nothing and would have paid to drive it if I had had any money which I didn't, but neit
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