These insurance companies don't mind collecting money every month, but when a storm comes through they start for the door. Why can't our state representitives tell these insurence companies, if you can't insure homes in Florida for a reasonable amount then don't insure anything. That covers homes, vehicles, life, boats, disability, "nothing".

Our home is located in "Historical Arlington." It was built in '57. According to the evacuation maps we are not in the zone that has to evacuate even with a cat 5 storm. We had homeowners for decades with a large national company, was dropped after the 2005 hurricane season. Since then we have been denied coverage, scrambled for a policy. We had Citizens for a few years, when they raised our rates by such an amount that we could barely afford, we found several companies that have provided coverage. Our home may be old, but all is within the specs of the building codes. This year our coverage costs us $1,299! As far as claims, since we moved into the house in early '81, we have had one claim. It was a year of vicious thunder storms with lighting that struck our outside AC unit. That is all we ever claimed. The homeowner's insurance industry is a good example of a huge "ponzi" scheme. Those of us that pay in for decades, take little to none back, pay for everyone else. Another one of the "evils" in life, gotta have the insurance. Even thought about not having any when we pay off the mortgage, which is within 2 years, but know we MUST have coverage.