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 - A City Guy's First Tractor - by Fred Hambrecht. After living in apartments in Atlanta for more years than I care to remember, the wife and I decided to move to the country. Humming "Green Acres is the place for me..." we purchased a 29 acre tract about 60 miles south of Atlanta. Next came the house, I could talk about that ordeal for another two weeks... But, I want to talk about my tractor! We didn't even own a lawnmower, and all of a sudden we had enough grass to feed all the starving children of the bovine world. Naturally, I talked
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