Coming to your state soon? Insurance cherry picking assistance from the state.

In the state of Florida,I believe the answer to high insurance costs is multifaceted.The basic underlying causes are greed and that elitist members of government feel that it is quite normal to force the general population to support the greed of their friends.The governmental insurance group"Citizens" was created by members of florida government to rebuild the vacation villas on the beaches after hurricanes,because they were such high risk that insurance was expensive.every one in Florida is assessed a percentage to pay for the losses of citizens when they pay for their homeowners insurance.this does not take into account how poor they are,how much care they took to buy inland, on high ground away from known problem areas,indeed, anything except that, they must have homeowners insurance.Florida is a state of porous limestone,with sand on top.Our water supply is in the lime rock.Floridas best also set up a water kingdom to control all the water supply in Florida.The first things they did, was to limit the farmers in the amount they could draw, then to drill huge well fields in a concentrated manner above the concentrated population areas.Clearwater,St Petersburg,Sarasota,Tampa and others.This causes "sinkholes" where the sand sinks into the porous limestone,vacated by the water.Not only is the water taken from under the feet of those in the countryside,it also must be cheap water,so the drilling of wells is not sufficiently dispersed.It is also harder to force drilling in new areas than to over pump the old. Permission is constantly given to over pump.These caused a great number of people to be dropped from the cherrypicking insurance companies and onto "Citizens" the states "last resort insurance".I do not believe that the people who created this agency ever dreamed that the common people would ever do anything but pay for the villas to be rebuilt.The insurance companies have better imaginations,and actuarial tables they keep current and secret.Because of the sink holes,a great number of the people of Pasco county{north of the cities}are paying several times their last years rate,on their ordinary, average little homes.Some are selling,some are living more cheaply(can you say catfood?}all are suffering.The owners of the villas,of course, are paying far below the commercial rate, instead of several times the rate like the common folk. This is not the whole picture,but a full page on the blog Delbert W Allegood