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 - Grain Threshing in the Early 40's - by Jerry D. Coleman. How many of you can sit there and say that you have plowed with a mule? Well I would say not many, but maybe a few. This story is about the day my Grandfather Brown (true name) decided along with my parents to purchase a new Ford tractor. It wasn't really new except to us. The year was about 1967 and my father found a good used Ford 601 tractor to use on the farm instead of "Bob", our old mule. Now my grandfather had had this mule since the mid 40's and he was getting some age on him. S
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