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Homeowners in many coastal states have been asking: “Why is my insurance company dropping my homeowner’s policy?” Others are questioning why their rates are rapidly going up or they are being subjected to surcharges.

The answers lie in past losses and fear of future losses by the insurance companies and a related move by states to provide coverage, often at rates that are too low for the risks involved. The result is to drive people increasingly to state operated plans. These st ... Read Article


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