[rightly_dividing]

120% increase? just wait till they drop your wind coverage altogether. Then the crying really begins. After Katrina my homeowners policy dropped the wind coverage altogether, so the only company left that offered wind was 300% higher. And that was a deal compared to buying wind coverage from the state's wind consortium (400% increase just for wind, to be added to a windless HO policy). I was not waterfront, but my county was coastal and I was just barely halfway between north and south, distance wise. I did not have a Katrina claim, either.

[Jemian]

That is rotten. I have such a low regard for insurance companies and everything they do makes it go even lower.