I'm really not complaining about the costs of insurance. For us, the costs are very affordable. I'm just discussing motivation. There have to be ways they can protect those (especially the elderly who have owned their homes for years) that would be forced out of their homes by the insurance rates...I just don't know if they want to.
P.S. Want to compare Air Conditioning rates, LOL!
I don't know, Kansas City summers are pretty brutal.