That's the way insurance works.
Insurance being a social device whereby insureds trade a certain small loss in exchange for coverage in case of a large loss.
Those who don't have claims subsidize those that do and it really doesn't matter where you live.
All that we can ask is that each risk be underwritten properly and that adequate premiums are paid.
No it is not. In Baltimore city (lots of crime), it costs about 3,000 a year to insure your car. 10 miles in the suburbs (low crime), it costs about 1,000 to insure the exact same car.
No way in hell should the rest of the country subsidize florida real estate.
I think we can count on policyholders in MT objecting strongly to their rates going up significantly so that homeowners in FL don't have to pay so much.