Stlhd,

Again spoken from a place dark and moist. I have an insurance licsense as well as RE licsense and a few others as a consultant. Premiums are going up for one reason Risk has gone up and there is fewer places to spread that risk . Sub insurers have all but dissapeared in the wake of 9-11 and some big natural disasters . So the larger national and regional insurance companies have only limted palces to spread risk if at all which means your rates go up. Businesses will see a doubling if the have not already and individuals will see cancelations in high risk areas like the NW and increased prems. There are insurance commisioners in every state. Companies have to file petitons for rate increases that generally take two years to get approved. In this process they have to open the Kimono to the regulators to show actuarials on risk and loss to justify the increase. It's all open to public disclosure if you are that concerned about it.