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Someone told me that a major insurance company has stopped issuing homeowners’ policies in Florida. I haven’t verified that, though I’d be surprised if it’s quite as black-and-white as that. I certainly would favor treating things like hurricanes the same way they do with earthquake insurance – the higher the risk, the higher the premiums, and much higher deductibles for anything earthquake related. Fire? Burglary? No problem – cover ‘em the same way as everybody else. But like Tolik, if someone chooses to live in a high earthquake or hurricane risk zone, let them carry the burden of the additional premium. That’s only fair. Ooops. Fair? That doesn’t have any relevance anymore….