Original Message

Insurance companies do not want to insure homes in coastal areas due to hurricanes.  It's a fact.  Fortunately, individual states insurance commissions require them to do so if they want to write policies in that state. However, they do not have to be competitive...if you don't want the risk, keep premiums high.  Most companies just want auto and life insurance policies.  Now, in defense of USAA, (32 yr member) they've always taken good care of me on the automobile side of the industry.