Read my entire post rather than take selective hits. Which is a Greater Loss to the Insurance Company: 1 Beachfront home at $1,000,000 OR 10 Inland Homes at $100,000? The facts are: 1. The Insurance Industry can only use a 3 to 4 year loss history in presenting their case for a rate increase. 2. There has not been a significant impact on any of the coastal areas, which would have been covered by insurance, since 1996. The other big storms all hit inland. 3. Beach erosion is not covered by insurance. SO, when the loss statistics are presented, Pender County will reflect the losses in Burgaw, Maple Hill, and Holly Shelter. Columbus County will reflect Reiglewood. And again, if you take the time to read, I did not agree with a 70% increase. I noted the likely increase would be about 20%. Unhappy with the cost of wind and hail insurance as a seperate policy, then do some shopping. Some insurance companies include wind and hail coverage as part of their package. I can name 3 Carriers which do just that. They have a seperate deductible for losses under wind or hail. Big Deal; so many people want homeowner insurance to be a maintenance policy. Bottom Line -- you did not read my post. And if auto rates would go up 70%, I would comparison shop. But before they can go up, there would be a public hearing in Raleigh; and I would plan on being there. Why don't you watch the media for the date of this rate hearing and then take the time to drive to Raleigh and voice your feelings? At the very least, why not call your agent and tell him or her to do some price shopping for you?