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Let's examine your comments.

"State Farm has gotten paid VERY well over the last 14 years that I haven't used one penny of my insurance."

>Insurance is risk management.

"Why is my rate higher then there's?"

>Because your home is located in an area that is a higher risk for wind damage. Inland counties aren't.

"If I haven't had to use my home owners insurance why am I paying more than those who use it every year?"

>Anyone who "uses" their insurance every year, which I doubt there are many, are dropped by their insurance company after incurring a few claims.


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