I have heard that much of the home insurance increases (all companies) is attributed to the big hurricane damage in FL in recent years.

If this is in fact true, I don't know why we in NE IL have to help pay the damage to insurance co. by those living where hurricanes have occurred since the beginning of time. Does it surprise FL people to find that hurricanes have damaged property, including homes & vehicles. One always wonders where those cars/trucks submerged in salt water show up later.

Yes, in NE IL we can have some shingles torn off due to high winds, or an occasional tornado. But, they are localized in this part of the country.

Maybe if no one sold home insurance in FL then people would move back to the midwest and our insurance would go down also.