Disastrous insurance rates.

"One Tulsa World reader noted how his homeowners insurance was increasing from $856 to $1,501 a year due to the rise in nationwide disasters, as his insurance company explained to him."
That was a quote from Tulsa World. I am sure anyone in Florida would be dancing in the streets if they could get an insurance rate of $1,501 a year. Insurance is one of the biggest rackets in the Sunshine State. My 2013 rate for a very strong house that has had only one minor claim in the past twenty years was $4,500. Naturally like every state the policy is a multi-page affair that is nearly impossible to decipher. Those considered uninsurable—like for no good reason, me—are forced to apply with Citizens, the mafia of insurance companies. I can't imagine how most people pay their annual insurance bill, and I am certain that if they don't have a mortgage, they probably don't. Each new governor promises insurance reform, but of course it never happens. Since the damage we have had from hurricanes doesn't begin to approach the devastation of Oklahoma's tornadoes, I wonder why our rates are so incredibly high...other than corruption.