What amazes me about the insurance market is how it seems to have no effect on home sales or prices. Where I live policies are constantly being canceled, forcing people into the fare plan. People gripe, but it seems to be just another cost.
A few years ago my home owners policy was canceled. I was looking at going from 2k a year to over 4k. My wife had a auto policy with USAA from a previous marriage. We were able to get a home owners policy with them for $1k! It has gone up some since then, but it is still under 2k. USAA is no longer writing policies in this area.