I remembered one other thing that came up when we were browsing for homeowner's insurance late last year: It seems some insurance companies apparently limit the number of policies they have in force in a particular area, undoubtedly to limit their exposure in case some disaster takes place. For example, I talked with a local insurance agent regarding getting a policy with ASI as a number of TOTVers had indicated they were happy with the company, the policy they got, and the premium. After checking with ASI, the agent came back and told me that ASI was no longer writing policies in "our area". I didn't ask for any clarification as to what that "area" encompassed. I'm sure we weren't rejected due to incidence of claims on existing insurance (we've never had a claim) or anything like a credit rating issue (as many companies now use your credit rating - like it or not - to evaluate your viability for coverage.....as well as the amount of your premium!)
Again, this occurred about 7-8 months ago. Perhaps things are different now.
Bill
