Hurricane!

Seems like really expensive homes right on the shore where the winds hit hardest would be a good place to increase insurance rates. Oh, wait, that's where the biggest political donations come from.

Now, I hate to point out the obvious, but Florida sees a lot of hurricanes. And while I understand that the public needs to feel some sort of responsibility [read: control] over the insurance regulations in their state, if I were a Florida home or business owner, I’d expect to be paying a fair amount to insure my property. And, I’d probably expect that with eight hurricanes in two years, insurers would need to increase their rates to cover their risk or they’d go out of business. And then Florida home insurance would be akin to New Jersey auto insurance, it'd be a mess and Florida residents would be even more upset.