I believe they are all in cahoots, politicians, insurance execs, realtors, tax assessors, etc. We have a very small house, one bedroom - in a small farming community. Not a lot of industry here, people have jobs but it's not like the big cities. Our home insurance rates have gone through the roof, the insured "value" is almost $300,000. To be honest I don't really know if it would sell for $120,000. I asked the agent IF something happens you are going to give me the amount on that policy - plus personal items? They don't know what to say. Our area has been hit by hurricanes year after year, so many people have moved away because it became unaffordable to have even the most modest home. I believe there are some who are scooping up the land for future jackpot sales. Who knows? Thank God I believe the white hats control any weather modifications now. Let's hope so anyway. Sorry for the rant, insurance companies (home and health) make me so angry for their crimes.