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Often times, when our insurance renewal comes in and we see a price increase many of us only think about OUR losses.  "I can't believe it went up, I didn't have a claim".  The whole purpose of insurance is to pool your risk along with many others.  So, even though you may not have a claim, when several other people are experiencing losses it drives up the overall costs for everyone.  Follow this link for a quick article about how December 2015 storms will amount to over $2 BILLION in damages.  http://www.insurancejournal.com/news/national/2016/01/06/394190.htm
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