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    Wondering why your home insurance premium continues to increase??

    Posted: February 7, 2013
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    *Since 1997, the Homeowners insurance industry has suffered more than $50 billion in underwriting losses, according to the Insurance Information Institute.

    *The industry estimate for 2012 is a $12 billion underwriting loss.

    *A lot of this is due to increased natural catastrophes—there have been an average of 63 natural catastrophes a year since 1997 compared to an average of 32 a year for the previous 16 years (’81-’96).

    *And, a lot of it is due to the severe nature of the claims—the severity of catastrophe-related claims is up 200 percent from ’97 to 2011.

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