Home insurance options are shrinking amidst states with natural disasters [Yahoo! Finance]
ZURICH INS GROUP S/ADR (ZURVY)
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Source: Yahoo! Finance
"Our premiums more than doubled , but our coverage was cut in half. So, this was the perfect storm of bad," said Steve Archer, president of the HOA for his community in La Cañada Flintridge, California. Archer says folks in his community have tried to protect the area from disaster "We have new roofs on every one of our buildings here. We've done a lot of extensive tree trimming. We have inspected every fireplace …to install spark registers. We've installed seismic shut-off valves that are tripped by an earthquake in order to stop the gas flow," said Archer. Farmers Insurance has covered the community for two decades. But in July, the company called it quits. That left the community scrambling for coverage. "After an intensive search, we ended up with a California Fair Plan, which is kind of the last resort for people who can't get insurance elsewhere…So our premiums went from 70,000 to 170,000. Our coverage was $45 million -- liability coverage and wildfire insurance for our
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