re: Homeowners Insurance up 60% since last year

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I agree if you think people in higher risk areas have to pay more. I tend to think the entire gulf coast has higher risk and should therefore have to pay higher premiums.

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Homeowners insurance isn't subsidized by the federal government like flood insurance is. If you're in a higher risk area, your homeowner rates are going to be more expensive. Homeowner rates in coastal parishes is a lot more expensive than central or north LA. Closer to the gulf you are, generally the higher your premium will be.