Home insurers socking coast: It's not just the hurricane coverage that's costly - al.com

Home insurers socking coast: It's not just the hurricane coverage that's costly - al.com: "Some Alabama insurers are charging coastal customers more to cover risks like fire and theft — those having nothing to do with hurricanes — than customers elsewhere, despite no clear evidence that such losses are generally higher here, Insurance Commissioner Jim Ridling says.

Spokesmen for the state's four largest homeowners insurers deny that they are overcharging and say they generally can't break out separate prices for wind and non-wind risks. They note that their rates are approved by Ridling's own department.

'We feel like our rates are justified,' said Allstate Corp. spokesman Shane Robinson."