There are two problems with insurance "casino's".I have to disagree with you. In atlanta we have major hailstorm claims for last 3 yrs. eliee it or not i'm not paying much more for my beach house ins. if your not in a flood area or right by the beach the ins is not that bad. also my property taxes hae een cut in 1/2 the last 4 yrs. i commend walton county was atlanta who has cut rates based on comps were atlanta has hardly dropped rates even though values have dropped 40%