I guess all the claims from nasty weather going around and all the big claims, we all pay for it whether we are involved or not. My rates went up after I figured it out last year with Wawanesa 32 and 1/2 percent. Mortified to say the least. Called almost lost it cause they said that's what it is. I said I will see you later. Got a call back a day later and they took it off. They said you can expect some increases over time. Some ok, but not all at once. Have been with them since about 1984. Loyalty my butt. Maybe their version of loyalty is, you will always pay. I know there is more and could go on and on. Others will have their views. Easy to get our money, but they sure don't want to give back when needed. Read your 25 page policy of the here to's, the party of the 3 parts, the whatnots and whatevers.