As you likely know, if you have any insurance and have looked into your coverage in any depth, insurance covers a lot less than one expects. Also when an insure

As you likely know, if you have any insurance and have looked into your coverage in any depth, insurance covers a lot less than one expects. Also when an insured event happens typically the insurer will amend the policy (without changing the premiums, of course) to exclude that eventuality (also typically excluding your "neighbours" as well). Further insurers will typically require say homeowners in a flood-prone zone to take additional precautions periodically. So far example maintaining barrier walls, etc. Therefore insurance premiums or losses may be difficult to compare year to year. Certainly insurances companies have factored global warming into their models and are changing their rates accordingly. To not do so would be grounds for shareholder lawsuits I should think. There are as many climate deniers in insurance companies as there are atheists in foxholes. :>