Due to the number of claims arising out of 9/11/01, many companies who were doing o.k. are now not doing well at all. Those who were low on reserves (from which claims are paid) are now in re-organization/dissolution (a form of state run bankruptcy for insurance cos.). Many insur. cos have had to raise rates due to 9/11/01, even though it had nothing to do with your area or type of coverage. Simply put, before 9/11/01 the risk of a terrorist attack resulting in such massive damage was low. Now that risk is higher, and rates have gone up across the board due the increased risk. I know of at least 2 major insur. cos. that have completely gone under due to 9/11/01. There are several more on the brink now.