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so have you ever wondered why you can get three different insurance quotes and theyamp;#39;re all different and one of them could be like astronomical and you just canamp;#39;t figure out what happened all right well hereamp;#39;s why you guys at least in florida i canamp;#39;t speak for everywhere and iamp;#39;m not an insurance agent but my understanding of the way insurance works is that they only have a certain amount of funds for each zip code so if youamp;#39;re looking to insure a property within a zip code that theyamp;#39;ve already maxed out then theyamp;#39;re going to give you some crazy astronomical price because if that zip code gets blown up or flooded and everyone needs their funds to repair the property because everythingamp;#39;s covered by insurance then they have to have the funds available and if they insure too many properties at a low rate in one particular zip code then they could go belly up thatamp;#39;s why you should always check every year and get