I think car insurance and homeowner insurance should have a cap on it to a point if you have not had an accident after paying for a while you get to wave those fees until something does happen.
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That sounds like something for the insurance companies to address.
Yes, they need to the government to look over theur shoulders. I understand cost going up some, but the rates they are charging is ridiculous. Last year mine went up 400.00 and its literally a third higher than the taxes are. A 200k house is not that much either. Then they tell me its going up again this year. Its sad when over 3/4 of a mortgage payment it for insurance and taxes.