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Well I just got my new homeowners insurance premium, well they warned me but I was still not prepared for it. It went up 400.00 a year. This was because the state insurance commissioner banned the use of credit scores to rate premiums and put more cost on minority's premiums, so I guess I get to pay 400.00 more so some guy that does not pay his bills can get his for 400.00 less. God I just love socialism. Can't wait for my auto to renew.