I got the annual oversized envelope from the insurance company in the mail a couple weeks ago, labeled "Important Policy Documents Enclosed". I tossed it in the bill pile to wait for bill-paying day, which day has arrived. I opened it expecting some increase, but DANG! My new premium is nearly double last year's rate. I am battling barf mode. I know if I call and rant I'll get their story about fires and losses and replacement costs and. . . . I don't think I have much choice other than to absorb this and hope it doesn't do it again next year. But it's giving me a sudden new understanding of the concept of "fixed income". Bandits.