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Research Proposal In 2002 Texas homeowner rates have increased more than one hundred percent due to an increase in the number of mold and water claims In addition local government regulators have set a benchmark rate which allows insurance companies to charge rates thirty percent higher or lower than the benchmark This system allows insurance companies to compete for customers Due to the substantial increase in insurance premiums law suits against insurance companies have increased This has made insurance companies hesitate on selling insurance policies to new and existing customers In an effort to cut down on these unfair insurance practices governor candidates Rick Perry and Tony Sanchez vowed to regulate the market For now homeowners receive less insurance coverage with no alternative solution I will start my research by first looking on the internet for articles pertaining to the increase of Texas Homeowner rates Then I will go to the library to research books journal magazine and newspaper articles After I have gathered all of my information I will eliminate articles not relating to my subject Through extensive researching I will compare the previous years rates to this years rate which will show a substantial increase The benchmark rates designed to allow companies to earn a reasonable profit has resulted in unexpected premium increases Also the majority of homeowners receive the same rates as the high risk policy holders In addition insurance companies require background checks on new customers which make it harder for customers to obtain insurance Enclosing I will provide solutions on how to find the best rate available
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