Around a decade ago, Kat and Giles Roberts bought a three-thousand-square-foot house in Clear Lake, the southeast Texas town on Trinity Bay that is best known as the home of NASA’s Johnson Space Center. Until last year, the couple paid between $3,000 and $4,000 annually for home insurance. They didn’t make any claims until last spring, when they had to replace their roof after a hailstorm. The couple paid their $12,450 deductible out of pocket; their insurance company, Chicago-based Kemper, covered the rest. Later that year, Kemper announced that it was hiking their premium to about $12,000. The Robertses asked their insurance broker to shop around, but they couldn’t find any policy for less than $9,000. “All of our neighbors are finding the same thing,” said…
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