Regarding “Fuel, insurance hikes not due to ‘gouging'” (Our Views, June 4): Living on the Texas Gulf Coast, we now have to go to three different carriers to fully insure our home. There's a homeowners policy (fire, theft) and a “Texas Windstorm” policy (wind, hail) and federal flood insurance. The cost is nearly $200 a month on a $180,000 home. We had two “historical” hurricanes in less than five years and this is what we got! It gets better: On top of the stress caused by your loss, add that you must go to court to get decently compensated. We should stop naming the storms and give the insurance companies “pet” names. They're the real disasters.