Dear Tony: Our strata corporation has just renewed our insurance policy. As part of the renewal, our increases were 150 per cent for premiums, deductibles increased from $25,000 to $100,000, we have a loss limit now that covers only $35 million of our $55-million appraisal, and we have an earthquake deductible buy down from 15 to 10 per cent.   Read the Q&A……………………….