Insurance by the Numbers

Yesterday I had a sales call from my homeowners insurance - Allstate.
It made me look at the record, my annual payment is $240 basically the same as in the year 2000. In between there were annual factored increases which I adjusted back to the values of my very humble possessions and condo. Happiness is $240/yr.
Then I looked at the Seacrest numbers for my annual building insurance for my unit alone. Year 2001 - $120 annual, following years $: 296, 325, 356, 448, 565, 990,1006, 956. Year 2010 - $1,049.
Can anyone explain the difference. There is annual sighing and hand-wringing and the sad story of failing insurance companies, and hurricanes.
Allstate stays the same, Plastridge up, multiplied by more than 8x.
Since UCO gave the insurance companies our individual association budget numbers no doubt they will pursue even more of our dollars.