About one year after Superstorm Sandy, PC360/NU contacted New Jersey Commissioner Kenneth E. Kobylowski to find out his thoughts on the state of insurance in the Garden State. (AP Photo/Mel Evans)

Let's start with affordability and availability. Any shifts in either since Sandy?

More important is availability and it is still very good at the coast, knock on wood (he actually did). In fact a couple new companies have entered our market—specifically to write on the coast—since Sandy.

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