Insurance Co look at risks in writing premiums
RE
"Thats bul***t I have never heard of an insurance co. in the US that charges more for a gas dryer { prove it ] and if you can find one I would look for another company.
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Good to see some healthy concern.
Good to see that you are not penalized for : gas dryers, house elevation; whether one lives below Interstate I-10, When one's house was built, not having an alarm, past claims! , brick versus wood house, lightning data, roof type,
Here Pre Katrina my houses Insurance was about 2 grand a year with wind insurance; I got 3400 bucks for Katrinas 100K damage. Today to get wind insurance on my place is about 8000 bucks, thus I only have fire and liability which is still about 700 per year. A component of the fire portion is whether one has a gas dryer, brick or wood siding, type of roof, type of heaters, probability of lightning strikes, closeness to other structures, past claim history . One pays a higher premium since there are more fires with gas dryers than electrics.
The insurance companies here want to recoup their losses, thus tracking one's extra fees is normal. Since the bulk of folks in the USA worship one party, few want cross state line writing of home and health insurance. Thus one has regional ways of fees.
One can go to Home Depot or Lowes here and few if any dryers are gas for a reason.
Maybe you are not aware that Insurance coverage and fees vary by location, or that the bean counters look at actual risks, thus what you do not understand you call "bul***t " ; since you have no experience in how insurance looks at risks in different regions.