Lived in my house for 16 years. HO insurance used to be $500/year.
Three years ago jumped to $900 Two years ago jumped to $1,100 Now this year to $1,549
$308k dwelling, sewer back-up/service line coverage. $1k deductible. No claims history.
How in the fuck do you explain a $450 increase in a year?? Something is not right here. Curious to see what others are experiencing.
When mine doubled I called to ask why. Got a scripted response that labor and materials have gone up. I said but I never filed a claim so that doesnt apply to me. She said but other people have. I said then double theirs; their claims have nothing to do with me. Why should I pay for someone else's claims?
So I switched insurance companies and will continue to do so if others take up this policy.
I'm shopping around and all are coming in roughly the same.....Allstate is $2,200/yr for less coverage. What a mess.