For context: Texas, income 200k, 800 credit score, no claims in 8 years. Same company for 15 years. Premium increased 15% last year, 25% this year. The difference between my dwelling max and my home sale value is now less than $100k.

I've priced out 5 other companies and none came close to my current policy. Called and asked for an explanation and was fed total BS excuses that made no sense.

The person claimed that that the cost of medical insurance of someone getting injured while rebuilding my home in the event of a total loss have increased. So in the event that there is a total loss and there is a total rebuild and someone happens to get injured while rebuilding the house they would need to cover that injury and those cost have increased. I'm dead serious, he actually said this

I asked where this coverage is stated in my 40 page policy document and he started rambling on about how they would cover it because they want to take care of their customers.

I read people with much worse increases, this is still sticker shock for me.