Anyone experiencing extreme increase on their home owners insurance?   Mine went up 35%.  I haven't made any claims and I'm in a low extreme weather area with a  +800 credit score.  Thoughts?   I heard there are no agent companies out there which in theory should lower the rate.

I own the house in full, would you drop coverage? 

Yes.  Allstate doubled mine (I've never had a claim in my life) so I switched to GEICO and it's $500 cheaper than my original Allstate policy.

Extreme weather is not the only way your home can be seriously damaged. All State is way over-priced. Look into the competition.
Unless you live in a remote wilderness cabin or are so rich, the destruction or serious damage of your home presents no problem, you should have at least the basic coverage.
Many municipalities require homeowners, even if you’re fully paid, no mortgage, etc.

To quote a non-Catholic, Diana Ross, “My momma told me, you gotta shop around!”

Anyone experiencing extreme increase on their home owners insurance?  Mine went up 35%.  I haven't made any claims and I'm in a low extreme weather area with a  +800 credit score.  Thoughts?  I heard there are no agent companies out there which in theory should lower the rate.

So, mine hasn't gone up quite that drastically, but they keep elevating the so-called "rebuild value" of your house, i.e. how much it would cost to rebuild it from scratch.  

So my home is allegedly worth 1.4 times what it was just before the Plandemic era.
Home Insurance then sets the cost of "rebuilding" the home from scratch (in case of total loss) at a value that's nearly 1.6 times even that inflated value.

Consequently, the rebuild cost of my home is now 2.9 times more than what it was in 2019 (right before Plandemic).

I saw a significant drop in cost when I went from Nationwide to State Farm (about 40 percent less), which I only did out of necessity when I tried to get coverage on the home I inherited from my mother, and Nationwide dithered around forever getting me a quote ("forever" as in around two months).  I finally despaired of hearing from them and went with State Farm (it's a second home).  State Farm, however, told me that to get the policy, I'd have to replace the roof within a year --- the house does not need a new roof --- and I am thinking about going back with Nationwide, if they don't have a similar requirement, higher premiums would be much cheaper than a new roof.  

After I'd gotten the State Farm policy, Nationwide called me and said they were ready to work with me, but I told them it was too late, I'd already gotten another policy (I hadn't called them yet to tell them).  The agent apologized profusely for the delay, what she couldn't come right out and say, was that the previous agent had apparently stashed my request away and hadn't worked on it, which is why I hadn't heard from them, not because the policy was hard to get.

Yes, I would agree.

I have to switch both auto and home insurance very 2-3 years.  You get in at a good rate and then they creep it up on you (even if you don't make claims).  Your only choice is to switch.

I started with GEICO, who gave me great rates ... but then 2 years later, for almost no eason at all, tripled the rates.

I then went to AllState, which was less than half of what GEICO ended up being.

Now that AllState has crept up to over double what it was a couple years ago, I just went over to Progressive (best auto rate yet given that I have 6 drivers in the family).

I suspect that they try to lure you in, and then creep the rates up knowing that it's a hassle and inconvenience to switch over and that you're willing to absorb being ripped off just a little bit to avoid that hassle.

Insurance is one of those total scams you pretty much have to have. I went with Progressive for auto insurance, they pestered me to download their app to get progressively lower rates each year - total scam. I rarely drive anymore but they dinged me and raised my rates a lot "due to hard braking." I *might* drive a total of 150 miles a week - 100% country roads, no big city driving whatsoever. If they want you to download their app, don't.      
 

We have State Farm for both property and auto.  Our property insurance doesn't come due until September, so we don't know yet. It has been exactly the same for the last 2 years while living in this house (we moved in 2022).