I'll be the first to say that I probably haven't paid close enough attention to what I've been paying the last few years but it came up for renewal and I asked a few questions. This year it will cost me $29xx up about $80 from last year. I asked her to go back to the first few years when we bought the house 2012-2013 and the rate was $12xx. She said the main reason it went up was because back then the coverages weren't as high as they are now, basically if a hurricane/tornado wiped my house out I'd have enough to rebuild and back then I probably wouldn't have. My fault for not paying attention I know, but it irks me to be paying 2.5 times more than I was paying and chances are slim to none that my home will ever be completely wiped out.

2100 sq ft home, $220k appraisal value