Material cost is just the excuse....the blm summer of riots is the real reason.

I just double checked my numbers. I'm up OVER 50%!

I understand 5%-10% increases, but not over 50%.

We can probably thank injury attorneys for some, just as we can for auto insurance increases

Your HO went up 50%? Or auto?

Just paid my condo insurance basically no change. It was actually $2 less than last yr. My home owners premium for our primary residence isn't due till June so I don't know yet but last yr it was 20% less than 2019 with no reduction in coverage or increase in deductable.

That's a massive increase, even for FL. Materials costs absolutely are contributing to the increases many (including me) are seeing, but 50%? Wow.

I believe living in a high risk area can affect rates. Fire, Flood, Hurricane,Tornado or Earthquake can all cause rates to change after the event.
Living in the woods/fire land has been problematic to find insurance.
I have a good insurance man and have improved the land and home to be fire safe (brush and weeds removed, tempered windows, 1/8" vent screens, etc/). Didn't cut rates, but I pay far less than some nearby homes.
I also found that the land value does not need to be included in coverage. Also, buying a lower value policy (entire home is seldom a loss) and adding replacement cost, and constructing cost riders lessened the premium.
Last the liability (trip stumble fall is a way to save. If carrying liability on cars, homes, boats, bikes, etc why not see if an umbrella works better?

Even with all that above I noticed most sky scrapers, are owned by insurance companies, and all their offices, even in small towns have the nicest carpets, furnishings and location.