re: Homeowner insurance cost question

I was paying close to nothing before 2021. Company went insolvent and now I'm paying double what I originally paid but I'm actually covered for more than what my home was valued at. Rates went up because of storms the last few years and will probably go up as more carriers decide not to make policies in Louisiana. They're trying to get ahead of the curve and recoup their future losses at a higher rate of return.