My homeowners premiums over the last 3 years

Same boat man.

I feel for you.

I'm averaging a 42% annual increase each year for the past 4 years. It has been pretty ridiculous for zero claims

Same boat. It's fricking infuriating. Nothing like getting yearly raises only to have them consumed by inflation and increased premiums.

At some point self insuring has be better mathematically.

This is going to destroy SELA over time if not corrected.

Think about the trickle down effect from an additional $5K/year out of people's personal spending budgets compounded across hundreds of thousands of home owners.

It's money being taken out of the pockets of local shops, restaurants, etc.

That money is gone. It's not being invested for retirement, for kid's colleges, for home improvements, for anything.

Where do you live?

maybe shop around.
YOu do realize you don't have to stay wiht the same company forever?

I switched to SageSure for 1 year then they raised the premium over 60%

Shopped around again to bring it down. Basically having to shop around every year.

Near Pcola Fl in a sound-front community. Our house is not on the water but at 15" above SL lol

I’m in mandeville. You really don’t think I shopped it?

Agreed, talk to my agent and he said something like 8 out of the 11 carriers in MS lost money last year.