We are UK citizens with a second home in TV. We are shocked at the cost of home insurance in the US. Our UK home costs $300 per year for total cover and replacement as new on furniture and personal items. Our US home insurance went up just like OP. This year the rate was quoted as $2300 . We asked The Villages Insurance if they could do better. You would think they would do this automatically- but no. Their new quote with another company was $800 for exactly the same cover. We had a full roof replacement ($13000) last year. So a claim doesn’t seem to affect the price. In the UK we have a culture of checking each year and usually switching supplier. It seems that to get the best price we need to do the same in the US. Hope that helps OP.
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