[petsetc]

I know insurance is an ongoing conversation here, but I do have two specific questions that I would appreciate input on if anyone can help

Background: I recently received my homeowners’ renewal due in March from Tower Hill Insurance (policy written by TV Insurance). My premium went from $857 to $1,051, a 22.6% increase. No claims, nothing has changed. I will contact TV agent shortly and shop.

I understand some of it is increased value (which is a bit ridiculous since the insurer should be using sf construction cost, not home value).

Question 1: Has anyone else with Tower (or others) experienced a similar increase recently.

Question 2: I am a seasonal resident and when I purchased new in 2015, I tried to get coverage through USAA. After the long half hour of detail, they told me they were not currently writing second home policies in TV zip code. And yes I did ask up front and still has to go through the whole drill to get an answer.

Have any other seasonal/second homers gotten a NEW homeowners policy through USAA very recently?

As always, thank you for your consideration!