I turned from Amfam to Progressive for auto/rv/boat insurance 8 years ago when AmFam tried to nail me hard on an auto increase due to a single citation reduced to "defective headlight."
To this day, nobody can touch my AmFam homeowner policy. I check every 6 months. Nobody. It rises minimally each year, and I expect that. As the age of both my vehicles and myself increase, my Progressive policy continues to decline. Inverse to the cost of medical insurance. Thankfully, my wife is well beyond child bearing age or ability so that probably saves us some.
However, with regard to homeowners insurance costs, I have only filed one claim in the past 20 years, and that was a small payout for them due to the roof's age and limited fence damage that occurred due to high winds.






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