I'm with them now 
. I've suggested them before as well.
Did you ask them why the rates went up? As I pointed out earlier, insurers set premiums based on their total exposure and claims paid. If a few of insureds had huge claims last year, *everybody's premiums* will go up, mostly because we're such a small market segment.
Another thing that affects our premiums is the ability and cost to our insurers to secure re-insurance (in effect it's insurance for the insurer). Scarcity and increased costs of re-insurance directly affect our premiums.
