Yeah, no kidding! My homeowners insurance went up $600 this year - even though in over 30 years, I’ve never filed a claim .
I do not have Farmer’s but my neighbor does - and his homeowner’s insurance shot up as well - no claims in over 20 years. The increase was so much he called Farmer’s to ask what was going on - they told him there were so many claims from flooding and fires last year that everyone’s rate increased dramatically to pay for it all.
Follow-up with my doctor showed severe iron deficiency anemia, gallstones with a 17 mm primary biliary duct and now a juxtapleural pulmonary node. When it rains it pours. The anemia was due to a gastric bleed. I fixed that by eliminating every blood thinner in my supplement regiment and any use of ibuprofen. A colonoscopy resulted in 7 precancerous polyps being snipped out and the endoscopy found a healing duodenal ulcer that was likely the source of the bleed. Monday brings a surgical consult to remove my gallbladder. April brings a CT to investigate the node on my right lung. No end to the goblins that arose from that insurance company blood test.
When it is all resolved, I might be insurable again. In the interim, I'll be a lot lighter in the wallet.