Got my homeowner's insurance renewal. Premium increased 13.5%. Inserts with the policy documents were interesting. They referenced inflation (increase in reconstruction costs). It read in part: Since the start of the pandemic, the U.S. economy has seen major disruption and the home construction industry faces even greater challenges...Costs to rebuild a home are still outpacing pre-pandemic levels....To ensure your home is properly insured, your coverage has been updated to reflect increases in rebuilding costs. It always goes up...always. Another insert refers to EXCLUSIONS, such as governmental action, power failure, nuclear hazard, war and earth movement. (There's another insert about available earthquake coverage). Seems every renewal has "inflation protection" built in (updated they say), and more exclusions that require an endorsement/separate policy = increase in premium...or are NOT COVERED at all. Since we know the source of these hazards, are you seeing how this works?