Home and auto insurance are quiet killers in the inflation paradigm right now, and while changing carriers every 2-3 years has always been the best personal finance advice, I don't think you're going to be able to dodge this one for 2 reasons. 1) ALL insurers are doing it so in a way, "there's no escape". 2) Insurers are having to underwrite to an economy of inflation, which means replacing and repairing are more expensive to their bottom line - expenses they aren't going to eat. I'd suggest shopping it every 6 mos - 1 year (what I'm doing) in order to find new customer incentives and introductory lower rates. Unfortunately, once you get away from Geico and the other biggies, the rates aren't all that better, usually worse.