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@jesusislord007 Thank you for the detailed response. This is very informative and helps me form my opinion. It's tough to understand the almost doubling in price when the agent on the phone simply says it's based on the underwriters' rates without any additional context - your response helps...

Hi everyone. For 2022 I was paying $26/month for insurance on my 650 square-foot condo. We had a water damage claim due to water backing up in the condo's pipes (not our fault), so I was expecting a price increase. For 2023 our price was $35/month, which is a ~35% increase. Fine, I thought...