Literally happening to everyone. Do a search before you post. Multiple companies. Multiple states. Insurance companies have been losing money and states don't protect people against huge rises in rates. Also thank all the people who use a few dings from a hail storm to replace their 20 year old roof for just the deductible (FYI companies are also changing their policies so in future you won't be able to do this, but the damage has been done).

You can call your insurance company if you like but it's related to increased losses and increased construction prices state-wide. The phone agent will just read you a script and waste your time but there's nothing they can materially do. Your auto will likely be going up too. Happened to me last year with USAA.

Call around and get as many quotes as you can. Get an independent broker to call the smaller companies and call anyone they don't call (like State Farm and Allstate) yourself.

Increasing your deductibles doesn't always save a ton, but it's worth a check. Make sure they're applying all the discounts you qualify for and maybe see if there are any discounts you can do a little work to get.

And at the same time, make sure you review your policy limits. A couple of years ago I found out my ex had the house way underinsured (based on old values and never updated). It did raise the price a little but it's more important I can replace the house if there's a fire or tornado. And liability umbrella policies are often not that much but valuable to add on if someone is injured on your property. Independent brokers are great for recommending policy limits you should have.

You're just a number to insurance companies. There's no huge benefit for being with them 5, 10, 20 years anymore. They've made their money off of you already. Their longevity discount is worthless if you're being overcharged compared to another company anyways. People think they're saving SO much money because they see 25% off on their annual renewal when another company just as good would charge them less even after that discount.

Also THINK TWICE BEFORE YOU MAKE CLAIMS. Just as companies are increasing rates, they're also more dropping (non-renewing) customers who make even small claims and declining to take customers (or charging more) who have made claims in the past. If the wind takes out your fence, it might be worth it in the long run to just pay for it if the company would not pay out much over the deductible. If you have auto insurance, actually using that roadside hazard insurance twice in a year could get your policy cancelled too (counts as a claim). If your company still has good rates, you want to keep them these days. Maybe not as important here but in states like Florida and California, major companies are actually pulling out or stopping writing new policies and if you lose your insurance you may end up paying through the nose to find someone to take you.