Funny - I switched everything about 2 years ago because of ridiculous rate hikes even though we had no claim history. At the time the new carrier was about 40% less overall for multiple vehicles, houses, trailers, boat, etc. Now that we're 2 years in guess what... nothing but hike hike hike. They went from annual to 6 month renewals to provide "better service and rates". Uh huh. More like jack it up that much faster. On the boat it went from $462 a year in 2023 to $656 this year. What a bargain. The catch is keeping the boat and all the other stuff together equates to some significant bundled discounts on the properties so in the end I'm still coming out ahead. But probably not for long.