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What the hell is up with Nebraska?
The local NPR station has an answer:
‘Unbelievable’ insurance increases are walloping Nebraska homeowners. Climate change is a big reason why.
Insurance costs and status quo bias push up insurance costs too. Shop around when renewal is coming up, I’m going to save $2000+ for home and auto insurance from what my last carrier was going to charge even when confronted with the price tag for similar coverages. They didn’t even try to price match or beat. Same with the electric company. Be a better informed consumer. That’s a couple paychecks back in my pocket.
There are a lot of places in the western US where there aren’t any insurers writing new policies anymore.