The increases in EVERYONES home owners insurance is due to the catastrophic claims that have been paid in the state of Ohio in the last three or four years. Wind storms, tornados, flooding, hail, hail, and more hail are the reasons.
I think it sucks that if your a good customer for 20+ years you get dropped, but I heard that about state farm after the last hail storm here last year. Neighbors of ours had state farm, and lived right next to each other. One guy had one adjustor, he paid for a whole new roof for a house. Different adjustor, house next door to that one, he wanted to replace parts of the roof and not the complete roof. Both with State Farm. Took my neighbors agent forever to get them to agree to replace his whole roof.