Angela59 is your house full of antiques? (contents of 79K) And have the contents increased in value since last year by nearly 15%?
Insurance premiums didn't always automatically go up. It's a very clever trick of annually increasing the house building cost and the contents insurance as a way of justifying increasing the premium and most people don't notice. How premiums could go up by 23% this year when rebuilding costs are going down is beyond me.
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