They raised auto/home insurance rates across the board in CO too. My homeowners went up 20% this year and I spent a lot of time on the phone with them. In the end, they just told me that's how it has to be. I only stuck with them because the new higher rate was still competitive. That started me looking at my other policies I had with them and I found out I was overpaying on car insurance (exact same coverage) by $200 every six months. So I switched auto insurance. Their landlord policies suck too. I also got a different credit card with better cash back. Their customer service has been really lacking lately as well. They've lost paperwork, haven't returned calls, etc. It's sad as I have been with them over ten years now. The one major claim I ever had with them did go really smoothly--but that was a few years back. Definitely shop around.