For the first five years of owning a home, it was always within a couple $100. Two years ago it increased 40%, last year another 40%. I've already gotten a letter from my homeowners insurance that someone drove around my neighborhood and I have to cut down large portions of my trees or they won't renew my policy next year. I live in The WOODlands.
Inflation has been painful on everyday items, but what's hurt the most is that I'm paying $1,500 more/year for homeowner insurance, $600 more/year auto, and $2k more/year for property taxes. It's great my property value is increasing, but I won't see a benefit for at least 14 years. And the only reason prop taxes aren't up more is because it's capped at 10%... so I've got a large gap between my appraised value and what prop tax is based on, guaranteeing another 10% increase next year and almost certainly the next.
I've filed ZERO auto or home claims in my entire life. ZERO.