Homeowner insurance increase

You drop them or at least threaten to.

Most insurance prices are rising substantially. There have been big hurricanes, floods, wildfires, and now a recession, so everyone is raising rates. And if you're with Chubb, it's not because you want cheap insurance. You could also try PURE, Nationwide, or AIG if you want a high-end insurer. Kelly Klee is a good agency to compare rates for high-value homes.

It's not just Chubb -- I use them for my place in NYC, but have another carrier for a weekend place out of state and they've been doing annual 10% increases for a while now. The math is getting to the point where self-insuring the weekend home begins to make sense. I've never had a claim and my deductibles are so high that anything short of the place burning to the ground would be paid out of pocket anyway.

I use progressive and rates up about 25% this year.

I have Travelers. Very small increases but no mortgage coverage needed and flood is not covered. Water damage from plumbing is covered.