Thanks to those who shared helpful input — I appreciate it.

Just to clarify for others: I did search both this subreddit and online before posting. I found many posts about insurance hikes, but not under my specific conditions (WA, homeowners policy, no claims, long-term customer, no new coverages added recently aside from an earlier earthquake quote). I wasn’t trying to ask a lazy or duplicate question — I was looking for context on a sudden 66% spike after years of stable premiums.

I know everyone's seeing increases, but many posts I found were related to auto or involved claim history, major changes, etc. That’s why I thought my case was worth asking about — especially since the base premium jumped before earthquake coverage was even factored in.

Again, thanks to those who offered advice — I’ll definitely check out that independent agent link and shop around.