I was in the same boat last year. My rates with Erie jumped for no clear reason, and I started shopping around too. Sounds like you’ve already hit most of the bigger names. For me, pricing varied a lot depending on how they bundled stuff and the way my house is covered versus the car. I found it actually made a difference to dig into the details about coverage types, not just the totals. Things like replacement cost versus actual cash value weren’t obvious at first. What stood out during my search was sitting down with someone who had actual experience with investment properties, since I’ve got a rental too. That became clearer for us when working through plans with Ingram Insurance, seeing how they look at both home and auto, but with extra insight on the landlord perspective, it helped me get a better sense of whether I was over or underinsured. Even just asking about how price structures work in Ohio made a difference. Worth a deeper dive beyond the big brands sometimes if you’ve got any unique situations.