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I've got Knob and Tube wiring in part of my home, so only the state of Ohio is willing to insure me, and my insurance premiums stayed the same. So at least I have that going for me. My bank still raised my mortgage by 20% because apparently they can't set up an escrow properly and apparently that's my problem now.
This just happened to me, it's because insurance for the year jumped 30%. 🤯 I don't like it, but it's difficult for the mortgage company to predict that kind of shit. You can change your insurance, and I went looking, but everything I found was even more expensive.
Sure, but zero costs changed for me, insurance premium was the same, taxes were the same, interest rate was the same (fixed interest loan). And yet somehow they low balled it and now it's my job to fix it.