I just paid our HO ins the other day. It DROPPED $28 since last year!  
I was a little surprised at that, because we had a claim for a lot of hail damage from a big storm that came through right after we paid last years premiums. Our agent had assured us that the claim wouldn't adversely affect our costs, and I guess he was right.
Our umbrella policy is lower too, but I can't remember by how much.
My auto ins dropped drastically last fall when I replaced my old Mitsubishi Galant with an '06 HHR.
The only premium that went up was health ins. It went up $16/month January 1st (my portion....employer picked up 80% and I paid 20%). It will go up another $28/month starting next month, because of my ER last week. I go from paying 20% of the premiums to paying 25%. I guess I can handle that! : 
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Be who you are and say what you feel, because those who mind don't matter and those who matter don't mind. ~ Dr. Seuss ~
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