@Norma Guardado definitely shop around.

Have you set up shop in the Milwaukee area? 

It's the American way!

My concern is that American Modern has a lot more terms compared to State Farm.

In the middle of those two extremes might be a small business with 3 years left on their lease, but they've made improvements to the property that aren't cheap to remove, such as perhaps a dental office (dentists might be pissed that I put them in the mid-risk category, but all the dentists going out of business in 2020-2021 taught us that American consumers apparently regard dental care as an optional and "luxury" spending item). 

Iḿ doing well and can absorb so much more than they average American, and still all the rate increases was painful.

Below is the median net worth of Americans by age according to a recent "Survey of Consumer Finances" conducted by the Federal Reserve.Under 35: $13,90035-44: $91,30045-54: $168,60055-64: $212,50065-74: $266,40075 and over: $254,800At this stage in your life, if you are ahead of the average American, what do you attribute your "success" to?

I guess it’s contaminated by the print shop next door.  

You can also shop around insurance, different providers often give very different quotes. 

Ditto on contractors but also construction supplies are an issue, not many home depos uphere and the few mom and pop hardware shops are poorly stacked and are more expensive.