Most begin with their auto carrier. 

Landlord policy's have gone way up because most carriers are no longer writing landlord policy's in Texas because of the billions of pay out due to hail storms. https://www.restoremastersllc.com/hail-damage-statistics-in-...So, supply and demand of course push's up prices. 

Remember, a palpable business strategy for insurance carriers is denying claims. 

A mail carrier had been bitten by a dog on my street and 2 weeks had gone by with no one receiving mail.

Carrier selection.  

Which carrier is non-renewing you? 

Even insurance is a variable since there are difference in carriers, risk profiles, and portfolio size. 

In fact, in some instances even negligence will only lead to a carrier covering legal representation under their reservation of rights and will not cover any settlement or jury award.

Unless the contractor has professional liability coverage, not many avenues for recovery and even then its a long and costly process assuming the carrier picks up coverage. 

As you know, Florida and other coastal areas have been hit with some pretty catastrophic hurricane damage in recent years, and the same insurance carriers who have been paying out those claims are the ones writing policies here.