Has your home insurance premium skyrocketed? Well, you’re not alone. It’s a trend seen across the state of Texas (and across America). Texas has seen more billion-dollar weather disasters than any other state in recent decades. “If someone’s got a rate decrease, they are a very lucky and very rare individual,” Ronald Hettler said, president of Hettler Insurance Agency in Lubbock, Texas. Due to sustained and lengthy inflation (technically it's been a few years of recession), some homeowners have reported a quadruple increase in homeowners insurance policy cost.