I worked in the insurance industry (property/casualty) for
25 years. Most home/auto carriers are NOT health carriers. There are almost no companies left that do both, so I think that is BS.
One of the reasons is that auto and home and commercial carriers for most of a century did not make money on the premiums they took in. When I was at the Hartford, we were doing well if we paid out $1.05 in claims for each $1.00 we took in. The money was made by investing the premiums, in some complicated scheme. When interest rates come down, that doesn't work. Now companies have to charge enough premium to make a profit. Of course, I have also known companies with some serious ethical problems who make money hand over fist by using shoddy underwriting practices.
I don't know where you are, but some companies jack up the homeowners big time if they have to pay catastrophe claims in the area (or anywhere). Floods, hurricanes, earthquakes, etc. i would definitely shop around. It may be the whole area that is being hit, and it may be your company is jacking with prices. It never hurts to shop around.