I have State Farm. I've been with them since 1996 and I believe longevity has an effect on premiums. My rate did not go up anywhere near 25%.

Some factors to consider.
* The size of your deductible. It usually ranges from $500 to $2000 per claim. If you're not at $2000 and you feel you can afford the hit if you have a claim, I would change it to that limit. It will reduce your premium.
* How long have you been with Allstate? Longevity and claim history has an effect
* How many claims have you filed that Allstate had to pay out on?
* What are your various coverage limits?
* Do you have any riders for non-standard insurance, like for jewelry, artwork, collections, things like that? The value of these easily liquidated items has gone up significantly

Bottom line, the cost of insurance had gone up out of proportion to the actual cost of repair/replace. Increased litigation and large damage awards are a factor. Cost of replacement materials and labor has gone up. Increased crime, vandalism, theft, fire all have an effect on premiums.

If you think co-op owner's insurance is ridiculous, you should see your co-op corporation's premium. I was treasurer and I *know*.

Shop around, but make sure you go with a company that is rated A.M. Best "A" or "A+". You don't want insurance that is going to struggle or not be able to pay at all when you need insurance the most.

Good luck.