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When my renewal came for 2019/2020, my insurance had risen 26%. When I called around to other insurance companies their rates had also risen, but not by near as much. I decided to stay with Trafalgar mainly because of the hassle to switch. Trafalgar stated that ALL insurance rates in Atlantic Canada had increased by the 26% I was quoted. The insurance industry seems to have it in for Atlantic Canada. The floods, forest fires, etc. should not have to affect insurance in all provinces - only the ones that have the continuing problems. Too bad we all can't afford to go with bonds, instead.