Why the increase?

This is the time of year when taxes and home insurance is due for us. These items are bundled into our mortgage but I still like to be aware of them. I was surprised to look at our home insurance bill for this year and find a fairly large increase. I am thinking that the time has come for me to shop around for a new carrier. Maybe I should spend some time on www.wholesaleinsurance.net researching rates. It just irks me that they state the reason for the increase is due to construction costs rising in my area. No one is building anything in my area so how would an insurance company halfway across the country really know what the construction costs in my area are? I honestly think it is just a reason to charge me more without offering any additional service.