Yeah, it's a real S show here in NTX. There are no good options, there is no one out there (that I know of) trying to buy up market share right now. I'm with State Farm and shopped my stuff around last year and only found one option that was less premium but honestly I'd never heard of the carrier so the $500 bucks in savings wasn't worth switching.
Not sure any carrier is making money on homeowners in NTX. I'm glad I'm on the commercial side of things, at least we are starting to see a little price relief on larger property schedules, hopefully that starts trickling down to smaller property.
Good luck