Insurance shock

[Amrita]

Have had thru Atlas Insurance Broker (used to have Hilo office, now HNL) DB Insurance, out of Korea but office in HNL that they will NON-RENEW any H/O policies with a dwelling Coverage below $400,000; thats weird to me.  My H/O insurance (lava zone 3) has been in the range of $500-$585 a year, up about $20 each year.  I've been covered continuously since 2002.  So last year with DB $585 and now Atlas says they have spoken with various carriers and now they are "able to offer": a policy with RLI Insurance a financially strong company etc. 
Well just got the bill for 2024 May thru 2025 May.  Rate almost tripled to $1343.  Course multiple exclusions, no flood, no earthquake etc. 
I've never had a claim in these 22 years here. 
Is anyone else experiencing such an inflation surprise?   What the H is going on?