I am a fairly new aircraft owner (3 years now) and am still learning the insurance game. My premiums are rediculous this year and there are so many variables to consider. I would love some advice from someone who's been through this before. Here is my history... I originally got insured in my B36TC as a single pilot in 2021 for $3,244 as a CFI with lots of retract time. My husband got his private and instrument rating, so we tried to add him to the policy in 2022. Our current broker would not cover him at all, so we switched to AOPA Assurred Partners and they covered us for $10,246. (Eek, I know). We also obtained a quote from Falcon at that time and they were $2,000 higher than Assured Partners. THIS year... we came time to renew and were quoted $8,997. I thought, great! Our premiums have gone down! We have flown consistently all year and have never had an accident or incident. We both have around 120 hours in make/model. I called to bind the insurance and the broker said "Hang on a minute. The underwriter (Aerospace Insurance Managers) is no longer able to provide coverage on A-rated paper in CA." So they re-quoted us with a new underwriter (London Aviation) at $13,303! I requested a quote from AVEMCO and they replied that the value of our aircraft exceeds their current underwriting guidelines. ($380,000, new paint, all glass panel upgrade). We tried quoting the aircraft based in AZ at our sister hangar but since we dont have a residence there, they wouldn't accept that, and the policy would remain in CA. What are our options here? Any? Request a lower liability?