every year, expect the insurance to go up. Mine we...

every year, expect the insurance to go up. Mine went up 5$. When I asked why, "its the underwriters". When I asked what was the change to insurance policy - "nothing". 1$ processing fee if you dont renew your insurance early by THEIR set date. Not when you should renew. but 18 days earlier for me.
Monopoly in my area on renter's insurance.
I even asked for a courtesy 5$ reduction, having made no claims on the insurance, not possible.
Waited 15 min on the phone before.
just not happy with this renters insurance, and yet, i am forced to choose them as the only rental insurance provider for my apartment. Really unhappy.