Unfortunately this is true with any insurance.
Car insurance, health insurance, etc. You can pay in for years, but file a claim or come down with a serious illness and you risk being cancelled, or having your rates raised so high that you can't afford to keep the insurance.
Free market, I guess, but I've had friends have to "fight" with an insurance company about a claim but the insurance company had been more than happy to take money for years. As long as no claim was filed, there were no problems.
That being said, I have State Farm, live in a coastal region, and State Farm has continued to renew our policy and allowed us to up our coverage. And another insurance company we've had good service from is Geico. Have had a couple claims over the years because of accidents and they have been very efficient.
I've always worked with State Farm. But even they have their limits. After everyone started filing "black mold" claims in the Houston area after Allison, we received rewritten policies at renewal. You could accept or go elsewhere. The black mold scare was lawyer heaven. As usual lawyers have A LOT to due with how much we pay.
We're in Maryland now and only were accepted as a State Farm customer due to our long (and I'm sure not expensive to them) history. They'd stopped writing policies here due to tornado damage, as they had in Texas due to hurricane damage. They probably have started writing policies since then.