Does Homeowners Insurance Go Up Every Year? 
As Frank indicated , homeowner insurance premiums should not necessarily increase each year . To make sure your coverage stays current , you should look at the replacement cost necessary to rebuild the home on a regular basis . This number may well increase for a number of reasons , which can increase your insurance premium . At the same time , you can often offset potential premium increases by making your property profile more attractive to insurance companies , such as security and other system upgrades . If your premiums are increasing , then your agent or broker should explain why . Otherwise , this could be a sign that you need to consider other insurance partners who will take a more active role in making sure you have the best policy and premium for your situation . 