When Do Home Insurance Rates Go Up? 
David gives a good answer here to the many causes rates go up . But to very specific you will see rates change almost exclusively on renewal . So the When is usually at renewal . Occasionally an insurance department will deem an insurer unable to preform an put them in a situation where polices have to be cancelled mid term . I have only seen that once in 38 years in this business , but ultimately an insurers ability to pay claims is monitored by the individual states in which it operates and most importantly whee it is domiciled . Unfortunately in the US Insurers have typically lost money on homeowners business over the last 35 years . So , you can understand that many insurers see providing you with both auto and homeowners as an opportunity to make money > It is not by accident that there are some big name players who sell auto insurance , but little if any homeowners insurance . Use the occasion of each renewal to reach out to your agent and apprise him or her of changes in your home . Be sure to tell him/her of your newly finished basement and other changes the agent has no knowledge of . The wrong time to find out you do n't have enough coverage is after the major or total loss of your home.More so than any other purchase , your wealth is often tied up in your home , be protective of it ! 