Insurance company keeps raising rates and making my mortgage payments go up. What should I do? 
To the first part of your question , yes it is legal for an insurance company to adjust rates upon renewal . On a Homeowners ' policy , more than likely you have some sort of an `` inflation guard '' element built in which adjusts your dwelling amount each renewal to keep up with increases in inflation and other building related costs . Talk to your Insurance Professional about having a current reconstrustion analysis completed on your home to be sure that the coverage amount is accurate . Also talk about any and all available discounts to make sure you are taking advantage of them . Finally ask about price controlling by increasing your policy deductible and be sure to check into any improvement discounts that might be available if you recently completed upgrades in your heating , plumbing or electrical systems or put on a new roof . 