Why Did My Homeowners Insurance Increase? 
Honestly there can be any number of reasons for an increase . It is always best to talk with your Insurance Professional to discuss coverage and premium issues within the context of your policy . Some reasons for increases are simply because the company 's loss history required them to file for an increase in their base rate in your state . Another reason may be because your policy includes some form of `` inflation guard '' provision which triggers a small increase incoverage with each renewal . If the coverage increases , the premium will as well . 