Is Homeowners Insurance Increasing? 
Rates depend upon individual states . They could be moving one way or another in your state . However , your individual policy may be increasing for some other reasons . These havent anything to do with the states rates . The fire rating for you home may have changed based on industry evaluation of homes in your area . Your policy might have a provision that increases some coverage every year to compensate for the increased cost of reconstruction . Your home has undoubtedly aged a year and your policy probably adjusts for that . On an individual basis , a paid claim can affect your premium . 