When Do Home Insurance Rates Go Up? 
There are many factors that go into the rating of your policy . One of those is the base rate your insurance company files with the state . Everything is calculated off the base rate and insurance companies usually adjust their rates at least once per year . There will be a rate effective date buried somewhere within your policy but you may not see it easily . They will adjust their rates based on their experience for the last year and they can go up or down depending on how the claims have been . You 'll also see the coverage A -LRB- dwelling -RRB- get adjusted every year . As construction costs change , so will the coverage on your home -LRB- just a hint , they usually do n't go down -RRB- . Then there are a few other factors that may affect your rates : insurance score , claims , changes in coverage or deductibles . They all go into the rating calculation . Do yourself a favor and read your renewal -LRB- you 'd be surprised how many people do n't -RRB- . You 'll be able to track what 's happening and look for anything that might not be right . If you have a question , talk to your agent . He/she should be happy to go through it with you . 