Why Homeowners Insurance Goes Up? 
The thing to kssp in mind with regard to virtually any type of insurance is that the premium charged by the insuring company reflects the risk they are insuring . If your Homeowners ' premium has gone up and you have not filed a claim , more than likely it is because your policy , like most , has a form of `` inflation guard '' built in . That is , each year , the amonut of coverage on the dwelling itself will increase by a certain percentage -LRB- in CT usually about 4 % -RRB- . The increase in coverage will result in an increase in premium . If you have suffered a loss and filed a claim , it is also possible that you are being charged a loss cost or as a result of the claim , have lost a claim free discount that you previously enjoyed . Talk to your insurance professional about increasing your deductible and also about taking advantage of any discounts that are available . 