What Makes Homeowners Insurance Go Up? 
There are several factors that can increase premium in a homeowners insurance policy . One could be the cost of construction . Since the home must be insured with enough dwelling coverage to cover the home in a total loss you my see an increase in dwelling coverage thereby an increase in premium . Also age of the home can be a factor . In brand new homes most insurance carriers give big discounts for up to 10 years . As the home ages the discount diminishes until gone . Generally all other factors aside the home can remain in a stable position until the home becomes around 30 yrs old which can at that time start increasing premium do to the risk increasing . Another factor is just a rate change by the carrier mostly due to high losses in any given area . And of course your claims history is a factor . 