What Makes Homeowners Insurance Go Up? 
There are several reasons why a homeowners insurance policy can increase in price and coverage . Here are some of the most common . Most policies come with an `` inflation guard '' that will raise the dwelling amount by a predetermined percentage every year . This can cause an increase in premium . The insurance company may have filed for a rate increase with the state . You may have received a `` new home buyer '' credit that is decreasing as the policy ages . You may have received a `` new home discount '' that may be getting reduced as the home ages . You may have lowered your deductible or made changes to the policy . You may have lost a discount for a central station alarm . The company may have done an inspection on the property that determined it needs to increase the cost to rebuild the home . There 's many reason but these are some of the top ones I 've come across . Hope this answer helps . 