Does Homeowners Insurance Go Up Every Year? 
-- > Normal 0 Im sure your insurance company would say yes to that question and I would say most homeowners will find their premium does increase each year . Usually there are two reasons . Insurers increase their rates and insurers tend to increase the amount of insurance on your home by inflationary factors tied to increased construction costs in your area . But that doesnt mean your premium has to increase every year , it means it may be time to take a closer look at your policy and premium . If you want your policy to pay to rebuild your home if it is destroyed and the cost to rebuild your home has increased , increasing the amount of insurance may be appropriate . But increasing the amount of insurance does not necessarily mean your premium must increase . You may be entitled to additional credits for not filing any claims , structural updates or improvements or added security . Maybe your credit score has improved and you are eligible for more favorable rating treatment . You may even want to check with other insurers to see if they offer more favorable terms . But bottom line , there is no reason your homeowners insurance premium should go up each year . You just have to take a look at it , find out why and see what your alternatives are . 