Why Is Home Insurance Going Up? 
There are several different reasons home insurance rates increase . Most carriers would probably tell you that at least a portion of their increases are linked to weather/natural disaster related claims increases over the past few years . I often hear from clients in Wisconsin -LRB- our location -RRB- thinking they should not have to pay more for insurance due to the carrier having more lossesfrom fires out west , or hurricanes on the coast.Clients say they did not have a claim so why should they pay more?This debate will rage on but I doubt much will change . Insurance carriers are a business and when they pay out more in claims , due to bad weather or what have you , they have to make up for the difference ; increasing premiums . They spread risk around to remain competetive , trying to balance out higher risk states/locationswith lower risk states/locations . Average premiums on a state to state level often reflect this -LRB- for example , Florida is often ranked number one for premium cost primarily due to the high risk of weather related claims -RRB- . Another common reason carriers provide for increasing prmeiumsis to keep pace with inflation , many policies offer inflation guard to keep pace with estimated values . What is the take away here ? Home insurance is WORTH IT ! Protect your home and investment , likely your most expensive one ! Talk to an independent agent today ! 