Why Are My Homeowners Insurance Premiums Increasing? 
There could be any number of reasons behind a Homeowners ' premium increase so always check with your Insurance Professional about your particular policy terms and conditions . One reason may be due to the `` inflation guard '' provision that may be included in your policy . This increases the dwelling amount on your home each year , usually by about 4 % which therefore results in a corresponding premium increase . Another reason may be the general loss history in your area . Here in CT we had a few very bad winter and fall storms over the course of a three year period that resulted in a large increase in necessary Homeowners ' claims with all companies providing such coverage . As a result , insurance premiums increased to reflect that loss history . 