Why Has Homeowners Insurance Gone Up? 
Homeowner 's insurance premiums have gone up because the average coverage on homes has increased over the years . Not only are dwelling amounts increasing , but the personal property and other parts of the policy have higher amounts . Liability costs and medical cost are higher than they were in the past and that has increased costs . And of course , national disasters -LRB- such as the recent tornadoes in Oklahoma -RRB- continue to cost billions of dollars to insurers . 