Does homeowners insurance go up every year?

No/Yes. The No - Only if the homeowner insurance company has a rate increase across the board for all policy holders, cannot single out just your homeowner policy. The Yes - if you have an inflation guard on your home at like 4%. For example, this year your home is insured for $100,000 and then 4% inflation, next year would be insured for $104,000. So the price increase would be the extra $4,000 to insure your home.