Home insurane premium?My home owners insurance increases every year by $100/yr. Is this normal? How is this increase calculated by agents? Why would the premium increasewhen home value has declined? Experts please advice.February 28 2012 - Fairview Heights00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.