Is it normal for home insurance to increase every year? 

It can be normal for home insurance rates to increase every year, but not every homeowner will see consistent rate increases. The cost of home insurance can fluctuate up or down depending on a variety of different factors, like recent weather events, increasing crime, the number of claims filed in the area, and your personal claim history. If your home insurance rate is increasing every year, it’s a good idea to shop around for new quotes. You might be able to find a cheaper policy from a different insurance provider.