This is for the future and I don't know if this has ben mentioned but this just happened to my mom.
She bought her house seven years ago, well it's price in DC has gone up cosiderably. Well she re-financed and her insurance went up simply because the price of the house wnet up whihc according to my re-fi guy is in his technical jargon is " B#!!S#!+". On average at the max it should be about 75.00 - 80.00 per month whihc is about 800-960 a year. Needless to say were are leaving the insurace comapny whose best offer was not good at all.
Please note over the course of seven years, we ave made no claims on the house, we are not in a flood zone and we have a burglar alarm.
Apparently this is a common practice with some companies.
Philip Jean-Pierre