Im sure a lot of rate increase has to do with the increase costs of everything but I've been hearing more and more people the last few years talk about claiming every little thing especially for house issues. I don't know if it's people who are newer to owning homes or less knowledgable then before or what but it used to be that if your basement flooded, you had some wind damage, water damage from a roof leak or whatever unless it was an expensive repair you paid to fix it yourself. Now it seems like so many people are going straight to insurance or you see other people telling them to put it through insurance.