I have Home & Auto Insurance with ANPAC from past 7 years. As per their policy then pay back 25% of your policy premium after three years if you were claims free.

But I noticed that they keep increasing the Auto insurance and my home insurance. My current Auto insurance for two 10 years old car is close to $600 for six month and I got quote as low as $450 with the same coverage.

Regarding home insurance, they keep increasing my house price in their book and so does my home insurance. They increased my house price to 200K vs. my purchase price was 147K. Last letter I got from my county my house valuation came as 137k.

I noticed in past 5 years they charged me close to $300-$500 more than what I might have paid to other insurance company.

What are my chances if I file a case against them for automatically increasing my house value and charging me more? I am very positive they must be doing the same thing t0 others