My 80 year old mother has had State Farm home/fire insurance for 18 years. For each year with State Farm, her insurance premium has increased by 2% (compounded) for inflation. Needless to say, her home is completely overinsured, (for replacement cost of double what they really are) and their comment when we called to investigate, was that "when you sign the check, you're agreeing to the charges. It's up to you as a customer to call us on these practices, otherwise, buyer beware". There's supposed to be a courtesy call by an agent to discuss the premium, but my mother does not recall any calls, nor does the company have an agent on record for my mom's insurance.