You may have been lucky enough not to have been affected by last year's Ice Storm or flooding from all of that rain we've been seeing, but your home insurance rates have still been going up.
Even homeowners with perfect records can still see an increase.
Spokesperson for the Insurance Bureau of Canada Steve Kee says if claims have gone up in your city or neighbourhood, you can be affected.
He underlines things have changed over the years which means the insurance industry has to keep up. Kee says there have been $3 billion in claims across Canada, compared to $300 million just 10 years ago.
Kee adds home values increasing also affect your insurance so if you want a better rate, it may be time to shop around.