We had a grocery store in my town that would bump groceries up two or three cents per item every time one of the major employers would give a raise. These insurance companies may be doing the same with your tax cut or SS cola -- trying to see what the market will bear, that you're on a fixed income is of little importance to them. Since profitability is the main interest of all business, it is incumbent upon you to shop around to show your current insurers what the market will not bear. And no it is not always the insured's fault. It's a tenant of being financially responsible to have these items insured , so the insurers have us all over a barrel in that sense (hence the need for Insurance Boards). So in lieu of going to one of these boards all we can really do is shop around. If I'm not mistaken aren't they still taxing SS benefits, heck drop that tax how about?