Unless it is a construction price index adjustment, that was the case with us a few years ago. But when I see what you pay, it scares me. 250m2 started in 2015 with 350 euros now 520. Sparkassenversicherung.According to paragraph 40 VVG, you have a special right of termination if the premium is increased without the benefits increasing. You have 1 month for this. You can exercise the termination at the time of the premium increase. In such an insurance, I would make use of this as soon as possible. And look for something new using the common comparison portals. I find the premium way too expensive anyway, but it depends on what you have included and what you want to have.