Most home policies are automatically increased by 3-4% each year to cover inflated building costs. This may not be accurate if you let the add-ons compound. Good to do a new evaluator with your carrier/agent to
get the base amount on the dwelling OK. It may be time for a bigger deductible if you haven't had a claim in 35 years. (35 years ago $100 was common. Now, maybe $2500?) I never take the service program for appliances and I always take big deductibles. I think I save more each year than the cost if I have a small loss or need a new stove.
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