Will higher crimes rates mean higher insurance premiums?

The homicide rate is higher than it's ever been and now, 20-fewer police officers are patrolling the streets of Flint.

So what's next for home owners?

Some are concerned their insurance rates are about to sky-rocket, but experts say that's not necessarily the case.

Willie Marie Gibson of Flint says, "In my neighborhood, I've heard of several break-ins. They've actually come in and knocked on the door and broken in while you were standing there and taken things. It's just scary."

Gibson says even though her house value went down this year her home insurance went up a few hundred dollars.

Insurance experts say higher crime rates do not necessarily mean higher insurance premiums.

"It's based on the claim experience of that person and of their geographic area that we'll take a look at too," says State Farm spokesperson Angie Rinock.

Says crime is a factor in determining the cost of insurance, but that there's no direct correlation between rising crime and rising rates.

She says it's based more on how much it would cost to pay out and how many claims have been made.

Monday night, Flint council members voted down the idea of putting a six mill proposal on the may ballot.

The six mills would replace the current two mills and four new mills would go to maintain public safety, reducing the $5-million deficit, and not bringing any positions back.

Some council members voted down the police millage not because they believe police officers make too much money, but that they believe there's a fundamental problem with the financial situation in Flint.

The pot of money we have to work from is too small for what we're doing," says council member Josh Freeman. He says someone tried to break into his house this summer.

However, he says increasing taxes is not the answer.

"Next year, we're going to be in the same boat of having passed a millage, pay more taxes, and then continue to lay folks off because we don't have the tax base to support it," says Freeman.

For residents, they feel regardless of what happens, they have to find their own solutions.

"What do you do for your own safety? That's the concern i have, too, now," says Gibson.

Experts tell NBC25 there are things you can do to reduce the cost of insurance like installing security systems or raising your deductibles.