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Average 30-year fixed rate
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TrendingHousingFebruary 15, 2026
Home Insurance Rates Rising — How to Save
Homeowners insurance premiums are surging in 2026. Understand why rates are climbing and discover practical strategies to reduce your costs.
Key Statistics
Average premium increase (2025-2026)
+12.4%
Source: Insurance Information Institute
Average annual homeowners premium
$2,377
Source: NAIC 2025 report
States with highest increases
FL, TX, LA, CA
Source: S&P Global Market Intelligence
Homeowners who never shop rates
~60%
Source: J.D. Power survey
How This Affects You
Homeowners insurance premiums are surging in 2026. Understand why rates are climbing and discover practical strategies to reduce your costs. Use the calculators below to see the exact impact on your personal finances. Everyone's situation is different — input your own numbers to get a personalized answer.
Calculate Your Impact
Expert Tips
- 1
Get quotes from at least 3 insurers — premiums for the same coverage can vary by 40% or more.
- 2
Raise your deductible from $1,000 to $2,500 to lower your premium by 10-20%.
- 3
Bundle home and auto insurance with the same carrier for a multi-policy discount (typically 5-15%).
- 4
Install smart home devices (water leak sensors, security cameras) — many insurers offer IoT discounts.
- 5
Review your coverage annually. If your home value has changed, you may be over-insured or under-insured.
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Calculate Your Impact
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