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Washington Home Insurance Costs Likely to Climb in 2026
State home insurance premiums could rise 4.4% by year’s end, but will still be among the most affordable in the U.S.
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Florida Home Insurance Costs Spiked 18% in 2025, New Report Finds
The Sunshine State remains the most expensive place in the U.S. for homeowners insurance, according to Insurify’s Insuring the American Homeowner Report.
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California Homeowners Could Face 16% Insurance Rate Jump in 2026, Report Says
Insurers may seek rate increases to offset losses from 2025 L.A. wildfires, according to Insuring the American Homeowner Report.
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Insurify Projects Home Insurance Rates Will Rise for the 5th Consecutive Year, After a 12% Increase in 2025
The annual cost of home insurance will reach $3,057 (+4%) by the end of 2026, following a year in which nearly all states saw climbing premiums. Insurify projects that California, Nebraska, New Mexico, and Georgia will see home insurance premiums surge 10% or more by the end of this year.
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Moral Hazard in Home Insurance: Definition and Examples
Moral hazard in home insurance happens when a homeowner behaves irresponsibly, like not locking their doors to prevent theft, because they assume their insurer will cover any damages.
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State Farm, California, and Consumer Advocates Reach Agreement on 2025 Emergency Rate Hike
A 17% homeowners insurance increase will stand, but some condo owners and landlords will see refunds.
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Actual Cash Value: What It Means for Your Home Insurance
Actual cash value coverage pays for damaged property based on its depreciated value, not the cost to replace it new.
What Does Home Insurance Cover?
Home insurance covers your home, belongings, liability, and living expenses after covered losses — but it doesn’t cover every type of damage.
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What Is a Home Insurance Declaration Page?
A homeowners insurance declaration page serves as proof of coverage and summarizes key policy details like coverage, coverage limits, and deductibles.
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Recoverable Depreciation: What It Means for Your Home Insurance Claim
Recoverable depreciation is the portion of your insurance payout that your insurer withholds until you repair or replace damaged property.
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Vacation Home Insurance: Coverage, Costs, and How It Works
Farmers, Liberty Mutual, and Progressive are a few of the best companies for vacation home insurance.
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What Is Loss of Use Coverage in Homeowners Insurance?
Loss of use coverage provides for you to live somewhere else in the event your home is unlivable. But there are other things you should know about this coverage.
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Survey: 45% of Homeowners Say Insurance Should Be Optional. Here’s the Price of Opting Out in Each State.
Lenders generally require homebuyers to carry home insurance. But nearly half of homeowners support making home insurance optional. Without insurance coverage, the average household would take on extreme long-term risk but save 13% or $281 on monthly housing payments.
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Insurance Premium Pressure: 57% Have Made Financial Sacrifices to Afford Home Insurance
Most homeowners (59%) saw their insurance premiums increase in 2025. As costs rise, more than one quarter said they would drop home insurance if they could (28%).
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Consumer Complaints About Insurers Rose 7% in 2025
Auto and home insurance customers, specifically, filed 9.2% more complaints in 2025 than in 2024.
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Flood Insurance Costs Could Soar 64% Without Government-Backed NFIP
Nine in 10 Americans with flood insurance get their coverage through the heavily subsidized National Flood Insurance Program (NFIP). If the NFIP ends, Americans could see average flood insurance costs rise by about $600 annually.
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Risking It All: 1 in 6 Homeowners in the Most Climate-Vulnerable States Skip Home Insurance
In the 10 states where average incomes are lowest, the rate rises to nearly 1 in 5 uninsured homes, indicating that affordability is also a factor.
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Mandatory Wildfire Insurance in Nevada Goes Up in Smoke
New law allows insurers to remove wildfire coverage from standard home insurance policies to reduce premiums.