{"id":34643,"date":"2026-10-02T04:00:35","date_gmt":"2026-10-02T11:00:35","guid":{"rendered":"https:\/\/www.homelight.com\/blog\/?p=34643"},"modified":"2026-10-02T06:11:50","modified_gmt":"2026-10-02T13:11:50","slug":"homeowners-insurance-rate-increases","status":"publish","type":"post","link":"https:\/\/www.homelight.com\/blog\/homeowners-insurance-rate-increases\/","title":{"rendered":"What to Do When Your Homeowner&#8217;s Insurance Rate Increase"},"content":{"rendered":"<p>You open your inbox or mailbox and spot a message from your insurer: your <a href=\"https:\/\/www.homelight.com\/blog\/buyer-what-does-homeowners-insurance-cover\/\">homeowners insurance<\/a> premium is going up. Maybe it\u2019s not a huge surprise, but seeing that new number can still make you pause and wonder what changed. If you\u2019re preparing to <a href=\"https:\/\/www.homelight.com\/blog\/buyer-steps-to-buying-a-house\/\">buy a home<\/a>, rising insurance costs can add another layer of uncertainty as you try to figure out what you\u2019ll actually pay each year.<\/p>\n<p>With homeowners insurance rate increases becoming a common concern, it helps to understand what\u2019s behind them and whether there are ways to keep your costs manageable. That concern is widespread, with about <a href=\"https:\/\/www.pewresearch.org\/short-reads\/2026\/05\/06\/71-of-u-s-homeowners-say-their-home-insurance-costs-have-gone-up\/\">7 in 10 U.S. homeowners (71%)<\/a> saying their homeowners insurance costs have gone up in recent years, including 42% who say they\u2019ve gone up a lot.<\/p>\n<p>\n\n\n\n\n<div class=\"geo-cta widget-cta widget-cta--content     widget-cta--dark widget-cta--dark-blue-gradient\">\n    <div class=\"widget-element--content\">\n        <div class=\"widget-element--content-header\">\n            <img decoding=\"async\" alt=\"homelight logo\" class=\"widget-element--logo\" src=\"https:\/\/www.homelight.com\/blog\/wp-content\/themes\/ccprototypev5\/images\/logo-small-cta.png\" width=\"106\" height=\"25\" \/>\n        <\/div>\n        \n                <h3 class=\"cta-headline widget--bold\">Check Your Current Home Value<\/h3>\n                        <p>Curious how much your home is worth today? Answer a few simple questions about your home and we&#8217;ll provide you with a preliminary estimate in under two minutes.<\/p>\n        \n                <div class=\"widget-element--buttons\">\n            <a data-type=\"In Content CTA\" href=\"https:\/\/www.homelight.com\/simple-home-value\/quiz?#\/qaas=0\/\" class=\"cta-click-track widget-element--button\">Get Started<\/a>\n        <\/div>\n                    <\/div>\n<\/div>\n\n <div id=\"section--1\" data-toc-header=\"What nationwide factors are driving home insurance rates higher?\" data-toc-type=\"head\"><\/div><\/p>\n<h2>What nationwide factors are driving home insurance rates higher?<\/h2>\n<h3>More claims from severe weather and natural disasters<\/h3>\n<p>Severe weather and natural disasters can leave behind damaged roofs, flooded homes, and a pile of insurance claims to sort through. And the price tag can be huge: insured losses from natural disasters around the world hit about <a href=\"https:\/\/riskandinsurance.com\/natural-catastrophe-insured-losses-hit-107-billion-in-2025-as-wildfire-and-storm-risks-accelerate\/\">$107 billion in 2025<\/a>.<\/p>\n<p>When insurers are paying more to repair or rebuild homes after hurricanes, wildfires, hailstorms, floods, and other disasters, those higher costs can eventually make their way into your premium. Even if you\u2019ve never filed a claim yourself, you can still feel the impact when insurers raise rates to account for bigger risks and more expensive losses.<\/p>\n<p>Michael Orefice, the senior vice president of operations at <a href=\"https:\/\/smartfinancial.com\/\">SmartFinancial<\/a> insurance portal, points to examples like unusually high rates of wildfires in Colorado and California, winter storms in Texas, and hurricanes in Louisiana and Florida. As a result, Orefice adds, \u201cAll insurers are terrified at the devastation severe storms are causing around the country.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Wondering why homeowners insurance rates increase? Learn what\u2019s driving higher premiums and what you can do to keep your costs in check.<\/p>\n","protected":false},"author":328,"featured_media":34645,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","cybocfi_hide_featured_image":"","footnotes":""},"categories":[192,654,697],"tags":[],"class_list":["post-34643","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-for-buyers","category-homeownership","category-market-news"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.2 (Yoast SEO v28.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What to Do When Your Homeowner&#039;s Insurance Rate Increase<\/title>\n<meta name=\"description\" content=\"Wondering why homeowners insurance rates increase? 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Learn what\u2019s driving higher premiums and what you can do to keep your costs in check.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.homelight.com\/blog\/homeowners-insurance-rate-increases\/\" \/>\n<meta property=\"og:site_name\" content=\"HomeLight Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/gohomelight\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-10-02T11:00:35+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-02T13:11:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2023\/02\/homeowners-insurance-rate-increases.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"546\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Hayley Abernathy\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@HMAwrites\" \/>\n<meta name=\"twitter:site\" content=\"@gohomelight\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Hayley Abernathy\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"17 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":[\"Article\",\"BlogPosting\"],\"@id\":\"https:\\\/\\\/www.homelight.com\\\/blog\\\/homeowners-insurance-rate-increases\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.homelight.com\\\/blog\\\/homeowners-insurance-rate-increases\\\/\"},\"author\":{\"name\":\"Hayley Abernathy\",\"@id\":\"https:\\\/\\\/www.homelight.com\\\/blog\\\/#\\\/schema\\\/person\\\/9a3b2ba63116245f590a60feb6570331\"},\"headline\":\"What to Do When Your Homeowner&#8217;s Insurance Rate Increase\",\"datePublished\":\"2026-10-02T11:00:35+00:00\",\"dateModified\":\"2026-10-02T13:11:50+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.homelight.com\\\/blog\\\/homeowners-insurance-rate-increases\\\/\"},\"wordCount\":321,\"publisher\":{\"@id\":\"https:\\\/\\\/www.homelight.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.homelight.com\\\/blog\\\/homeowners-insurance-rate-increases\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.homelight.com\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/02\\\/homeowners-insurance-rate-increases.png\",\"articleSection\":[\"Buyers\",\"Homeownership\",\"News &amp; Market Trends\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.homelight.com\\\/blog\\\/homeowners-insurance-rate-increases\\\/\",\"url\":\"https:\\\/\\\/www.homelight.com\\\/blog\\\/homeowners-insurance-rate-increases\\\/\",\"name\":\"What to Do When Your Homeowner's Insurance Rate Increase\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.homelight.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.homelight.com\\\/blog\\\/homeowners-insurance-rate-increases\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.homelight.com\\\/blog\\\/homeowners-insurance-rate-increases\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.homelight.com\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/02\\\/homeowners-insurance-rate-increases.png\",\"datePublished\":\"2026-10-02T11:00:35+00:00\",\"dateModified\":\"2026-10-02T13:11:50+00:00\",\"description\":\"Wondering why homeowners insurance rates increase? 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