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The state of home insurance in 2026: Increasing rates, climate change, and consumer frustration
Homeowners face varied insurance rate changes in 2026 due to severe weather, inflation, and litigation, with Louisiana seeing a 58% increase, Consumer Federation of America reported.
- This year should see stabilization in the home insurance market, though many filed rate increases remain pending and haven't hit U.S. homeowners yet.
- Last year's wildfires and hurricanes produced billions in claims, prompting insurers to file rate increases amid rising inflation and litigation costs.
- State-Level extremes and insurer nonrenewals illustrate the uneven trend as Louisiana recorded the largest two-year increase at 58% and State Farm in California won approval for a 17% hike.
- Insurance.com found U.S. homeowners paid $21 billion more in 2024 than in 2021, and 49% reported rate hikes prompting switching, with higher premiums driving carrier changes.
- Weather forecasts and recent market upgrades will determine whether rates rise again, as Tropical Storm Risk predicts seven Atlantic hurricanes and AM Best upgraded the market to stable last year.
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24 Articles
24 Articles
Santa New Mexican+23 Reposted by 23 other sources
The state of home insurance in 2026: Increasing rates, climate change, and consumer frustration
Insurance.com reports that home insurance rates are rising due to climate change, inflation, and legal challenges, causing homeowner frustration. Stability may come in 2026, but lower rates are uncertain.
Coverage Details
Total News Sources24
Leaning Left1Leaning Right0Center23Last UpdatedBias Distribution96% Center
Bias Distribution
- 96% of the sources are Center
96% Center
C 96%
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