Home & Living

Why Home Insurance Is Getting More Expensive and Harder to Get

Homeowners across the United States are opening renewal letters and finding premium increases that look unreal. In some states, policies jumped 20% to 40% in a single year. Others lost coverage entirely after insurers pulled out of risky markets in Florida, California, and Louisiana. The problem reaches beyond hurricanes and wildfires. Rebuilding costs, climate disasters, lawsuits, and reinsurance markets are all pushing prices upward at the same time - and many homeowners still do not understand how exposed they are.