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Premiums and Rate Hikes guides
Escrow shortages after a premium increaseWhy a higher home insurance bill creates an escrow shortage, the federal rules on how fast your servicer can collect it, a worked example, and what to do.Your home insurance premium jumped: what to doWork out whether filed rates, your coverage, your rating factors or lost discounts drove the jump, then fix what you can and shop the rest before renewal.The Midwest's rising storm losses and ratesHow hail, tornadoes and derechos pushed up Midwest home insurance rates and deductibles, with NAIC 2025 market data and what to check at renewal.North Carolina's rate bureau and homeowners ratesHow the North Carolina Rate Bureau sets homeowners base rates, what the 2025 and 2026 settlements allow, and what consent-to-rate notices mean for you.Price optimization and the loyalty penalty in home insurancePricing by how likely you are to shop, not how risky your house is, has been condemned by regulators in many states. What it is, who says what, how to test it.How insurers file rate increases with regulatorsA rate filing is an insurer's request to change its prices. What goes into one, how regulators review it, how to read an average increase and where to find it.Shopping your policy at renewal: how often and howWhen to re-quote your homeowners policy, the 60-day timeline, what to hold constant, what you can lose by switching, and how to move without a coverage gap.Texas homeowners insurance: hail, wind and ratesWhy Texas homeowners insurance costs so much, how wind and hail deductibles and TWIA work, and what the 2026 rate filings and new rules mean for you.What affects your homeowners insurance rateLocation and rebuilding cost set most of a homeowners premium; roof, age, claims, credit, deductible and discounts adjust it. Which factors you can change.Why homeowners insurance keeps going upHigher rebuilding costs, costlier storms and a 2023 reinsurance spike pushed premiums up. Increases have slowed since, but the bill rarely falls back.Will a claim raise your homeowners premium?Often, but not always. What decides whether a claim moves your rate or your renewal, which claims some states shield, and how to ask before you file.