Install
Premiums and Rate Hikes states
Arkansas Arkansas home insurance: State Farm and Farm Bureau lead, hail and tornadoes push premiums above average, no FAIR plan, and a new FORTIFIED roof grant program. Colorado Colorado home insurance: hail-driven premiums, wildfire claim protections after the Marshall Fire, the new FAIR Plan, wind/hail deductibles and claim deadlines. Illinois Illinois home insurance: State Farm writes a third of premiums, new 2026 laws add rate review and longer notices, and mine subsidence cover is built in. Kansas Kansas home insurance: State Farm and American Family lead, hail drives claims, contractor assignments are banned since 2026, and the FAIR Plan is the fallback. Minnesota Minnesota home insurance: a State Farm-led market, hail-driven costs, and state rules on wind/hail deductibles, nonrenewal appeals and FORTIFIED discounts. Nebraska Nebraska has no FAIR plan. State Farm leads, hail drives a $2,142 average HO-3 premium, and a valued policy law pays full limits on total losses. North Carolina North Carolina home insurance: a Rate Bureau sets base rates, State Farm and NC Farm Bureau lead, and a FAIR Plan and Coastal Pool back up the coast. North Dakota North Dakota home insurance: a small, hail-driven market led by State Farm and American Family, no FAIR plan, and a three-year minimum to sue. Ohio Ohio home insurance: State Farm leads, three Ohio carriers make the top 10, premiums run low, and the FAIR Plan and a mine subsidence fund fill gaps. Oklahoma Oklahoma home insurance: State Farm writes nearly a third of the market, hail drives some of the nation's highest premiums, and there is no FAIR plan. Wisconsin Wisconsin has the cheapest average HO-3 premium in the U.S., three home-state insurers in the top 10, an ACV-only FAIR plan and a big flood insurance gap. Wyoming Wyoming has no FAIR plan. State Farm and Farmers lead, hail and a near-record 2024 fire season push prices up, and natural-cause claims get renewal protection.