Home insurance renewal increase checker

A renewal increase usually has two parts: you bought more coverage because the policy raised your dwelling limit with building costs, and you paid more for each dollar of it. This tool separates the first from the second so you know what to ask your insurer.

How to use it

Pull last year's declarations page and this year's renewal offer and compare them side by side. Enter last year's and the renewal premium, and last year's and the renewal dwelling limit (Coverage A). Most policies raise the limit automatically each year to keep pace with building costs, which is often an inflation guard feature. Then tick any changes on your side:

• A deductible changed, or a new wind and hail or hurricane percentage appeared.
• You filed a claim in the last few years.
• A discount disappeared: bundle, claims-free, protective device.
• The roof is 15 or more years old, or an inspection found issues.
• You added coverage: water backup, scheduled items, higher liability.

If you add the renewal date, a button saves reminders to your own calendar (45, 21 and 7 days before, and on the day) as a small .ics file; nothing is sent or stored on our side.

How the math works

The tool divides the increase into dollars and percent, and also shows it per month. The part due to a higher limit is last year's premium times the growth in the limit, which prices the extra coverage at last year's rate. Everything else, labeled rate increase, surcharges, lost discounts and changed deductibles, is the remainder.

Say, hypothetically, a premium of $2,200 rising to $2,750, with Coverage A rising from $330,000 to $350,000. The increase is $550, or 25.0%, about $45.83 a month. The limit rose about 6.1%, which accounts for about $133. The other roughly $417 is something other than more coverage.

The to-do list adapts. If you ticked nothing and the remainder is positive, the tool says this is mostly a rate increase and suggests asking your insurer for the reason and whether it was filed with your state insurance department. Each box you tick adds a specific question; an increase above 15% adds a prompt to call an independent agent. Every result ends with checking that the new limit still matches your rebuild cost, getting comparable quotes in the homeowners quote comparison worksheet, and checking the effect on any escrowed payment with the escrow shortage calculator.

What it assumes

The split is an approximation. It assumes the premium moves in proportion to the dwelling limit, which is not how rating works: liability, fees and some other charges do not scale with Coverage A. The 15% prompt and the roof-age wording are the tool's rules of thumb. For context, J.D. Power's 2025 U.S. Home Insurance Study (fielded July 2024 to May 2025) found 47% of homeowners insurance customers had a premium increase in the past year, which the firm described as the highest rate of insurer-initiated increases in more than a decade. An increase is common, but that is no reason to stop asking questions. All dollar figures here are editable examples.

Where it stops being right

Only your insurer can tell you what is in the remainder, and the tool cannot see a rate filing or your rating factors. A lower limit than last year is not credited. If you changed deductibles or added endorsements, the split will overstate how much of the rest is pure rate. State rules decide how much notice you receive and whether an insurer may nonrenew; how insurers file rate increases with regulators covers how increases are approved. For next steps see your home insurance premium jumped: what to do and shopping your policy at renewal: how often and how. If the new deductible is a percentage, run it through the hurricane and percentage deductible calculator before you accept it.