FILE NO. HO-2026 · REVIEWED 2026-10-14
Your homeowners premium went up. The notice has a deadline.
PremiumHike explains the bill and the non-renewal letter, carrier by carrier and state by state. Every figure has a source. If we did not re-read it, the page says needs verification.
CHECKER
Why did my premium go up?
Sort replacement cost, roof, claims, and a known rate order. It does not guess a filing we have not read.
GUIDE
Non-renewal, what to do
Count the days on the letter against the state rule, then keep coverage in force while you replace it.
CALCULATOR
What the increase costs
This year’s dollars, then a flat and a repeating what-if over three and five years. Not a forecast.
Pages people are searching
- Why did my State Farm home insurance go up?
- Florida non-renewal notice requirements
- Allstate non-renewal in California, 2026
- State Farm in California
- Citizens rates in Florida
- Texas 60-day non-renewal rule
- Louisiana notice change
- Colorado FAIR plan and the 60-day rule
- Why home insurance went up in 2026
- FAIR plan by state
- Why did my GEICO car insurance go up?
What the national numbers actually say
In 2024, 715 homeowners companies with at least $50,000 of direct premium in a state had 103,289,334 policies in force and wrote $165.2 billion of direct premium, about $1,600 per policy. Sources
Adjusted for inflation, average premium per policy rose between 18.3% and 43.3% across NAIC zones from 2018 to 2024, which the NAIC describes as about 2.4% to 5.3% a year. The largest moves were in 2023 and 2024. These are zone figures. A street, a ZIP code, or one company can sit far from the zone average. Sources
Insurers reported 2,019,799 company-initiated homeowners nonrenewals in 2024. The rate per 1,000 policies rose between 96% and 216% by zone from 2018 to 2024. Sources