GUIDES

The questions that outlast one renewal cycle

These pages stay up after a single filing is old. Each figure still points at a source. A company-specific cutoff we did not read is marked needs verification.

• CAUSESWhy home insurance went up: the 2026 causesThe 2026 causes behind a higher homeowners premium: NAIC zone trends through 2024, replacement cost, and the loss mix. Not your percentage.
• PRICEHow to lower your homeowners premiumPractical ways to question a homeowners premium: the rating worksheet, replacement cost, deductible, and a written mitigation credit. No invented discount.
• ROOFRoof age and homeowners insuranceHow roof age shows up in a homeowners premium or a nonrenewal: the wind and hail loss share, and what to ask the company. No universal age cutoff.
• NOTICEWhat to do after a homeowners non-renewalWhat to do after a homeowners non-renewal notice: dates, the reason, the state statute, and how to keep coverage in force while you replace it.
• LAST RESORTFAIR plan by stateFAIR plans and other insurers of last resort by state, with the fiscal-year 2024 habitational counts Triple-I republished and a flag where the plan name still needs verification.