Educational notes for homeowners. Not an insurer, not an agent, and not advice about your policy.

2024 RANK 2 · 9.0% · $15.49 billion

Why did my Allstate home insurance go up?

Second-largest homeowners writer in 2024. California new-business news is a reported filing, not an order this file treats as final.

The short answer

Allstate wrote $15.49 billion of homeowners direct premium in 2024, a 9.0% share. The same market-wide pressures that show up in the NAIC zone data — replacement cost, catastrophe losses, and tighter underwriting — are the right first explanation for an Allstate renewal that rose. They are not a substitute for the rate page in your offer. [22][19][23]

2025–2026 filings and exits

California, reported 2026

Needs verificationInsurance Business reported that Allstate asked the California Department of Insurance for permission to write new homeowners policies again, after a pause in new business since 2022, and that the application tied that return to an overall 1.4% rate change. The same article said about two-thirds of policyholders would see a decrease, nearly 30% an increase up to 55%, and fewer than 4% an increase between 55% and 185%, and that the department can still change those figures. On 14 October 2026 this review still had not found a department press release or order approving that request. Treat the percentages as a news report of a filing, not as the premium on a renewal. Needs verification in SERFF. [29][26]

Needs verificationNo Allstate rate order, withdrawal, or nonrenewal moratorium for 2025 or 2026 was confirmed in this review outside any state named above. That is not evidence the company filed nothing. Search SERFF Filing Access and the state department’s rate-filing search. [26]

Public rate filings are posted in SERFF Filing Access when a state participates. Search the company and the homeowners line. A filing is a request until the regulator acts on it. Unless a row above cites a regulator or company release, this review did not download that company’s SERFF PDF. [26]

Why homeowners rates are rising anyway

These are market-wide findings. They are not a Allstate rate filing, and they are not your renewal percentage.

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. [19]

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. [19][20]

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. [19]

The latest state-by-state HO-3 averages republished by the Insurance Information Institute are for 2022, from NAIC data (a May 2025 NAIC study, as Triple-I describes it). The U.S. average was $1,569, up 11.2% from 2021. The figure is premium divided by house-years for the HO-3 owner-occupied form, and it includes state funds, residual markets, and some wind pools. The NAIC does not rank states and does not endorse rankings others draw from the data. [22]

Triple-I said on 17 December 2025 that structural replacement costs had risen nearly 30% over the prior five years, and it forecast 11.8% growth in homeowners net written premium for 2025. That growth figure is a forecast, not a closed result. [23]

In ISO data for 2023, republished by Triple-I, wind and hail were 42.5% of homeowners incurred losses, water damage and freezing 22.6%, and fire and lightning 21.6%. About 5.3% of insured homes had a claim. The ISO tables exclude Alaska, Texas, and Puerto Rico, so they are not a Texas loss split. [22]

What to do if the bill or the letter arrives

Find three dates: the date the notice was mailed, the date the policy expires, and the date the company says coverage ends.
Read the reason. “Underwriting reasons,” with nothing under it, is not an explanation you can appeal or fix.
Decide which letter you have. A nonrenewal, a mid-term cancellation, and a renewal that cuts coverage or raises the price are different notices, and states time them differently.
Keep paying the current policy until a new one is bound. A gap can put a mortgage into force-placed insurance, which protects the lender first.
Ask the company, in writing, for the declarations page, the replacement-cost estimate, and which rating factors changed.
If a mortgage company is on the policy, tell them you are replacing coverage before the old policy ends.
Shop admitted insurers. If you cannot find one, use the residual-market note on your state page. A FAIR plan or Citizens policy is often narrower than the policy you had.
Compare deductibles before you accept a lower premium. A percentage hurricane or wind deductible is a share of the dwelling limit, not a flat $1,000.
If the notice looks late or states no real reason, complain to the state insurance department and keep the envelope or the electronic-delivery record.
Ask about a mitigation credit only where the company will put the discount in writing: a new roof, opening protection, or defensible space, depending on the peril.

The day count depends on the state. Open the non-renewal guideor the premium calculator.

Allstate by state

Combined pages exist where the search demand is highest. Every state still has its own notice page.