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

CHECKER

Why did my premium go up?

Answer a few questions from the renewal offer. The notes below are a sorting aid, not a finding about your policy. Anything we did not re-read is marked needs verification.

Did the dwelling limit go up?
Deductible on the new offer

Likely explanations

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Questions people type

Can this checker see why my exact policy went up?

No. It sorts the usual causes — replacement cost, roof age, claims, catastrophe location, and a handful of rate actions we actually read — and tells you which document to ask for. It does not have your rating worksheet.

What counts as a confirmed rate change on this page?

A regulator or company release we opened for this review. The State Farm California 17% settlement and the Citizens Florida 2026 decreases are in that set. News reports of filings are marked needs verification.

Sources reviewed 2026-10-14

Open the document. The sentence above is only as current as that reading.

  1. [4] Press release 012-2026: State Farm settlement on the emergency interim rate. California Department of Insurance. Reviewed 2026-10-14. https://www.insurance.ca.gov/0400-news/0100-press-releases/2026/release012-2026.cfm
  2. [19] Examining Homeowner Property Insurance Market Dynamics, 2018–2024 (31 July 2026). NAIC Center for Insurance Policy and Research. Reviewed 2026-10-14. https://content.naic.org/sites/default/files/mcas-homeowners-property-insurance-market-dynamics-report.pdf
  3. [20] NAIC release on the 2018–2024 homeowners market analysis. National Association of Insurance Commissioners. Reviewed 2026-10-14. https://content.naic.org/article/naic-releases-first-its-kind-national-analysis-homeowners-insurance-market-trends
  4. [22] Facts + statistics: homeowners and renters insurance. Insurance Information Institute (Triple-I). Reviewed 2026-10-14. https://www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance
  5. [23] Triple-I press release, 17 December 2025, homeowners market brief. Insurance Information Institute. Reviewed 2026-10-14. https://www.iii.org/press-release/triple-i-homeowners-insurance-market-shows-early-signs-of-stabilization-as-post-covid-inflation-pressures-level-set-into-new-normal-for-risk-pricing-121625
  6. [24] Citizens’ 2026 multiperil rates to drop statewide (4 March 2026). Citizens Property Insurance Corporation. Reviewed 2026-10-14. https://www.citizensfla.com/-/20260304-citizens-2026-multiperil-rates-to-drop-statewide
  7. [26] SERFF Filing Access. NAIC. Reviewed 2026-10-14. https://filingaccess.serff.com/sfa/home/
  8. [27] State insurance department directory. National Association of Insurance Commissioners. Reviewed 2026-10-14. https://content.naic.org/state-insurance-departments
  9. [29] Allstate moves to reopen California home insurance market. Insurance Business. Reviewed 2026-10-14. https://www.insurancebusinessmag.com/us/news/breaking-news/allstate-moves-to-reopen-california-home-insurance-market-for-first-time-in-four-years-588803.aspx