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Home Insurance

Homeowners coverage and catastrophe risk in plain English: what drives premiums, what standard policies exclude, and the levers homeowners can actually pull.

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Check home insurance pressure by ZIP

Use Treasury FIO homeowners ZIP metrics alongside flood premium context so renewal questions are not split across two pages.

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Home Insurance Cost Index

State and ZIP-level average annual homeowners premium, with NAIC HO-3 state averages as the ongoing annual backup.

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Jul 6, 2026
Why Home Insurance Keeps Getting More Expensive — and What You Can Actually Do
The structural forces driving home insurance premiums higher — and the practical levers homeowners can actually pull to manage cost without gutting their coverage.
5 min read

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Homeowner and mortgage-continuity education

Explore the Life Insurance hub for homeowner and mortgage-continuity education.

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Check home insurance pressure by ZIP

Home Insurance Cost Index

Why Home Insurance Keeps Getting More Expensive — and What You Can Actually Do

Homeowner and mortgage-continuity education