Home Insurance Update
Why Homeowners Are Checking Home Insurance Rates Before Renewing in 2026
Home insurance rates can vary by insurer, property and ZIP code. Before renewing, it may be worth seeing what other options are available in your area.
Continue to compare options that may be available in your area.
Has Your Home Insurance Premium Changed?
Home insurance costs have changed for many homeowners, and different insurers can price the same home differently.
Location, rebuilding costs, the property itself, coverage choices and deductibles can all influence actual rates.
47%
of homeowners-insurance customers surveyed by J.D. Power reported experiencing an insurer-initiated premium increase.
Source: J.D. Power 2025 U.S. Home Insurance Study
Why Home Insurance Rates Can Vary
Insurance companies consider many factors when pricing a home. That means rates can vary between locations and between insurers.
- Location
- ZIP code, local rebuilding costs and regional risk can affect pricing.
- The Home
- Property age, construction, roof and rebuilding characteristics can matter.
- Coverage
- Coverage limits, deductibles and insurer underwriting also affect actual rates.
Actual rates depend on the property, coverage, insurer and other underwriting factors.
When It May Be Worth Comparing
- Your premium increased
- Your renewal is coming up
- You haven't compared insurers recently
- Your home or roof has changed
Checking available options can help you understand how your current policy compares.
How Comparing Works
1. Enter Your ZIP
Start with your location.
2. Answer a Few Questions
Tell the comparison experience about your home and coverage needs.
3. Review Available Options
Review options that may be available.
Before You Automatically Renew
Many homeowners stay with the same insurer for years, but pricing, coverage needs and available options can change over time.
Comparing does not mean you have to switch. It simply helps you see what else may currently be available.
Ready to Compare Home Insurance Options?
See what may be available in your area.
Check Home Insurance Options in Your Area
You'll continue to a home-insurance comparison experience.