Are homeowners insurance rates going up in 2026?

In many states, sharply — climate losses and reinsurance costs are driving double-digit increases in the hardest-hit markets (Texas home filings run to +20–30%), though a few carriers have filed cuts.

How do I tell if I'm getting a filed rate cut?

Filed changes reach your policy at renewal, and cuts often apply to new business first. Re-shop your ZIP to confirm you're on the lowest current rate.

Homeowners Insurance Rate Change Tracker (2026)

Homeowners insurance is the sharp edge of the 2025–26 rate crisis — climate losses and reinsurance costs are pushing double-digit increases in the hardest-hit states, while a few carriers cut. We track the approved filings so you can see who moved, by how much, and whether your renewal reflects it.

The catch: a filed rate change reaches your policy at renewal. A hike lands on your next bill; a cut may reach new buyers first. Either way, re-shopping is how you stay on the best price.

States we track carrier-by-carrier

California home rate-change tracker → · 3 raised

Texas home rate-change tracker → · 7 raised, 2 cut

Carrier filings are filed/approved statewide-average changes from state Departments of Insurance (each row linked to its source). Individual rates vary by home and risk. Not a quote.

Homeowners insurance rate change tracker — 2026

States we track carrier-by-carrier