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 → · 9 raised
Illinois home rate-change tracker → · 10 raised, 3 cut
Louisiana home rate-change tracker → · 5 raised, 2 cut
Michigan home rate-change tracker → · 23 raised, 3 cut
New Jersey home rate-change tracker → · 21 raised, 1 cut
New York home rate-change tracker → · 6 raised
Ohio home rate-change tracker → · 11 raised, 4 cut
Pennsylvania home rate-change tracker → · 7 raised, 2 cut
Texas home rate-change tracker → · 11 raised, 5 cut
Virginia home rate-change tracker → · 9 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.