Why did my home insurance go up if I did not file a claim?

Homeowners rates are set at the book level, not per customer: your carrier files a statewide rate change with the insurance department based on its overall loss costs, and it applies at renewal regardless of your own claims history. Each explainer here links the approved filing for your carrier and state.

How do I find the exact filing behind my home increase?

Pick your carrier and state from the list on this page. Each explainer cites the approved SERFF filing by tracking number - the size of the increase, how it varies by household, and which competitors cut rates in the same state.

Should I switch home insurers after an increase?

Often it is worth checking, especially when other carriers in your state are cutting. Rate changes apply at renewal, and a carrier that raised you can be well above a competitor for the same coverage. Comparing for your exact ZIP and dwelling amount is the only way to know.

Why Did My Home Insurance Rate Go Up? (2026)

See who’s cheapest in your ZIP right now:

If your home insurance renewal jumped, you are not imagining it — and unlike most sites, we can show you the actual approved rate filing behind it. Find your carrier and state below. Each explainer breaks down how much the carrier raised, how the increase varies by household, and — the part your renewal notice never mentions — which competitors are cutting rates in your state right now.

Find your carrier and state

Don’t see your carrier or state yet? We add explainers as we pull each state’s filings. In the meantime, the 2026 Rate Change Tracker shows every approved change we’ve recorded — or just compare every carrier for your ZIP above.

Ready to stop overpaying? Compare every carrier for your ZIP:

Why did my home insurance rate go up?

Find your carrier and state

Illinois

Louisiana

Michigan

New Jersey

New York

Ohio

Pennsylvania

Virginia