Why your premium keeps climbing
If it feels like your bill goes up every year, you’re not imagining it. 2026 is the fifth year in a row that average US home insurance premiums are expected to rise, after a 12% jump in 2025.1 Insurers point to two main causes: more frequent severe-weather claims and the higher cost of rebuilding a home.
The increases aren’t spread evenly. Premiums rose much faster in the most expensive states than in the cheapest ones last year, and a few states, California among them, are projected to see double-digit increases in 2026.1
Staying put rarely gets you the best price
Here’s the part most homeowners never hear: every insurer weighs risk its own way. One might charge more for your roof’s age, another for your ZIP code, another for your claims history. That’s why two quotes for the exact same house can land hundreds of dollars apart.
Your current insurer has no reason to tell you that. Renewal notices arrive, autopay goes through, and another year passes. Comparing a few quotes is the simplest way to find out whether you’re paying a fair price, and it costs nothing to look.
Quick renewal check
Answer three questions and we’ll tell you what to focus on when you compare. Nothing you tap here is saved or sent anywhere.
What to compare besides the price
A cheaper quote only helps if the coverage still protects you. When the offers come in, look at these four things side by side:
- Dwelling limitIt should match what it would cost to rebuild your home, not its market value.2
- DeductibleA low premium paired with a high deductible can cost you more when you actually file a claim.
- What’s excludedStandard policies usually don’t cover flood damage. If you’re in a flood zone, plan for a separate policy.
- Discounts you qualify forBundling home and auto, security systems, a newer roof, and a claims-free history can all bring the price down.
How comparing works
We send readers to BestMoney’s free comparison tool because it’s quick and doesn’t require a phone call to get started.
- Enter your ZIP codeSo you only see insurers that write policies where you live.
- Answer a few questionsAbout your home and the coverage you want. It takes about two minutes.
- Review your offersCompare quotes from participating providers and pick the policy that fits. You’re never obligated to buy.
Common questions
Will comparing quotes affect my credit score?
No. According to BestMoney, getting quotes through its tool won’t affect your credit.
Is it really free?
Yes. You don’t pay anything to compare. The comparison service is paid by the insurance companies it works with, which is also how we earn a commission if you use it.
Can I switch insurers in the middle of my policy?
Usually, yes. Many insurers refund the unused part of your premium if you cancel early, though some charge a cancellation fee. Line up your new policy first so you’re never without coverage, and if you have a mortgage, let your lender know about the change.
When is the best time to shop?
About 30 to 45 days before your renewal date is ideal. It gives you time to compare without rushing. It’s also worth checking after a rate increase, a renovation, or when you buy a new car you could bundle.
Do I have to buy anything?
No. You can look at your offers and walk away. If none of them beat what you pay now, that’s useful to know too.
See if you’re paying too much
Two minutes, no obligation, and it won’t touch your credit. If you find a better rate, you keep the difference.
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