InsurancesQuoteThe shifts that move homeowners premiums — CAT season outlooks, reinsurance markets, regulatory changes, and carrier pullbacks.
Last updated May 21, 2026
Latest home insurance news organized newest-first. For deeper trend analysis, see our Insuring the American Homeowner 2026 annual report.
Florida's 2024 tort-reform package and reinsurance-fund expansion are starting to show up in 2026 rate filings. Average premium rose just 2.1% YoY — the smallest increase since 2020. Carriers reentering the FL market remain limited.
Compare 2026 rates from carriers writing in your area.
After years of refusing forward-looking wildfire models in pricing, the California DOI approved their use under new guardrails. Industry watchers expect carriers to return to wildfire-zone underwriting in late 2026.
Carriers in the hail belt rolled out steeper surcharges on roofs older than 15 years; several capping new business at roofs 20+ years without prior replacement.
Long-awaited overhaul of the National Flood Insurance Program advanced this week, with revised rate maps, expanded private-market participation, and means-tested premium assistance.
Carriers report 4–8% reinsurance cost increases in the 2026 renewal cycle — well below the 18–25% spikes of 2023–24. Suggests primary insurance rates may stabilize 2027.
Material and labor cost growth eased meaningfully in Q1 2026 — the first sub-4% reading in three years. Carriers expect modest impact on 2026 base-rate filings.
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