Insurify Projects Home Insurance Rates Will Rise for the 5th Consecutive Year, After a 12% Increase in 2025

Home insurance costs will continue rising nationwide, with premiums expected to increase around 8% in 2025 (after sharp gains in prior years) and climb across all 50 states, driven largely by escalating climate risks, rebuilding costs and regional disaster exposure.

As insurance becomes a faster-growing component of overall homeownership costs with significant regional volatility, affordability and location decisions are increasingly influenced by risk-based pricing and long-term cost expectations.