Between climate change and the costs associated with rebuilding homes on the rise due to inflation, homeowners insurance premiums are near all-time highs. While that’s unwelcome news for policyholders, it’s great news for the companies whose underwriters determine the costs.
According to a July 2026 report by the National Association of Insurance Commissioners’ (NAIC) Center for Insurance Policy and Research, average premiums for homeowners insurance outpaced rising inflation across every major region of the United States from 2018 to 2024.
