Average home insurance rates in 2025 will be $1,000 more per year than four years ago

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• The average cost of home insurance is projected to rise 8% this year. Homeowners in Louisiana, however, should brace for an increase of 27%, according to a study by Insurify.

With natural disasters seemingly occurring more frequently in the past few years, homeowners have been seeing their home insurance rates rise steadily. And a new survey indicates the trend won't be reversing anytime soon.