#homeowners-insurance

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#fair-plan
fromLos Angeles Times
1 week ago
California

California's home insurer of last resort seeks 36% rate hike following January fires

California FAIR Plan seeks an average 35.8% dwelling rate increase after $4 billion January wildfire losses and a $1 billion member-carrier assessment.
fromSFGATE
2 months ago
Real estate

Colorado Insurance Plan for Homeowners Goes Bust: Here's Why

FAIR Plan in Colorado provides state-backed insurance for homeowners denied traditional coverage, offering actual cash value up to $750,000.
fromSFGATE
1 week ago

Wyoming Homeowners Pay Mid-Range Insurance Costs In The Country

Wyoming homeowners face mid-range insurance premiums compared with the rest of the U.S. While not as high as those in Gulf Coast states, Wyoming's costs trend above some of its Mountain West neighbors, reflecting risks tied to severe weather and wildfire exposure. New data from the U.S. Census Bureau and the 2025 Climate Risk Report help place Wyoming in the national context.
Environment
Real estate
fromSFGATE
1 week ago

Wisconsin Homeowners Pay Some of the Lowest Insurance Costs In The Country

Wisconsin homeowners pay among the lowest homeowners insurance premiums in the Upper Midwest, typically $1,000–$1,499 for mortgaged households.
Real estate
fromSFGATE
1 week ago

West Virginia Homeowners Pay Some of the Lowest Insurance Costs In The Country

West Virginia homeowners typically pay among the nation’s lowest homeowners insurance premiums, generally ranging from $800 to $1,499 annually depending on mortgage status.
US news
fromSFGATE
1 week ago

Washington Homeowners Pay Some of the Lowest Insurance Costs In The Country

Washington homeowners typically pay $1,000–$1,499 annually for homeowners insurance, placing the state among the most affordable on the West Coast.
Environment
fromSFGATE
1 week ago

Virginia Homeowners Pay Some of the Lowest Insurance Costs In The Country

Virginia homeowners typically pay $1,000–$1,499 annually for homeowners insurance, keeping costs relatively affordable among Mid-Atlantic states despite coastal exposure.
Real estate
fromSFGATE
1 week ago

Vermont Homeowners Pay Some of the Lowest Insurance Costs In The Country

Vermont homeowners typically pay $1,000–$1,499 annually for homeowners insurance, making the state one of the most affordable in New England and the nation.
Real estate
fromSFGATE
1 week ago

Utah Homeowners Pay Some of the Lowest Insurance Costs In The Country

Utah homeowners pay among the lowest homeowners insurance rates in the Mountain West, averaging $800–$1,499 annually depending on mortgage status.
Environment
fromSFGATE
1 week ago

Texas Homeowners Pay Some of the Highest Insurance Costs In The Country

Texas homeowners pay among the highest homeowners insurance premiums in the U.S., driven by exposure to hurricanes, flooding, tornadoes, and hailstorms.
Real estate
fromSFGATE
1 week ago

Tennessee Homeowners Pay Some of the Lowest Insurance Costs In The Country

Tennessee homeowners typically pay $1,000-$1,499 annually for homeowners insurance, among the lowest in the Southeast despite exposure to severe storms.
fromSFGATE
1 week ago

South Dakota Homeowners Pay Mid-Range Insurance Costs In The Country

According to the American Community Survey (ACS) data from the U.S. Census Bureau, South Dakota homeowners with a mortgage typically pay $1,500-$1,999 annually for homeowners insurance, while those without a mortgage average $1,000-$1,499. Overall statewide costs fall into the $1,500-$1,999 range. South Dakota has 261,078 insured homeowner households in total-142,522 with a mortgage and 118,556 without. Among mortgaged owners, 16,322 pay less than $100 annually and 12,336 pay $4,000 or more. Among those without a mortgage, 29,579 pay less than $100 and 6,500 pay $4,000 or more.
Real estate
Environment
fromSFGATE
1 week ago

South Carolina Homeowners Pay Some of the Lowest Insurance Costs In The Country, Despite Being In Extreme Weather Crosshairs

South Carolina homeowners typically pay $1,000–$1,499 annually for homeowners insurance, among the most affordable coastal rates in the Southeast despite hurricane and flood exposure.
Real estate
fromSFGATE
1 week ago

Rhode Island Homeowners Pay Mid-Range Insurance Costs In The Country

Rhode Island homeowners pay mid-range insurance premiums, higher than some New England neighbors but lower than Gulf Coast states, reflecting coastal exposure and small market.
Real estate
fromSFGATE
1 week ago

Pennsylvania Homeowners Pay Some of the Lowest Insurance Costs In The Country, Even Though Neighbors Pay The Highest

Pennsylvania homeowners pay some of the nation's lowest homeowners insurance premiums, with typical annual costs $800–$1,499 depending on mortgage status.
fromSFGATE
1 week ago

Oregon Homeowners Pay Some of the Lowest Insurance Costs In The Country, But Wildfire Risk Could Change All That

While Gulf Coast and wildfire-heavy markets face severe affordability challenges, new data from the U.S. Census Bureau and the 2025 Climate Risk Report show that Oregon remains relatively affordable for homeowners coverage. Oregon's Insurance Costs Stay Affordable According to the American Community Survey (ACS) data from the U.S. Census Bureau, Oregon homeowners with a mortgage typically pay $1,000-$1,499 annually for homeowners insurance, while those without a mortgage average the same $1,000-$1,499. Overall statewide costs fall into the $1,000-$1,499 range.
Real estate
Real estate
fromSFGATE
1 week ago

North Dakota Homeowners Pay Average Insurance Costs Compared to the Rest of the Country

North Dakota homeowners generally face mid-range insurance premiums around $1,500–$1,999, driven higher by winter weather, flooding, and storm exposure.
Real estate
fromSFGATE
1 week ago

North Carolina Homeowners Pay Some of the Lowest Insurance Costs In The Country, But Hike Is In The Works

North Carolina homeowners typically pay relatively low annual insurance premiums ($1,000–$1,499) despite significant coastal hurricane exposure and rising climate risk.
fromSFGATE
1 week ago

New York Homeowners Pay Some of the Lowest Insurance Costs In The Country, But Severe Flood Risk Will Soon Push Prices Even Higher

Compared with nearby states, New York is among the most affordable. New Jersey homeowners with a mortgage also average $1,000-$1,499, with similar patterns. Pennsylvania mortgage holders fall into the same category, while non-mortgaged homeowners average slightly less at $800-$999. Connecticut and Massachusetts, however, are more expensive, with mortgaged owners paying $1,500-$1,999. Rhode Island also trends higher. This positions New York as one of the more affordable large states in the Northeast.
US news
Real estate
fromSFGATE
1 week ago

New Jersey Homeowners Enjoy Some of the Nation's Lowest Insurance Costs Now, But Hidden Flood Risks Loom

New Jersey homeowners typically pay $1,000–$1,499 annually for homeowners insurance, remaining relatively affordable despite coastal storm and flood exposure.
US news
fromSFGATE
1 week ago

Montana Insurance Costs Are Moderate Now - But Wildfire Threats Could Change That

Montana homeowners pay mid-range homeowners insurance premiums—higher than nearby low-risk states but lower than Gulf Coast states; typical statewide costs fall $1,000–$1,499.
fromSFGATE
1 week ago

Missouri Insurance Costs Fall in the Middle of the Pack, But Severe Weather Threats Loom

Missouri homeowners face mid-range insurance premiums compared with both their regional neighbors and the broader U.S. While not as high as storm-prone Gulf Coast states, Missouri's costs are higher than some nearby Midwestern states, reflecting its exposure to tornadoes, hail, and severe weather. Data from the U.S. Census Bureau and the Realtor.com® 2025 Climate Risk Report highlight Missouri's position in the national picture.
Environment
fromSFGATE
1 week ago

Mississippi Homeowners Pay Some of the Lowest Insurance Costs In The Country, But Could Change Next Year

According to newly released American Community Survey (ACS) data from the U.S. Census Bureau, Mississippi homeowners with a mortgage typically pay $1,500-$1,999 annually for homeowners insurance, while those without a mortgage average $1,000-$1,499. Overall statewide costs fall into the $1,000-$1,499 range. Mississippi has 829,682 insured homeowner households in total-401,890 with a mortgage and 427,792 without. Among mortgaged owners, 38,142 less than $100 annually and 38,238 pay $4,000 or more. Among those without a mortgage, 129,731 pay less than $100 and 22,139 pay $4,000 or more.
Environment
US news
fromSFGATE
1 week ago

Minnesota Homeowners Face Average Insurance Rates, as Climate Risks Threaten Stability Nationwide

Minnesota homeowners typically pay $1,500–$1,999 annually for homeowners insurance, higher than several Upper Midwest neighbors but much lower than Gulf Coast states.
Real estate
fromSFGATE
1 week ago

Michigan Homeowners Pay Some of the Lowest Insurance Costs In The Country

Michigan homeowners pay some of the lowest homeowners insurance premiums in the Midwest, with typical annual costs of $800–$1,499.
Real estate
fromSFGATE
1 week ago

Massachusetts Homeowners Pay Average Insurance Costs, but Prices Poised to Climb Higher

Massachusetts homeowners pay mid-range homeowners insurance premiums—cheaper than Gulf Coast states like Florida and Louisiana but higher than some New England neighbors.
Real estate
fromSFGATE
1 week ago

Maryland Homeowners Pay Some of the Lowest Insurance Costs in the Country, But Prices Are on the Rise

Maryland homeowners typically pay $1,000–$1,499 annually for homeowners insurance despite a 25% average premium increase from 2021 to 2024.
Real estate
fromSFGATE
1 week ago

Louisiana Homeowners Pay Some of the Highest Insurance Costs In The Country

Louisiana homeowners face some of the highest insurance premiums in the U.S., driven by hurricane, flood, and severe weather exposure.
Real estate
fromSFGATE
1 week ago

Kentucky Homeowners Pay Some of the Lowest Insurance Costs In The Country

Kentucky homeowners generally pay $1,000–$1,499 annually for homeowners insurance, keeping the state relatively affordable compared with many others.
Environment
fromSFGATE
1 week ago

Kansas Homeowners Pay Some of the Highest Insurance Costs Among Tornado Alley States

Kansas homeowners pay some of the highest homeowners insurance costs in the Midwest due to tornado, hail, and severe weather risk.
Real estate
fromSFGATE
1 week ago

Iowa Homeowners Pay Some of the Lowest Insurance Costs In The Country

Iowa homeowners typically pay $1,000–$1,499 annually for homeowners insurance, making the state one of the most affordable in the Upper Midwest.
Real estate
fromSFGATE
2 weeks ago

Indiana Homeowners Pay Some of the Lowest Insurance Costs In The Country

Indiana homeowners pay among the nation's lowest homeowners insurance premiums, typically $1,000–$1,499 annually.
Real estate
fromSFGATE
2 weeks ago

Illinois Homeowners Pay Some of the Lowest Insurance Costs In The Country

Illinois homeowners typically pay $1,000-$1,499 annually for homeowners insurance, keeping costs more affordable than many neighboring Midwestern states.
fromSFGATE
2 weeks ago

Idaho Homeowners Pay Some of the Lowest Insurance Costs In The Country Despite Wildfire Risks

Idaho homeowners enjoy some of the lowest insurance premiums in the nation, even as premiums rise across many other states. While climate risks are pushing prices higher in places like Florida, Texas, and California, new data from the U.S. Census Bureau and the Realtor.com® 2025 Climate Risk Report show that Idaho households remain relatively insulated from the steepest increases. Idaho's Insurance Costs Stay Affordable
Real estate
Real estate
fromSFGATE
2 weeks ago

Oklahoma Homeowners Pay Some of the Highest Insurance Costs In The Country

Oklahoma homeowners face some of the highest insurance costs in the U.S., driven by Tornado Alley exposure and frequent severe storms, hail, and wind damage.
US news
fromSFGATE
2 weeks ago

Hawaii Homeowners Pay Some of the Highest Insurance Costs In The Country

Hawaii homeowners pay some of the highest insurance premiums in the U.S., with many households facing $4,000+ annual homeowners insurance due to elevated climate risks.
Real estate
fromSFGATE
2 weeks ago

Georgia Homeowners Pay Mid-Range Insurance Costs - But Storm Risks Could Change That

Georgia homeowners typically pay mid-level homeowners insurance premiums nationally, averaging $1,500–$1,999 with a mortgage and $1,000–$1,499 without.
Washington DC
fromSFGATE
2 weeks ago

Washington D.C. Homeowners Pay Mid-Range Insurance Costs Compared to the Rest of the Country

Washington, D.C. homeowners typically pay mid-level homeowners insurance of $1,000–$1,499 annually, similar to Maryland and Virginia but pricier than Delaware.
Real estate
fromSFGATE
2 weeks ago

Delaware Homeowners Pay Some of the Lowest Insurance Costs In The Country

Delaware homeowners generally pay some of the nation's lowest average homeowners insurance premiums, offering affordability compared with neighboring Mid-Atlantic states despite localized high-end burdens.
Environment
fromSFGATE
2 weeks ago

Connecticut Homeowners' Insurance Costs Are Mid-Range - But Rising Wind Damage Claims Could Change Everything

Connecticut homeowners pay moderate homeowners insurance—higher than many New England neighbors but much lower than climate-vulnerable Gulf Coast states.
Real estate
fromSFGATE
2 weeks ago

Colorado Homeowners Pay Some of the Highest Insurance Costs In The Country

Colorado homeowners pay some of the highest homeowners insurance premiums in the Mountain West due to climate-driven hail and wildfire risks.
Real estate
fromThe Washington Post
3 weeks ago

How much do you know about insuring your home?

Understand homeowners' insurance coverage, exclusions, discounts, and claim rules to ensure proper protection, pursue savings, and address specialized risks like earthquake or theft.
Real estate
fromSFGATE
2 weeks ago

New Hampshire Homeowners Pay Some of the Lowest Insurance Costs In The Country

New Hampshire homeowners typically pay some of the nation’s lowest homeowners insurance premiums, generally $1,000–$1,499 annually.
#insurance-premiums
fromSFGATE
2 weeks ago
Real estate

Nebraska Homeowners Pay Some of the Highest Insurance Costs In The Country

fromSFGATE
4 weeks ago
Real estate

Homeowners Insurance Costs Rise in Some States-Here's What You Need to Know

fromSFGATE
2 weeks ago
Real estate

Nebraska Homeowners Pay Some of the Highest Insurance Costs In The Country

fromSFGATE
4 weeks ago
Real estate

Homeowners Insurance Costs Rise in Some States-Here's What You Need to Know

#insurance-affordability
fromSFGATE
2 weeks ago

Arizona Homeowners Pay Some of the Lowest Insurance Costs In The Country-But How Long Will It Last?

Arizona homeowners continue to see relatively affordable homeowners insurance compared with much of the country. While premiums have climbed in high-risk coastal states, data from the U.S. Census Bureau and the Realtor.com® 2025 Climate Risk Report show that Arizona remains on the lower end of the spectrum.
Real estate
Real estate
fromSFGATE
2 weeks ago

Arkansas Homeowners Pay Some of the Lowest Insurance Costs In The Country

Arkansas homeowners pay among the nation's lowest homeowner insurance premiums—typically $1,000–$1,999 annually—remaining relatively affordable despite rising national insurance costs.
Real estate
fromSFGATE
2 weeks ago

Alabama Homeowners Pay Some of the Lowest Insurance Costs In The Country

Alabama homeowners pay some of the nation's lowest annual homeowners insurance, often $1,500–$1,999 with a mortgage and $1,000–$1,499 without.
fromSFGATE
2 weeks ago

Americans at Risk Without Savings or Insurance: What To Know

The average American emergency savings is only $500, significantly below the recommended three to six months of living expenses, leaving many ill-equipped for home repairs or emergencies. Homeowners in high climate-risk areas face challenges with insurance, as premiums soar in disaster-prone regions, leading to some homeowners considering going without insurance due to high costs. With over $12.7 trillion worth of U.S. real estate facing severe climate risk, insurers are either increasing rates or withdrawing from high-risk areas, leaving homeowners with limited coverage options.
Real estate
Business
fromBusiness Insider
3 weeks ago

Gold is worth more than ever. A metals dealer shares 3 tips to keep your stack safe.

Rising gold prices increase theft risk; most collectors keep personal possession and should use discreet, documented home storage or professional vaulting.
#climate-risk
fromSFGATE
1 month ago
Real estate

Homeowners Choosing Neighborhood Over Insurance: 5 Key Takeaways

Homeowners increasingly consider dropping homeowners insurance as climate-driven risks raise premiums and reduce insurer availability, threatening home equity across high-risk U.S. properties.
fromSFGATE
1 month ago
Real estate

Huge Number of U.S. Homes Face Severe Climate Risk: Report

Homeowners in disaster-prone U.S. metros face rising insurance costs that erode property values and destabilize housing markets.
California
fromABC7 San Francisco
1 month ago

California's 5th largest insurer files for a 6.9% rate increase: 'It's pretty insane'

CSAA has filed to raise California homeowners' insurance rates, citing inflation and increased wildfire and natural disaster costs while consumers report claim delays.
fromwww.housingwire.com
1 month ago

Advocacy on the rise as homeowners insurance costs surge

In addition to consumers, housing industry players are also feeling the strain caused by rising premiums. Affordability is already a challenge for homeowners and insurance is just another catalyst making it more difficult for a lot of consumers to continue making their payments, Toby Wells, the president of Cornerstone Servicing, said. He adds that this, in turn, drives up costs for servicers as they need to provide these consumers with loss mitigation efforts.
Real estate
#mortgage-payments
Parenting
fromSlate Magazine
2 months ago

Help! I Let My 5-Year-Old Play Outside in a Swimsuit. Then I Got a Startling Knock on the Door.

Calls to Child Protective Services should focus on serious dangers rather than subjective parenting judgments.
fromRedfin | Real Estate Tips for Home Buying, Selling & More
2 months ago

Loans for flipping houses: A guide for beginners

Buying any house is costly, but the cost to buy, rehab and flip a house can be costlier. By definition, house flipping is the practice of buying property as a real estate investment with the intention of holding it for a short period of time, then reselling it for a profit.
Real estate
US politics
fromSFGATE
2 months ago

5 Key Takeaways: Major Insurer's Homeowners Rate Hike a Signal of Things To Come

State Farm raises homeowners insurance rates by 27.2% in Illinois, citing climate-related losses and rising construction costs.
#replacement-cost
Boston real estate
fromwww.npr.org
4 months ago

Insurance costs are soaring around Tornado Alley. Hail is the big problem.

Hail is driving higher homeowners insurance rates more than tornadoes, despite tornadoes being more deadly.
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