Insurance Costs Are Rising — But Not Evenly

National averages hide what's really happening.

While headline numbers suggest insurance premiums are up 10–20%, the reality on the ground is far more uneven. In many regions, especially those exposed to climate risk, aging housing stock, or rising rebuild costs, premiums have increased 30–50% or more over a short period.

In some markets, insurers have: • raised deductibles dramatically • restricted coverage types • required inspections or mitigation upgrades • exited entirely