08/06/2026
🏡 Thinking about buying a home? Don't let homeowners insurance catch you by surprise.
Over the past few years, insurance premiums have climbed for many homeowners, and it's added real pressure to affordability. The good news is that while costs are still rising, the pace is finally starting to slow down.
Here's what you need to know:
📈 71% of homeowners say their insurance costs have gone up in recent years
📊 2025 marked the first slowdown in annual premium increases since 2019
📍 Where you buy makes a big difference, since costs vary a lot by state and by local risk factors
Want to save on your premium? Try these tips:
✅ Shop around and compare quotes
✅ Bundle your home and auto policies
✅ Ask about discounts you may qualify for
✅ Highlight upgrades like a new roof or storm windows
✅ Work on improving your credit score
The smartest move? Get an insurance quote before you make an offer, so you know what your monthly costs will really look like.