Home insurance isn’t just creeping up - it’s galloping. Nationwide premiums jumped an average 10% in 2024 on top of a 12% surge in 2023, and expert analysts at leading insurance-comparison site Insurify expect another 8%-plus hike by the end of 2025. Behind those numbers are stacked pressures: back-to-back billion-dollar climate losses, soaring rebuild costs, and major carriers retreating from high-risk zip codes, leaving homeowners to shoulder 34% higher rates than just six years ago. In this environment, comparison shopping isn’t optional - it’s the last reliable lever consumers can still pull to hold insurers accountable and keep coverage affordable.
