Home insurance premiums have more than doubled since 2019, rising 107.6%, but the 2026 report shows a slowdown with a 9.16% increase in 2025. Insurance now accounts for 9% of monthly mortgage payments, the highest on record. Premiums have outpaced dwelling coverage increases, creating a coverage gap. Higher deductibles and AI-based roof assessments are more common. State premium changes vary widely, with some states seeing over 20% increases.