Theresa Peterson

Stronger storms, heavier rain, longer wildfire seasons drive bigger, costlier weather claims.
Materials and labor costs ↑, so rebuilding today costs more than years ago.
Frequent claims, neighborhood risk, and policy add-ons can quietly push premiums higher.
Credit-based insurance scores and industrywide disaster losses can raise costs broadly.
Homeowners can offset increases with prevention upgrades, policy reviews, and shopping quotes.

Why Home Insurance Premiums Keep Climbing

New studies show weaker credit histories often lead to much higher insurance premiums.
Consumers with fair credit around 580–669 may pay nearly twice those with excellent 800+.
Insurance companies often use credit-based insurance scores when calculating policy prices.
Similar homes in the same area can receive very different premiums due to credit scores.
Some states restrict credit-based pricing, while many still allow it, raising fairness concerns.