Why Your Home Insurance Premium Doubled — And 5 Ways to Cut It Back Down

If your homeowners’ insurance renewal letter triggered sticker shock this year, you’re in a growing company. The average U.S. homeowners’ insurance premium surged to $2,377 annually in 2025 — a 33% increase from 2022, according to the Insurance Information Institute. In disaster-prone states like Florida, Louisiana, Texas, and California, increases of 50% to 100% have…