Renewal guides

Make sense of the renewal notice.

Editorial previews covering pricing terms, comparison questions, and state-specific considerations. They are not live filing reports.

Florida Homeowners Face Highest Rate Increases in Decades

Insurance carriers have filed unprecedented rate increases for Florida homeowners, with average increases exceeding 22% for 2026.

State Farm and Liberty Mutual lead a wave of rate hikes in the Texas auto insurance market, citing rising repair costs.

The California Department of Insurance reviews multiple rate filings as insurers cite wildfire exposure and inflation.

Geico's efficient operations allow it to maintain average rate increases of 9.2%, well below the national average of 14%.

Winter storms and increased accidents drive Liberty Mutual and others to request rate increases exceeding 20% in Michigan.

Despite stable inflation, renters insurance rates are climbing as carriers adjust for increased replacement costs.

Carriers are becoming more selective about which risks they accept, leaving some customers unable to renew coverage.

As underlying policies increase, more customers seek umbrella coverage, creating bottlenecks in the market.

New York insurers balance rate requests with strict regulatory oversight, resulting in varied increases across carriers.