home insurance premiums
Coverage of home insurance premiums in the Nexus archive.
- These U.S. states have the cheapest home insurance premiums in the country
Home insurance costs vary significantly by location, and MoneyGeek's 2026 analysis identifies U.S. states with the lowest annual premiums.
- Wildfire risk drives 84% spike in California home insurance costs in 5 years, Stanford study finds
A Stanford study found California home insurance premiums increased by 84% over five years, driven by wildfire risk. High-risk fire zones saw the largest impacts, with more homeowners shifting to the state's costly FAIR Plan as insurers reduce coverage.
- Navigating North Carolina’s home insurance affordability crisis
North Carolina homeowners face rising insurance premiums driven by climate-related risks, with a 7.5% increase this month and 55% of policies now using consent-to-rate (CTR) allowing up to 250% above base rates. Over 40 billion-dollar disasters since 2018 and weaker building codes exacerbate costs, while low-credit-score homeowners pay over double for coverage compared to high-credit counterparts.