Homeowners Insurance Rate & Nonrenewal Watch

Why this is recommended

Ninety days of notice on a nonrenewal, a mitigation discount worth $400, or a rate filing that justifies shopping before renewal each beats the fee on a policy that now averages $2,400.

What the Tab covers

Who it is for

The 85 million homeowners with a policy, especially in California, Florida, Texas, Louisiana, Colorado and other states where insurers are pulling back.

When it runs

Insurers file rate increases with state regulators year-round and nonrenewal waves are announced 60 to 120 days before policies lapse

Scope

State insurance department rate filings and press releases; State Farm, Allstate, Farmers, Liberty Mutual, USAA, Travelers, Nationwide, Progressive and Citizens announcements; California FAIR Plan, Florida Citizens, Texas TWIA and Louisiana Citizens; NAIC and state legislature actions; mitigation programs such as Fortified and Safer from Wildfires

Suggested task

The objective your Tab starts with. You can edit every line of it once the Tab is yours.

Approved and pending homeowners insurance rate increases by insurer and state, insurer withdrawals and nonrenewal announcements with counts, state FAIR plan rate and eligibility changes, new roof age, wildfire and flood underwriting rules, mitigation discount programs, and state legislation on insurer conduct, with the insurer and the state first.

Track homeowners insurance for US homeowners. Report only confirmed, source-backed items from the last 7 days: approved or pending rate increases of 5 percent or more by insurer and state; insurer withdrawals, pauses on new business and nonrenewal announcements with policy counts; FAIR plan and state-backed insurer rate, eligibility and assessment changes in California, Florida, Texas, Louisiana and other states; new underwriting rules on roof age, wildfire zones, flood zones and claims history; mitigation discount programs such as Fortified and Safer from Wildfires with amounts; and state legislation or regulator orders on insurer conduct. Prefer state insurance department filings, insurer announcements, state-backed plan sites and established insurance reporting; ignore quote comparison marketing. Put the insurer and the state first in the title. Use high severity for a nonrenewal wave over 10,000 policies, a rate increase over 15 percent, or a mitigation deadline within 30 days. Return no more than 6 findings. Push each as a finding with a title, a two-sentence summary, sections for what changed, who is affected, the effective date, what to do before renewal, and the source link. If nothing qualifies, push nothing and submit the run receipt.