Home Insurance Rates Rise 8% in 2026: New Roof Age Rules and Rate Cap Laws — and the Loophole Insurers Are Already Using

# Home Insurance Rates Rise 8% in 2026: New Roof Age Rules and Rate Cap Laws — and the Loophole Insurers Are Already Using

> **Quick answer:** Home insurance premiums are rising roughly 8% nationally in 2026, per Cotality analytics. Two landmark state laws take effect July 1: Florida's HB 815 bars insurers from denying coverage based solely on roof age, and Colorado's HB25-1182 gives homeowners the legal right to see — and challenge — their wildfire risk score. Consumer wins, both of them. The catch: insurers are quietly shifting high-risk policyholders into the unregulated Excess and Surplus (E&S) market, where state consumer protections do not apply, and that market grew from under 2% to 16% of policies in high-risk states in just two years.

Home insurance rates are rising again in 2026 — and understanding the new roof age rules and rate cap regulations may be the difference between keeping your coverage and losing it. Two significant consumer protection laws take effect this summer, but a silent regulatory workaround is already blunting their impact on millions of homeowners.

## Home Insurance Rates in 2026: What the Numbers Say

Cotality, the real estate analytics firm formerly known as CoreLogic, projects a national average home insurance rate increase of approximately **8% in 2026**. That lands on top of years of compounding hikes: the Consumer Federation of America found that U.S. homeowners collectively paid **$21 billion more for home insurance in 2024 than in 2021**.

The national average premium now sits at roughly **$2,543 per year** according to Insurance.com's 2026 market report — but that average masks massive regional variation. Florida homeowners pay an average of **$7,136**, the highest in the country. Hawaii pays the lowest at **$659**.