home insurance coverage increase

Inflation forces a review of property insurance policies — Photo by Berna Elif on Pexels

Home Insurance Policies vs 120% Construction Inflation: Who Protects?

Home insurance coverage increase is not a simple premium bump; it reflects a cascade of market distortions. Insurers are reacting to soaring rebuild costs, lax data standards, and political compromises that leave homeowners footing the bill. In 2026, construction cost inflation surged 12% year-over-year, outpacing average home insurance premium hikes