"Many consumers are opening their renewal letters only to be shocked by sudden rate hikes or even non-renewal notices—leaving them wondering what happened, why it’s happening, and how to protect themselves."

"Insurance rate hikes and non-renewals are leaving many consumers blindsided. Discover the reasons behind these changes and what steps you can take."

"That renewal letter hit hard? You’re not alone—rates are climbing fast. Let’s break down WHY + WHAT you can do.

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Why are your premiums increasing?

•Various factors are impacting rates. Natural disaster losses have surged, and economic inflation has caused claims to become more expensive.

• Individual factors also impact rates. Your insurer may raise your rates if you’ve filed a claim or if the insurer considers your property to be high risk – for example, due to an old roof or fire hazards on the property – even if you haven’t filed a claim.

Why are your premiums increasing? Many reasons.

•During the COVID-19 pandemic, fatal car crashes increased

•Many areas have also seen increases in car thefts.

• Car repairs may cost more due to economic inflation, repair shop backlogs caused by labor and supply shortages, and more sophisticated car technology that may be more expensive to fix.

• Individual factors also impact rates. If you file a claim or are found to be at fault in a crash, your rates may increase. DUIs, speeding tickets, and other moving violations may also trigger rate increases.

If you’re hoping for relief in 2026, you may be disappointed. Average prices are expected to increase across the U.S.

Homeowners insurance policy periods are typically 12 months. Auto insurance policy periods are typically either six or 12 months. When your policy renews, you could be hit with a rate increase, change in terms, or notice of non-renewal.

RightSure is here for you. We’re licensed in 42 states and have the industry knowledge and insurer relationships necessary to help you secure coverage in this challenging market. When you reach out to RightSure, our team of famously-friendly humans will go above and beyond to provide you with a positive experience. Find out for yourself why we are North America’s most awarded insurance firm.