Home insurance is up 24% in three years, and older homes cost 81% more to insure
NerdWallet, 2026 Home Insurance Rates Report · Oct 2, 2026 · 0 views · Insurance
The typical premium reached $2,564 in early 2026, 24% more than in early 2023, though the latest one-year rise slowed to 4.6%. A home built in 1984 costs 81.2% more to insure than new construction, or $1,149 a year. Why it matters for operators: National averages can be off by hundreds of dollars. Get a quote for the specific property before you close.
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