#home-insurance

#home-insurance

"From what we see in real homes every day at Remodel Republic , insurance premiums are often tied to how old a home is, what it's built with, and how well it's been maintained over time," says Wade, Project Manager at Remodel Republic in . "Older homes can cost more to insure due to aging electrical, plumbing, or roofing systems, while homes that have been updated with modern, code-compliant materials tend to carry less risk."

Since the 1990s, American homes have been systematically underinsured in the event that they are completely destroyed. Study after study shows that, counter to the public's understanding, many home insurance policies are not required to cover total replacement of homes. The trend, though decades old, has been somewhat hidden. But climate-driven events that cause massive destruction, especially wildfires, are revealing just how pervasive and severe the problem has become.

The cost of home insurance in the United States rose by ~89% between 2014 and 2025, as rapidly climbing home prices, more frequent extreme weather events and inflation impacted insurers and homeowners. ICE analysts share key insights from their recent 10-year study into the forces propelling rising insurance costs across the nation. Over the past decade, home insurance costs have risen rapidly in many parts of the United States.

Water damage in your home is like an uninvited guest that leaves chaos in its wake. Whether it's a burst pipe, a leaky roof, or a flooded basement, the aftermath can feel overwhelming. But here's the good news: your home insurance is designed to help you recover. Filing a claim doesn't have to be a nightmare if you know the steps to take and the pitfalls to avoid.

Structurally bonded sliding doors offer attractive, ultra-slim designs but pose risks if glass needs replacement, as the entire frame will also need replacing.

"I was hoping we'd save a few hundred dollars at most, but it was much more than that," Kiernan told local news outlet WWL Louisiana.

"Given the ferocity of recent storms and the damage that extreme weather can inflict on people's homes and property, it is no surprise that storms now account for nearly one in five of home insurance claims."