{"id":11,"date":"2026-09-21T10:00:00","date_gmt":"2026-09-21T10:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/guerreroins-com\/2026\/09\/21\/home-insurance-is-rising-faster-than-home-values\/"},"modified":"2026-09-21T10:00:00","modified_gmt":"2026-09-21T10:00:00","slug":"home-insurance-is-rising-faster-than-home-values","status":"publish","type":"post","link":"https:\/\/www.guerreroins.com\/blog\/2026\/09\/21\/home-insurance-is-rising-faster-than-home-values\/","title":{"rendered":"Home Insurance Is Rising Faster Than Home Values"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/troy-guerrero\/why-has-home-insurance-gone-up-so-much-remotion-videos-62be\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Lately, we\u2019ve all noticed that home insurance premiums are rising more quickly than home values themselves. It\u2019s not just about the value of your house anymore\u2014factors like rebuilding costs, recent catastrophe losses, and changes in reinsurance pricing are driving these increases across California and the rest of the country. While some signals in the industry are finally showing signs of stabilizing\u2014one major ratings agency has even shifted its outlook to stable, thanks to premium growth slowing and catastrophe reinsurance costs starting to ease\u2014costs remain high. In fact, one national tracker projects the average new home insurance premium could hit about $3,100 by 2026.<\/p>\n<p>Another trend we\u2019re seeing is that insurance carriers are shifting more initial risk to homeowners, which means higher deductibles are becoming a bigger part of the affordability conversation. When we talk with clients at Guerrero Insurance Agency, we break it down simply: insurance premiums aren\u2019t just about what your home is worth. They reflect the cost to rebuild, the risk of disasters, and how much risk insurers are transferring back to policyholders. Our aim is always to guide you through these shifts, so you feel confident in your coverage decisions\u2014especially in a challenging insurance landscape like California\u2019s.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Lately, we\u2019ve all noticed that home insurance premiums are rising more quickly than home values themselves. It\u2019s not just about the value of your house anymore\u2014factors like rebuilding costs, recent catastrophe losses, and changes in reinsurance pricing are driving these increases across California and the rest of the country. While some signals in the industry [&hellip;]<\/p>\n","protected":false},"author":151,"featured_media":23,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-11","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.guerreroins.com\/blog\/wp-json\/wp\/v2\/posts\/11","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.guerreroins.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.guerreroins.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.guerreroins.com\/blog\/wp-json\/wp\/v2\/users\/151"}],"replies":[{"embeddable":true,"href":"https:\/\/www.guerreroins.com\/blog\/wp-json\/wp\/v2\/comments?post=11"}],"version-history":[{"count":0,"href":"https:\/\/www.guerreroins.com\/blog\/wp-json\/wp\/v2\/posts\/11\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.guerreroins.com\/blog\/wp-json\/wp\/v2\/media\/23"}],"wp:attachment":[{"href":"https:\/\/www.guerreroins.com\/blog\/wp-json\/wp\/v2\/media?parent=11"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.guerreroins.com\/blog\/wp-json\/wp\/v2\/categories?post=11"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.guerreroins.com\/blog\/wp-json\/wp\/v2\/tags?post=11"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}