{"id":6814,"date":"2025-09-10T08:49:33","date_gmt":"2025-09-10T12:49:33","guid":{"rendered":"https:\/\/www.deeds.com\/articles\/?p=6814"},"modified":"2025-09-10T08:49:37","modified_gmt":"2025-09-10T12:49:37","slug":"buyers-dont-forget-to-include-homeowners-insurance-in-your-budget","status":"publish","type":"post","link":"https:\/\/www.deeds.com\/articles\/buyers-dont-forget-to-include-homeowners-insurance-in-your-budget\/","title":{"rendered":"Buyers: Don\u2019t Forget to Include Homeowners\u2019 Insurance in Your Budget"},"content":{"rendered":"\n
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The rising cost of home insurance is \u201cwhere climate change meets the average American\u2019s pocketbook.\u201d<\/em><\/p>\n\u2014Forrest Bennett, Oklahoma legislator and insurance agent, as quoted in The New York Times<\/cite><\/blockquote>\n\n\n\n

If you\u2019re like many home buyers, you\u2019ll be glad to be getting a mortgage. It signifies the ability to build equity and break free of a situation where rent could be jacked up every year. If all goes well, buying a home can help bring the deed holder to financial freedom<\/a>.<\/p>\n\n\n\n

So you confidently sign a purchase agreement. Then comes the insurance estimate, and suddenly you know you have to budget for yet another rising cost.<\/p>\n\n\n\n

Don\u2019t forget, when browsing those real estate websites, that the monthly mortgage payment estimate doesn\u2019t tell the whole story. Insurance is one of those \u201cextras\u201d that you\u2019ll be funding through your escrow account. And it could rise, steeply.  <\/p>\n\n\n\n\n\n\n\n

Many homeowners with mortgages have escrow accounts. Monthly, these deed holders pay a mortgage servicer, and the servicer then pays <\/strong><\/em>local taxes<\/em><\/strong><\/a> and insurance premiums out of escrow. This way, lenders can be assured that all housing costs are paid, so their collateral is covered.<\/strong><\/em><\/p>\n\n\n\n

Earthquakes and Floods, Windstorms and Wildfires<\/h2>\n\n\n\n

Let\u2019s be frank. Industry professionals cannot tell us what is going to happen. They can only say that our destabilized climate will manifest itself through costlier damage as this century unfolds.<\/p>\n\n\n\n

But there are some things we do know. Heavy storms, earthquakes and wildfires, as many of our readers can acknowledge from personal experience, wreak serious havoc on property.<\/p>\n\n\n\n

Especially in places that get a lot of tornadoes or hailstorms, roofs aged 10+ years are extremely costly to insure. Some companies are excluding roof damage from their standard homeowners\u2019 policies.<\/p>\n\n\n\n

Watch for this when you shop for homes. Your lender might want to know if the seller will get that worn-down roof replaced before closing. Looking ahead, you might speak with your agent about placing that contingency in your purchase agreement.<\/p>\n\n\n\n

Tip for deed holders:<\/em><\/strong> Be sure to have adequate coverage in place for potential sewer and septic system flood issues. Some companies leave this out of their standard policies.<\/p>\n\n\n\n

Explaining the Hikes That Defy Explanation<\/h2>\n\n\n\n
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The premium hikes aren\u2019t arbitrary. Climate impacts are extraordinarily expensive. And now, more than 25% of all U.S. homes \u2014 representing $12.7 trillion in real estate<\/a> \u2014 is subject to some kind of \u201csevere or extreme climate risk,\u201d like floods, hurricanes, and wildfires, says a report by economist Jiayi Xu for the new REALTOR.com\u00ae Climate Risk Report.<\/em>\u00a0<\/p>\n\n\n\n

But why does the typical Oklahoma deed holder pay nearly $3K, while across the state line, the typical Arkansas owner pays under $2K? Could it be possible that homeowners in some states are paying more than their fair share, while homeowners in other states are escaping the worst of the rate hikes?<\/p>\n\n\n\n

It could indeed. Research discussed in The New York Times <\/em>last summer found out how much depends on a given state\u2019s laws and standards. Some states fight off rate hikes. Others do not. \u201cOklahoma\u2019s current insurance commissioner has never blocked an insurers’ rate increase,\u201d the Times<\/em> reported. Alabama, Louisiana, and Texas also tend to give companies plenty of leeway to raise rates. Therefore, residents of those states could be paying premiums equal to or higher than 2% of area property values.<\/p>\n\n\n\n

On the bright side, Oklahoma has begun offering funds to homeowners for replacing their roofs with hail-proof materials. This should help keep claims (and everyone\u2019s costs) down.  <\/p>\n\n\n\n

Tip for deed holders:<\/em><\/strong> You can check with a broker who can look for various available rates. The broker gets paid by the companies, not by you. Not all insurance companies are the same, and most won\u2019t inform you when a better rate becomes available unless you raise questions.<\/p>\n\n\n\n

Dropping the Customers Who Need Insurance Most?<\/h2>\n\n\n\n

Insurance companies are declining to issue new policies in California, where rates are strictly regulated and fire risk looms large. Those deed holders who already have policies are at risk of losing them, or watching their premiums shoot up \u2014 sometimes doubling in just a few years.<\/p>\n\n\n\n

California requires insurers to notify customers at least 75 days in advance<\/a> of dropping them. That\u2019s not much notice, given the attention and time needed to find replacement insurance. If California\u2019s governor declares a wildfire event is a state of emergency, companies do have to abide by a waiting period of up to 24 months before ditching impacted policy holders.<\/p>\n\n\n\n

One company, the QBE Insurance Corporation, has recently told the state it will drop 37,000+ California customers and stop insuring homes. The point, says the company, is to generate better profits \u2014 which dipped in 2024 on account of the Los Angeles wildfires. The Palisades and Eaton wildfires racked up higher costs than any previous fires. Claims could reach $40 billion in total.<\/p>\n\n\n\n

Also last year, businesses owned by Tokio Marine Holdings announced plans to stop insuring homes and focus on the commercial side of the business. And Crestbrook, part of Nationwide Mutual Insurance Company, began its exit from California as well, reports the San Francisco Chronicle<\/em>.<\/p>\n\n\n\n

The New York Times<\/em> has been tracking insurance non-renewals since December, calling the mapping of places where policies aren\u2019t renewed \u201ca key predictor of the disruption to come.\u201d You can explore this factor state by state with this mapping tool<\/a>.<\/p>\n\n\n\n

Tip for deed holders:<\/em><\/strong> Customers who are dropped can often find policies from other companies, but these policies (or the car insurance they\u2019re bundled with to get the lowest premiums) could be a lot pricier. Here again, calling an independent insurance broker for help could pay off.<\/p>\n\n\n\n

Boiling It All Down<\/h2>\n\n\n\n

This year, property values are calming down \u2014 even stalling out. Normally, that would mean a buyer\u2019s market has arrived. But the other \u201cextras\u201d a buyer pays add up. The cost of insuring a home, for one, has risen dramatically in the past few years. The price of a policy premium is significantly outpacing inflation. And in some states, insurers are getting away with charging more than they do in places where disaster damage is far more costly.<\/p>\n\n\n\n

Nevertheless, homeownership is still better financially for many people. After all, insurance costs have to be paid for, whether we rent or own.<\/p>\n\n\n\n

Please note that Deeds.com<\/em> does not dispense financial advice. Mortgage consultants and personal financial advisers are the ones to ask for individualized guidance on insurance and money matters.<\/p>\n\n\n\n

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Supporting References<\/strong><\/p>\n\n\n\n

Megan Fan Munce for the San Francisco Chronicle<\/em>: California Home Insurer to Drop 37,000 policies as Part of Nationwide Withdrawal<\/a> (Sep. 4, 2025; published by Hearst Communications, Inc.).<\/p>\n\n\n\n

Christopher Flavelle and Mira Rojanasakul for The New York Times: <\/em>See Where Home Insurance Policies Were Dropped in Your State<\/a> (Dec. 18, 2024). See also Christopher Flavelle and Mira Rojanasakul: <\/em>Climate Change Upending Home Insurance Home Insurance Rates in America Are Wildly Distorted. Here\u2019s Why<\/a> (Jul. 8, 2024; with data from Keys and Mulder for the National Bureau of Economic Research, Corelogic, state regulations, FEMA, First Street Foundation, and other sources).<\/p>\n\n\n\n

And as linked.<\/p>\n\n\n\n

More on topics: Climate, weather, and insurance<\/a>, Insurance and other \u201cextra\u201d costs home buyers pay<\/a><\/p>\n\n\n\n

Photo credits: Public domain photo via Pixahive by Sukhjinder Singh<\/a>; and Olia Danilevich<\/a>, via Pexels\/Canva.<\/p>\n<\/div>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

The rising cost of home insurance is \u201cwhere climate change meets the average American\u2019s pocketbook.\u201d \u2014Forrest Bennett, Oklahoma legislator and insurance agent, as quoted in The New York Times If you\u2019re like many home buyers, you\u2019ll be glad to be getting a mortgage. It signifies the ability to build equity and break free of a […]<\/p>\n","protected":false},"author":2,"featured_media":6815,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[131],"tags":[2768,2764,2767,2763,1873,2770,2769,485,2766,2765],"class_list":["post-6814","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate","tag-california-insurance-crisis","tag-climate-change-and-insurance","tag-climate-risk-and-real-estate","tag-home-buying-budget","tag-homeowners-insurance","tag-insurance-policy-nonrenewals","tag-insurance-rate-hikes","tag-mortgage-escrow","tag-oklahoma-insurance-rates","tag-rising-insurance-costs"],"yoast_head":"\nBuyers: Don\u2019t Forget to Include Homeowners\u2019 Insurance in Your Budget - Deeds.com<\/title>\n<meta name=\"description\" content=\"Homebuyers face rising homeowners insurance costs. 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