Insurance Guides & Analysis
In-depth guides on homeowners insurance costs, market trends, and what the data means for you. All analysis is based on U.S. Treasury Federal Insurance Office data covering 25,593 ZIP codes (2018-2022).
Why Is My Homeowners Insurance So Expensive?
Data shows your ZIP code matters more than you think. We break down the 100x premium gap between the cheapest and most expensive ZIP codes in America.
Homeowners Insurance Costs by State
A state-by-state breakdown of average premiums, regional patterns, and which states saw the biggest cost increases from 2018 to 2022.
What Is a Loss Ratio?
The single most important number in insurance — explained with real data. Learn what loss ratios mean for your premiums and your neighborhood.
The Insurance Nonrenewal Crisis
Where insurers are pulling out and why. An analysis of nonrenewal rate data showing which states and ZIP codes are losing coverage.
Disclaimer: This content is for informational purposes only and is not insurance advice. Data comes from the U.S. Treasury Federal Insurance Office and may not reflect current market conditions. Always consult a licensed insurance professional for coverage decisions.
Methodology
Our guides are based on publicly available data from authoritative government sources. All statistics, ratings, and figures cited in these guides are drawn directly from official datasets and publications, with sources clearly referenced throughout.
We aim to present complex government data in plain language that is accessible to general audiences. When methodologies differ between data sources or change over time, we note these variations inline. Our editorial process includes regular reviews to ensure accuracy and timeliness of the information presented.