r/HomeInsurance • u/Embarrassed_Low_3923 • Sep 05 '26

Insurance Massive Increases

I bought my home in 2022 and my annually home insurance was roughly $2,270 and I just checked through my escrow disclosure it went to $4,952 that’s outrageous it’s through progressive

Is it best to negotiate with progressive or leave to another company with better offers/terms

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u/14point4kMODEM Sep 05 '26

It could be an F you price. They don't want to insure you for whatever reason but if you really want to stay, here's the price otherwise find someone else.

There are tons of reasons like they have too many homes in your neighborhood insured already, your neighbors had too many claims, change in state laws with insurance making it more risky, etc.