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For five straight years, home insurance has been a one-way trip: up, up, up. The national average is about to cross $3,000 a year for the first time — roughly $900 more than you paid in 2021 (2). In Florida, where I live, the typical bill has hit an eye-watering $8,292 (2).
But something just changed, and almost nobody’s talking about it.
A brand-new industry report shows the market is finally turning: in the first half of 2026, a record 11.7% of…
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