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Why home insurance rates are rising so fast across the US – climate change plays a big role

  • Written by Andrew J. Hoffman, Professor of Management & Organizations, Environment & Sustainability, and Sustainable Enterprise, University of Michigan
Why home insurance rates are rising so fast across the US – climate change plays a big roleThe U.S. has seen a large number of billion-dollar disasters in recent years.AP Photo/Mark Zaleski

Millions of Americans have been watching with growing alarm as their homeowners insurance premiums rise and their coverage shrinks. Nationwide, premiums rose 34% between 2017 and 2023, and they continued to rise in 2024 across much of the country.

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