US home insurance premiums are set to rise for a fifth straight year in 2026 as insurers grapple with losses from extreme weather and high rebuilding costs.

There is a growing body of research connecting extreme weather, exacerbated by climate change, to insurance price increases.

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If you own a home, eventually you’re going to experience some breakdowns, damage and disrepair. Homes tend to age quietly but expensively, and needed fixes can cluster at the worst times. If you’re ...