Premium increase

Did your home insurance premium go up?

Before you shop around or switch, know what you're paying for now. Renewals can also bring changes to deductibles or coverage that are easy to miss.

Worth a closer look

• Whether any deductible changed, including a percentage wind or hail deductible
• Whether your roof is paid at replacement cost or actual cash value
• Endorsements that were added or removed at renewal
• Whether your dwelling limit changed, and what it's based on

Rate and renewal rules vary by state. Find your state's insurance department

Educational only, not insurance advice. Your policy always governs. Questions you may want to ask your licensed agent are included in every report.