Why are home insurance costs up so much?

Carriers writing policies in Georgia have raised prices to keep pace with higher rebuilding costs, more expensive reinsurance and a run of severe weather claims across the Southeast in recent years. An individual home's roof age, claims history and even its distance from a fire station can move its quote further than the statewide trend alone. Some insurers have also tightened underwriting, declining renewals on homes with older roofs. Get a fresh quote at renewal instead of assuming last year's price still applies.