Why are home insurance premiums jumping?

Insurers have raised premiums across Georgia in response to rising rebuilding costs, more frequent severe-weather claims and higher reinsurance costs passed down to homeowners. Roof age, prior claims and a home's distance from a fire hydrant or station can move an individual quote as much as the broader trend does. Some carriers have also pulled back from writing new policies in higher-risk areas, which narrows competition further. Compare several carriers at each renewal instead of assuming one company's increase reflects the whole market.