Why Your Home Insurance Premium Increased by 20% – Even If Only Your Neighbor’s House Burned Down
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JULY 31, 2025
Surcharge logic: Insurers tend to base rate increases on recent claim history, commonly reviewing the last 3–5 years, though the CLUE report can extend up to 7 years. In California , widespread wildfires led to tens of thousands of policy non-renewals. Some state filings limit the visible period to avoid penalizing older events.
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