Home insurance premium increase calculator
Enter your old and new annual premium to see the increase in dollars, as a percent, and per month. The math runs in your browser and nothing is stored or sent. In Utah, if a premium rises more than 20 percent because of wildfire risk, you can ask the insurer for the facts behind it.
A big jump is a reason to shop, not just to pay. An independent broker can compare several carriers.
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- Use the annual premium from each declarations page.
- Compare deductibles too. A lower price with a much higher deductible is not a saving.
- If the increase is large, ask your insurer what drove it.
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Calculate your increase
Enter both amounts to see the change.
Runs only in your browser. Nothing you enter is saved or sent.
Editorial standards: written from state insurance department rules and statutes, cited on each page
Last updated November 3, 2026 · Rules change often; we update state pages monthly.
FAQ
How do I calculate the percent increase in my insurance premium?
Subtract the old premium from the new one, divide by the old premium, and multiply by 100.
Why did my homeowners insurance go up so much?
Common drivers include rising rebuild costs, area catastrophe risk such as wildfire or hail, your claims history and roof age. Ask your insurer for the specific reason.