2026 Home Insurance Tracker

Your renewal went up. Make the pattern visible.

Enter two annual premium amounts. Get a private receipt now and help unlock anonymous state-level comparisons for homeowners.

No address No ZIP code No documents Removal code

Panic Button

Is my renewal increase normal?

Run a quick triage before you renew, cancel, or shop on price alone.

Check my increase

Dropped Coverage

My insurer will not renew.

Get a state-specific next-step list and official consumer links.

Open help center

Homebuyer Check

Do not close blind.

Check roof, hazard, deductible, and quote risks before closing math feels final.

Build buyer checklist

Get Your Rate Receipt

What changed on your 2026 notice?

RateReceipt accepts homeowner reports in priority U.S. insurance markets. You can report a premium change, nonrenewal, coverage restriction, or deductible increase.

See the experience without sending any information.

State What do you want to report?

Premium changes are included in state medians after the privacy threshold. Other insurance issues are tracked separately.

Last year's annual premium $ New annual premium $

Renewal month

Enter your two premiums to preview your annual change.

Manage your contribution

Save this removal code. It is the only way to remove your anonymous report later.

Remove a report or issue using a saved code

Paste a removal code issued after a previous submission.

RATE RECEIPT

Your anonymous result appears here.

Contributed receipts can be downloaded as share cards, without displaying your raw premiums.

Public Tracker

All 50 states. Privacy-first reporting.

A state median is published only after enough qualifying anonymous reports are available. Unusual outliers are held out of aggregates.

Availability Watch

Premiums are not the only signal.

Nonrenewals, deductible changes, and coverage restrictions are tracked separately from premium medians so the public data stays readable.

0 coverage issue reports received State issue breakdowns publish after the privacy threshold.

Nonrenewal Insurer declined to renew or dropped coverage. Reported separately from price changes.

Restrictions Coverage terms, exclusions, or roof settlement changed. Useful signal before shopping only on price.

Anonymous Story Wall

What homeowners are seeing, without names or addresses.

Share a controlled, no-free-text story so other homeowners can spot patterns without exposing insurer names, policy numbers, ZIP codes, or personal details.

Loading stories... Anonymous story cards will appear here.

State What happened? Increase range Renewal month What are you doing next?

Why This Exists

Renewal notices arrive privately. The pattern should not.

RateReceipt collects minimal, self-reported premium changes and turns them into aggregate public signals. It does not provide quotes, rank insurers, or recommend coverage.

Enter annual totals, never a policy document.

Keep your removal code to control your contribution.

Share only the percentage card if you choose.

Facing A Renewal Increase?

Understand your notice before making a decision.

Interactive renewal tools Home insurance renewal guides Consumer resources and official links How the tracker calculates results What data we collect and delete

State Alerts

Want to know when your state has enough reports?

Leave an email for a privacy-light alert. We use it only for RateReceipt state tracker updates and do not sell it.

Methodology & Privacy

Designed to collect less.

Self-reported data

Values come from homeowners and are not independently verified. Results describe submissions, not every policy in a state.

Information collected

State, renewal month, and two annual premium totals. No name, address, ZIP code, insurer name, document, or account.

Publication rule

State summaries appear after 10 qualifying reports. A removal code lets contributors delete their entry.