# Why Homeowners Insurance Keeps Going Up and What You Can Do About It

Page: https://stenobird.com/podcast/let-s-talk-chattanooga-real-estate-6720438/why-homeowners-insurance-keeps-going-up-and-what-you-can-do-about-it
Text version: https://stenobird.com/podcast/let-s-talk-chattanooga-real-estate-6720438/why-homeowners-insurance-keeps-going-up-and-what-you-can-do-about-it.md
Podcast: [Let's Talk Chattanooga Real Estate](https://stenobird.com/podcast/let-s-talk-chattanooga-real-estate-6720438)
Published: 2026-04-28T10:00:00+00:00
Episode link: https://chattanooga-real-estate.captivate.fm/episode/why-homeowners-insurance-keeps-going-up-and-what-you-can-do-about-it
Audio file: https://episodes.captivate.fm/episode/f3edb2af-7813-4c1c-9abf-5c737f46d3a1.mp3
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Duration seconds: 1030

## Resource

Episode Description Homeowners insurance costs have been rising fast, and many homeowners are feeling the pressure. In this episode, Blake Watson breaks down why premiums have increased so dramatically and what homeowners in the Chattanooga and Northwest Georgia area can do to manage and potentially reduce those costs. From understanding rebuild values to avoiding costly coverage mistakes, this episode offers practical strategies to protect your home and your finances. What You’ll Learn in This Episode Why homeowners insurance premiums have increased by nearly 70 percent in recent years How rising construction costs directly impact your insurance rates The role of severe weather and national risk trends in local premiums What reinsurance is and why it affects what you pay How stricter underwriting is changing the way homes are insured Key Strategies to Save Money Review and shop your insurance policy every year Compare bundled vs separate home and auto policies Evaluate whether raising your deductible makes financial sense Work with your insurance agent to adjust coverage and structure Smart Homeowner Upgrades That May Lower Risk Installing a new or more durable roof Adding monitored security systems Upgrading windows, doors, and electrical systems Improving drainage and storm resilience around your property Common Mistakes to Avoid Letting your policy auto renew without review Switching from replacement cost to actual cash value coverage Underinsuring your home based on market value instead of rebuild cost Overlooking exclusions like sewer backup or flood damage Important Coverage Insights Replacement cost coverage helps fully restore your home after a loss Actual cash value policies may leave you paying large out of pocket costs Flood insurance may be worth consideri…

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