The pace of rising home insurance premiums continued to moderate in the first half of 2026, as the share of homeowners who saw lower policy renewal rates rose, according to an industry analysis published Thursday. The digital insurance brokerage revealed the findings after reviewing roughly 3 million quotes and policies sold during the first half of the year. While a fixed-rate mortgage locks in monthly principal and interest payments, homeownership costs like insurance and taxes are variable. Renewals averaged only 10.6% growth in the first half of 2026, attributable to more competition between carriers and the absence of any major hurricanes hitting the U.S. in 2025, Matic observed. “The challenge ahead will be finding ways to balance affordability for homeowners with the need for a financially sustainable insurance market,” added Matic.