{"version":"2026-home-insurance-reshop-gap","name":"SwitchWize Home Insurance Reshop Gap","asOf":"2026","citeAs":"SwitchWize, \"Home Insurance Reshop Gap (2026).\" Retrieved 2026.","sourcePage":"https://www.switchwize.com/home-insurance","nationalAvgPremiumLowUsd":1700,"nationalAvgPremiumHighUsd":2500,"premiumInflationSince2021Pct":46,"overallInflationSince2021Pct":16,"reshopSavingsPctLow":10,"reshopSavingsPctHigh":25,"reshopSavingsAnnualUsd":500,"highToLowStateSpreadMultiple":3,"stateTiers":[{"tier":"Highest cost","states":"Florida, Louisiana, Texas, Oklahoma","driver":"Hurricanes, wind, hail","annualPremiumLowUsd":2800,"annualPremiumHighUsd":5000},{"tier":"Higher cost","states":"Colorado, Kansas, Nebraska, parts of California","driver":"Hail, tornado, wildfire","annualPremiumLowUsd":2200,"annualPremiumHighUsd":3500},{"tier":"Near average","states":"Georgia, North Carolina, Tennessee, Missouri","driver":"Mixed regional storm risk","annualPremiumLowUsd":1600,"annualPremiumHighUsd":2400},{"tier":"Lower cost","states":"Ohio, Pennsylvania, Wisconsin, Oregon","driver":"Limited catastrophe exposure","annualPremiumLowUsd":900,"annualPremiumHighUsd":1600},{"tier":"Lowest cost","states":"Vermont, New Hampshire, Delaware, Utah","driver":"Low concentrated catastrophe risk","annualPremiumLowUsd":700,"annualPremiumHighUsd":1300}],"sources":[{"label":"Insurance Information Institute","url":"https://www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance"},{"label":"NAIC","url":"https://www.naic.org/"}],"methodology":"National premium range, inflation figures, and re-shop savings range are drawn from Insurance Information Institute and NAIC published data as of 2026. State tiers are illustrative risk-driven groupings, not quotes for any specific home — see the sourcePage for full context and caveats."}