Home Insurance Nonrenewals Jump Up to 216% as Premiums Climb
NAIC data show home insurer nonrenewals rose 96%-216% since 2018 and premiums jumped, as power, heating oil and repair costs also squeeze owners.
Home energy rebates are financial incentives that help households cut the cost of making their homes more efficient or switching to cleaner equipment. Federal agencies, state energy offices, and local utilities offer them in several forms, including point-of-sale discounts, mail-in rebates, tax credits, and income-qualified assistance. Common targets include heat pumps, insulation, air sealing, efficient water heaters, smart thermostats, and electrical panel upgrades.
Household energy costs are under pressure from several directions. Utilities are asking regulators for rate increases, and winter heating forecasts point to higher bills for many families, especially those who rely on heating oil. Price trends also differ by fuel, so whether a home burns oil, uses natural gas, or runs on electricity can shape both its monthly bills and the economics of an upgrade.
Rebate programs are changing too. Some are expanding, others are shrinking or winding down, and eligibility rules can vary widely by state and income. For homeowners and renters, knowing which incentives exist, and how long they will last, can significantly change the payback on a new furnace, heat pump, or weatherization project.
This hub tracks:
Check back for ongoing coverage as prices, policies, and programs evolve.
NAIC data show home insurer nonrenewals rose 96%-216% since 2018 and premiums jumped, as power, heating oil and repair costs also squeeze owners.
Investor-owned utilities requested a record $4.5B in electric and gas rate hikes in Q3 2026, pushing 2026 requests to $23.1B as winter heating costs rise.
EIA projects heating oil bills up 21% to $2,115 this winter and electric heating up 4%, while natural gas and propane households should pay less.
NEADA now projects heating oil costs up 50% this winter, adding about $1,000 for New England homes, as electric bills climb and gas forecasts split.
EIA forecasts that oil-heated homes will spend 21% more this winter, about $2,115. Electric heating bills rise 4% while gas spending falls 9%.
Gas-heated US homes face bills down ~10-14% this winter while electric-heat costs rise, federal energy tax credits have expired, and remodeling costs outpace