Your Home Insurance
Costs Too Much.
We Can Fix That.
Homeowners insurance premiums have surged 64% since 2021 — and that increase is quietly inflating your monthly mortgage payment. Panel Insurance's Property & Casualty specialists will review your current policy and find you a better rate, without sacrificing the coverage your home deserves.
Request Your Free Policy Review
Takes less than 2 minutes. No obligation.
The Numbers Don't Lie
Why Property Owners Are Acting Now
Premium increase since 2021
Newrez / Matic 2025
Average savings when switching carriers
Newrez / Matic 2025
Average annual homeowners premium nationally
LendingTree 2025
Of homeowners saw a premium increase last year
Realtor.com Survey
The Market Reality
Your Premium Is Rising.
Your Coverage May Not Be.
Since 2022, homeowners insurance premiums for new policies have increased by 45%, while the average Coverage A (dwelling replacement cost) has grown by less than 12%. That means millions of homeowners are paying significantly more for proportionally less protection — while their monthly mortgage escrow payment quietly climbs.
Climate-related losses, rising construction costs, tariffs on building materials, and regulatory changes have all contributed to this environment. But here is what the industry does not advertise: carriers price risk differently, and a competitive review of your policy can often uncover meaningful savings without reducing your protection.
Escrow Relief
Lower premiums reduce your monthly mortgage escrow payment — immediate, recurring savings.
Coverage Audit
We review your current policy for gaps, overlaps, and deductible strategies that could save you money.
Multi-Carrier Access
We compare rates across multiple licensed carriers to find the best fit for your property and risk profile.
Bundle Opportunities
Combining home and auto with the same carrier can unlock discounts of 10–25% on both policies.
Did You Know?
Over half of homeowners with mortgages now report that insurance and taxes consume more than 50% of their monthly payment.
Real Results
What Homeowners Are Saving
These examples reflect realistic savings scenarios based on published industry data and typical outcomes from competitive policy reviews. Individual results vary based on property, location, coverage selections, and carrier eligibility.
The Martinez Family
Tampa, FL · Single Family Home
Before
$4,200/yr
After
$3,050/yr
Annual Savings
$1,150
≈ $96/month off escrow
Switched carriers after a coverage audit revealed they were over-insured on personal property and eligible for a wind-mitigation credit.
David & Priya Chen
Atlanta, GA · Single Family + Auto Bundle
Before
$3,600/yr
After
$2,580/yr
Annual Savings
$1,020
≈ $85/month off escrow
Bundled home and auto with a new carrier. The multi-policy discount alone reduced their combined annual premium by over $1,000.
Robert Okafor
Dallas, TX · Rental Property
Before
$2,800/yr
After
$1,975/yr
Annual Savings
$825
≈ $69/month off escrow
A deductible adjustment and carrier switch on a rental property reduced the annual premium while maintaining full replacement cost coverage.
Industry Benchmark
"Homeowners who switched carriers saved an average of $928."
— Newrez / Matic 2025 Study, based on analysis of 1.2 million mortgage-serviced loans where prior premium data was available.
Simple Process
How Your Free Review Works
Submit Your Request
Fill out the short form with basic property information. No policy documents required at this stage.
Specialist Review
A licensed Panel Insurance P&C specialist reviews your current coverage, premium, and property profile.
Comparison Report
We shop your risk across multiple carriers and present options that meet or exceed your current coverage.
You Decide
No pressure. If we find a better option, we handle the switch. If not, you keep your current policy with peace of mind.
Your Advantage
A Licensed Specialist,
Not an Algorithm
Panel Insurance's Property & Casualty division pairs you with a licensed specialist who understands your local market, your mortgage structure, and the nuances of carrier underwriting. Unlike online comparison tools that generate generic quotes, we build a complete picture of your risk profile before recommending any change.
We review your dwelling replacement cost, liability limits, deductible strategy, wind and flood exposure, claims history, and bundle opportunities — then present options that make financial sense for your specific situation.
Client Voices
What Our Clients Are Saying
"I had no idea my insurance was inflating my mortgage payment by over $90 a month. Panel Insurance found me a better policy in less than a week. That's over $1,000 a year back in my pocket."
Marcus T.
Homeowner, Orlando, FL
"They didn't just find me a cheaper quote — they explained exactly what I was giving up and what I was keeping. I felt informed, not pressured. Ended up saving $780 a year with better liability coverage."
Sandra K.
Homeowner, Charlotte, NC
"As a landlord with three properties, I was paying way too much. Panel Insurance reviewed all three policies, bundled two of them, and cut my total insurance spend by nearly $2,400 annually."
James O.
Rental Property Owner, Houston, TX
Common Questions
Frequently Asked Questions
Ready to Save?
Stop Overpaying for Insurance.
Start Today.
With homeowners insurance premiums up 64% since 2021, there has never been a better time to review your coverage. A 15-minute conversation with a Panel Insurance specialist could put hundreds — or thousands — of dollars back in your pocket every year.
No obligation · No spam · Licensed specialists