Yes, you can expect your property insurance premiums to increase due to climate change. Rising global temperatures are driving more frequent and severe weather events such as hurricanes, wildfires, and floods, increasing the risk for insurers. To compensate for higher claims payouts, insurers are raising premiums, tightening policy terms, or even withdrawing coverage in high-risk areas. Coastal regions, wildfire-prone zones, and floodplains are particularly affected. Additionally, inflation and rebuilding costs contribute to premium hikes. Some governments and insurers are adopting climate risk models, leading to more precise but often higher pricing. In extreme cases, homeowners may need to seek state-backed insurance or self-insure. While mitigation efforts like better construction standards and risk-reducing measures (e.g., fire-resistant materials or flood barriers) may help lower premiums, the overall trend suggests continued increases. To manage costs, homeowners should explore discounts, bundling policies, and investing in resilience improvements.