Many Minnesota homeowners have been surprised this year to see a significant premium increase when they open their homeowner’s insurance statement. Some recent news articles have explored why. While average auto insurance premiums have been trending down over the last few years thanks to safer cars, fewer miles driven and far fewer accidents, homeowners’ insurance rates have done the opposite. After decades of being a low cost state for property insurance, we’ve made a dramatic turn in the wrong direction. Thankfully, there are ways to reverse this trend through simple legislative changes that most other states have already enacted.