National Quotes' research has shown that due to unpredictable weather, many insurance providers across the nation are raising home insurance coverage an estimated 10-percent.

According to Melissa Fox, spokeswoman for Pennsylvania's state insurance department, rates have already increased by 8.94 percent for the first two quarters, which is almost double the previous year’s 5.07-percent increase.

"The department is noticing an upward trend. This trend is not specific to Pennsylvania – all states are experiencing the same thing," reported Fox.

Richard Stoner, a resident of Westmoreland County, stated that after 2011's tornado damaged his home, his insurance rates increased. "After the tornado hit, I had to have the roof replaced. I'm probably paying about another $200 a year now because of it," he said.

According to the Insurance Information Institute (III), the average home [b]insurance coverage[/b] premium averaged $791 in 2008. This year, national rates are projected to increase by an average of 5 to 6 percent due to severe weather, repair costs, and high claims, forcing the average national premium over $1,000.

Wildfires, wind damages, hail, snow, and ice are a huge reason behind the increase in home insurance rates in Oklahoma. Robert Hartwig, president of the III, explained, "Weather is becoming more volatile and severe, and the cost associated with those claims is going up."

NationalQuotes has learned that in Missouri and Alabama, tornado damage required insurance brokers to pay out a total of $35.9 billion for catastrophic losses in 2011, versus the $23.8 billion average previously paid per year.

North Carolina homeowners are expecting to see a potential 18-percent increase in 2013, which would take effect on any renewed or purchased policy starting in June.

"It was a justifiable rate increase. Customers have seen firsthand the damage these recent storms have caused," reported Joe Vahey, vice president of Pennsylvania’s Erie Insurance.

To help reduce home insurance rates, experts suggest purchasing a higher deductible plan, which decreases the annual rate but increases the homeowners’ out-of-pocket expenses. NationalQuotes.com recommends for homeowners to research their home insurance policies and request multiple [b]home insurance quotes[/b] to ensure proper coverage at an affordable rate.