Homeowners from North to South and East to West are seeing their insurance rates increase. (©digitalfoto105/Adobe Stock) Homeowners from North to South and East to West are seeing their insurance rates increase. Home repair and replacement costs have also risen significantly in the past few years. (©digitalfoto105/Adobe Stock)

While 2020 was a disruptive year — to say the least — for property & casualty insurance, one thing remained constant: It marked the continuation of a hardening market.

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