A leading real estate market publication is reporting homeowners insurance premiums are substantially increasing. The average policy rose approximately 20% over the 24 months. In particular what the insurance providers determine as high risk zones Most people think of high risk zones as potential flood areas. But, it’s not just high flood areas affecting policies there are increasingly more sub categories of high risk zone. One example being “high heat”. The increase in H.O. Insurance policies are negatively affecting how much many home buyer prospects can spend on a home.