Insurance agent Michelle Mosher, owner of South Shore Insurance, can’t think of one time in the last two years when she delivered good news to one of her clients when it comes to their policy renewal. Property insurance this year spiked to record levels. According to the Insurance Information Institute, the average homeowner is paying $6,000 in premiums. Century 21 Realtor Lisa Weiss is among those who said their rates have doubled in the last one to two years.