US Home Insurance Claim Severity Hit Record High
US home claim severity rose 25.9% in 2025 as wildfire losses, repair inflation and peril shifts reshaped insurer loss trends
Home Insurance
Home insurance provides financial protection for a home and personal belongings against risks such as fire, theft, flooding and accidental damage, depending on the policy. Explore the latest home insurance news, property coverage, claims, premiums, underwriting, regulation and market developments affecting homeowners and insurers.
Florida Property Insurance Market Stabilizes as Claims and Lawsuits Decline
Florida’s property insurance market showed its clearest improvement in a decade, with the state’s share of US homeowners claims falling to 4.9% and lawsuits dropping to 41.3%
U.S. Private Flood Insurance Market Grows as Underinsurance Gap Narrows
US private flood insurance market is expanding, addressing the nation’s substantial gap between economic and insured losses from flood events
Rising Home Insurance Premiums and Uneven Recovery After California Wildfires
Six months after wind-driven wildfires killed 30 people and destroyed thousands of homes and businesses in and around Los Angeles, the scenes in Altadena and Pacific Palisades remain severe
Increasing Consumer Awareness Will Drive Private Flood Insurance Growth
Inland areas are increasingly vulnerable to flooding from both tropical storms and severe convective storms, yet the number of homeowners who purchase flood insurance
Homeowners Insurance Costs Dynamics, Trends and Forecast
The rise in U.S. homeowners insurance costs have been driven by a combination of increasing natural catastrophe losses and extraordinary inflation
U.S. Homeowners Insurance Claims for Lightning Losses
$1.2 bn in lightning-related homeowners insurance claims were paid to more than 70,000 policyholders in the U.S., with $194 mn attributed to Texas alone
Home Insurance in Florida: Lower Rate and Risk Crisis
Home insurance premiums in Florida rose at a much lower rate than originally projected in 2023 (80% less) and 2024 (60% less)
Renters Insurance Cost & Coverage. How to Save Money?
Beinsure presents a guide to renters insurance, analyzing insurance coverage and costs per month / year in the U.S.
Lightning-Caused U.S. Homeowners Insurance: Claims & Losses
$950 mn in lightning-caused U.S. homeowners insurance claims were paid out to 62,000-plus policyholders, with $125 mn of the total
Home Insurance Can Make Homeowners Resilient to Weather & Hurricane Loss
Homeowners Perception of Weather Risks report provides insights into trends, behavior and how experiencing a weather event impacts
Triple-I’s Recommendations When Tornado-Caused Property Damage Occurs
Policyholders should contact their insurer to obtain the assistance they need. Many claims-filing services are available via either a mobile app or online
U.S. Homeowners Insurance Results: Premium Growth & Underwriting Loss
U.S. homeowners’ insurance is poised to post a statutory underwriting loss for reported results, as insurers continue to face above-average catastrophe losses
UK Home Insurance Market Research: 70% of Consumers Considers Price First
According to UK Home Insurance Consumer Research, the first thing that a consumer looks at when choosing home insurance is price
How Homeowners Insurance Policy Can Protect Your Home? Cost & Coverage
Your standard homeowners insurance policy protects not only your home itself, but also items in your home like your clothes and furniture from common perils.
How to Save Money on Home Insurance and Reduce Insurance Policy Cost?
When the worst happens, you want to know you’ve got one of the best, most reliable insurance companies around covering your home
UK Motor & Home Insurance Losses Forecast
UK motor and home insurers expect to make largest annual loss in well over a decade this year, with further losses forecast in 2023
U.S. Home Insurers Have of the Highest Level of Catastrophe Exposure to Hurricane Ian
The nationwide homeowners insurance giants in the U.S. have some of the highest level of catastrophe exposure to hurricane Ian, which is currently forecast to reach Florida
US home claim severity rose 25.9% in 2025 as wildfire losses, repair inflation and peril shifts reshaped insurer loss trends
Florida’s property insurance market showed its clearest improvement in a decade, with the state’s share of US homeowners claims falling to 4.9% and lawsuits dropping to 41.3%
US private flood insurance market is expanding, addressing the nation’s substantial gap between economic and insured losses from flood events
Six months after wind-driven wildfires killed 30 people and destroyed thousands of homes and businesses in and around Los Angeles, the scenes in Altadena and Pacific Palisades remain severe