Hurricane Isaias threatens billions in insured losses for Florida insurers
Hurricane Isaias threatens billions in insured losses as Florida insurers face new claims, wind and flood coverage disputes, and higher catastrophe exposure
Home Insurance News
Stay informed with Home Insurance News Today from Beinsure, covering homeowners insurance, home insurance rates, pricing, underwriting, claims, regulation and market trends. Follow wildfire insurance, home claims, catastrophe losses, FAIR Plans and property insurance regulation affecting homeowners and insurers. Track coverage availability, premiums, deductibles, rebuilding costs, severe weather, climate risks and insurer capacity, with expert insights, market data and industry developments shaping residential property insurance, affordability, risk management and homeowner protection across the United States.
Tropical Storm Rachel hurricane updates: California floods and damage
Tropical Storm Rachel hurricane brings flash floods, damaging surf and strong winds to Southern California, forcing Long Beach evacuations and threatening San Diego
Panama earthquake of 7.7 triggers tsunami warnings and damage
A preliminary 7.7 Panama earthquake damaged buildings, halted metro service, shut schools and prompted tsunami warnings across the region
Insurtech Lemonade launches renters insurance in Hawaii
Lemonade expands renters insurance to Hawaii with AI-powered claims and rates starting at $5 monthly, as LMND stock valuation and profitability remain in focus
The Zebra partners with Annex to expand homeowners and flood insurance access
The Zebra integrates Annex’s homeowners and flood insurance products, helping agents place coastal, wildfire and flood risks through a digital quoting platform
Blue Zebra launches Landlord Essentials insurance product
Blue Zebra launches Landlord Essentials, offering contents, rent default and landlord liability cover where building insurance is arranged separately
Aviva CEO Amanda Blanc calls for AI skills update and warns on flood risk
Aviva CEO Amanda Blanc urges new insurance AI standards while warning that homes built in flood zones risk becoming uninsurable
Texas bars insurers from denying home coverage based only on roof age
Texas clarifies that home insurers cannot deny or nonrenew coverage based solely on the age of a house or roof, while physical condition remains valid
Gov. Gavin Newsom vetoes two California wildfire insurance bills
California Gov. Gavin Newsom vetoes SB 877 and SB 878, two homeowner insurance bills covering claim estimates and payment delays after total losses
Home insurtech Hippo launches AI claims workflow to support 35% more volume
Hippo, a technology-native insurance group, launches an AI-driven claims workflow designed to support 30-35% more claims volume with current staffing
Florida homeowners insurance rates fall as more insurers seek cuts
Florida homeowners insurance rates are easing as regulators approve cuts, more insurers enter the market and premiums decline across 51 counties
Hawaii urges insurance checks as Hurricane Nolo approaches
Hawaii regulators urge residents to review hurricane, flood, renters and auto insurance as Hurricane Nolo approaches the islands
Louisiana invests $100 mn in fortified roofs to reduce home insurance costs
Louisiana added $20 mn in federal funding for fortified roofs, bringing 2026 investment to $100 mn across programs aimed at storm damage reduction
California sets wildfire smoke damage rules for home insurers
California approved new wildfire smoke-damage rules covering insurer testing, remediation and mortgage relief after more than 13,000 claims
California insurers pledge new policies as FAIR Plan stays near 697,000
California insurers have committed to new policies under catastrophe-model rules, while FAIR Plan enrollment remains near 697,000 amid a dispute over progress
Bamboo Insurance postpones IPO amid volatile US listing market
Bamboo Insurance postponed its planned US IPO, citing market conditions as recent listings show mixed performance despite stronger 2026 issuance
NFIP subsidies remain concentrated in Florida and higher-value properties
Neptune Flood Research Group estimates $2.6 bn in annual NFIP subsidies remain, with Florida receiving nearly half and higher-value properties taking a large share
SpaceTech ICEYE partners with Water Institute on predictive flood intelligence
ICEYE partnered with The Water Institute to add FloodID predictive modeling to its satellite-based flood intelligence services for US users
Florida homeowners and auto policyholders paid $3 bn less for insurance
Florida homeowners and auto policyholders paid nearly $3 bn less in 2025 as insurance litigation declined and market conditions improved, a study found
Nepal floods could drive insurance losses above $132 mn
Nepal’s floods could produce more than $132 mn in commercial insurance losses, with hydropower projects expected to account for most claims
Citizens Property Insurance sends 45,000 Florida homeowners non-renewal notices
Citizens Property Insurance sent 45,000 Florida homeowners non-renewal notices as the state-backed insurer continues shrinking its policy count
Kansas insurance regulators recover nearly $29 mn for consumers
Kansas insurance regulators closed more than 3,000 complaints in 2025 and recovered nearly $29 mn for consumers, up 147% from 2024
Bamboo Insurance launches Texas Essential homeowners program
Bamboo Insurance launched Texas Essential, an admitted homeowners product offering flexible roof, water and loss settlement options in Texas
Orion180 files for US IPO as specialty home insurance grows
Orion180 filed for a US IPO after posting $13.5 mn in 1H26 net income and $601 mn in direct written premiums over the past 12 months
US title insurance margins rise to 11.5% in 1H 2026
US title insurers lifted operating margins to 11.5% in 1H 2026 as large commercial deals supported premium growth, earnings and expense control
Texas orders insurance reforms as homeowners premiums rise 79%
Texas Gov. Greg Abbott ordered insurance regulators to address homeowners premiums after average annual costs climbed 79% in six years
Illinois gives insurance regulator power over home and auto insurance rates
Illinois will let its insurance department challenge home and auto insurance rate filings it finds excessive, inadequate or discriminatory
Maryland insurance regulator recovers $53.5 mn for residents and businesses
Maryland Insurance Administration recovered more than $53.5 mn for residents and businesses in H1 2026 through complaints, reviews and enforcement
Delayed home insurance claims add $8.8 mn daily, report says
For every extra day home insurance claims remain unpaid, the industry earns another $8.8 mn in interest and investment income
California wildfire insurance reform should focus on risk reduction
California’s homeowners insurance market is under pressure from wildfire losses, rising premiums and reduced coverage, while policymakers assess further reforms
US homeowners insurance non-renewals surge
NAIC data show homeowners insurance non-renewals rose across every US region as climate losses and premiums pressure property coverage
Manitoba and Saskatchewan storms drive insured losses above $840 mn
Insured losses from June 9-10 storms in Manitoba and Saskatchewan have topped $840 mn after tornadoes, hail, flooding and damaging winds
IKEA customers in the UK get flexible home insurance through Urban Jungle
IKEA customers in the UK get flexible home insurance through Urban Jungle, with buildings, contents or combined cover arranged online in minutes
Oklahoma lawmakers study rising home insurance costs
Oklahoma lawmakers will review homeowners insurance costs, weather losses, claims, litigation, reinsurance and building rules during an interim study
Louisiana home insurance rates show signs of stabilization
Louisiana homeowners insurance rate increases have slowed to 0.1% in 2026 as more insurers enter the market and competition returns
Florida home insurance rates fall in 51 counties as the hurricane season continues
Florida regulators report lower home insurance rates in 51 counties as litigation reforms, fewer Citizens policies and cheaper reinsurance ease premiums
Europe wildfires test insurers as climate losses rise
France, Spain and Greece face wildfire losses as insurers absorb claims and Europe debates who pays for climate-driven disaster risk
Three Washington wildfires destroy more than 700 homes and businesses near Spokane
Three Washington wildfires destroy more than 700 homes and businesses near Spokane, forcing 60,000 evacuations as insurers prepare claims teams
Green Shield expands home insurance program and launches Compass agent portal
Green Shield expands Guardian Elite Home in California and Colorado and launches Compass, a digital portal for high-value homeowners insurance agents
California FAIR Plan now insures more new home loans
California FAIR Plan coverage now appears in 5.6% of new California home loans as wildfire risk and insurance availability pressure buyers
Utah home insurance premiums rise as wildfire risk grows
Utah home insurance premiums rose 59% since 2021 as wildfires, high-risk housing growth and insurer pricing draw lawmaker scrutiny
Missouri insurance regulator Angela Nelson warns homeowners after rare flood emergency
Missouri insurance regulator Angela Nelson urges homeowners to review flood risk after July 10 storms caused severe flooding and rescues
Oklahoma sues Allstate over storm damage insurance claim payments
Oklahoma AG Gentner Drummond sued Allstate, accusing the insurer of denying or underpaying valid wind and hail damage claims from homeowners
Louisiana suspends insurance cancellations after Tropical Storm Arthur
Louisiana Emergency Rule 50 delays policy cancellations, renewals and claim deadlines in seven parishes after Tropical Storm Arthur
Florida approves Citizens commercial insurance clearinghouse
Florida approved a new clearinghouse to move Citizens commercial policies into the surplus lines market and expand private insurance participation
New York City advances affordable housing insurance program
New York City selected Pinnacle Actuarial Resources and opened a private-sector RFEI for a city-backed affordable housing insurance program
US flood insurance gap exposes households to $375 bn in losses
Moody’s says the US flood insurance gap has reached 65%, leaving households and local governments exposed to more than $375 bn in uninsured losses
FEMA funds Mid-Atlantic hazard mitigation projects
FEMA opened FY 2026 hazard mitigation funding for projects in Delaware, Maryland, Pennsylvania, Virginia and West Virginia
FEMA opens $1.5 bn in preparedness grants for security risks
FEMA made more than $1.5 bn available across seven FY 2026 preparedness grant programmes for terrorism prevention, infrastructure security and resilience
Alberta homeowners insurance premiums rise 392% in 20 years
Alberta homeowners insurance premiums rose 391.6% from 2005 to 2025 as hailstorms, wildfires, floods, and rebuilding costs increased claims
Home insurtech Hippo places $777 mn reinsurance program for 2026
Hippo renews its 2026 reinsurance program with $513 mn first-event catastrophe protection and $777 mn aggregate coverage
California reviews wildfire deductibles in surplus homeowners insurance policies
California will review surplus homeowners policies after wildfire deductibles left some fire victims facing large out-of-pocket costs after losses
How U.S. homeowners can lower insurance premiums
U.S. homeowners face rising insurance premiums, but policy reviews, deductibles, mitigation work, and shopping around can help control costs
Colorado hail roof grants target home insurance costs
Colorado’s SB26-155 creates a homeowner insurance enterprise to fund resilient roofs, reduce hail losses, and support competition in wildfire-prone markets
North Carolina homeowners face 7.5% insurance rate hike in June
North Carolina homeowners insurance rates will rise 7.5% on June 1 after regulators rejected an industry request for a 42% increase
Washington wildfire town hall spotlights home insurance coverage gaps
Washington officials discussed wildfire recovery, insurance losses, underinsurance, risk scores, and retrofit grants after the 2023 Gray fire
US home insurance premiums more than double as 2025 rate hikes slow
Rate Insurance says U.S. home insurance premiums rose 107.6% since 2019, though annual growth slowed to 9.16% in 2025
California FAIR Plan customers will face the insurer’s largest rate increase
California FAIR Plan premiums will rise after Oct. 15, with wildfire-risk areas facing larger increases and some ZIP codes seeing decreases
Florida home insurance premiums rise 75% as weather risks mount
Florida homeowners insurance premiums rose 75% from 2021 to 2025, nearly twice the U.S. average, as weather risk and reinsurance costs strain the market
California FAIR Plan raises home insurance rates 29% in October
California’s FAIR Plan will raise rates 29.1% for some homeowners as wildfire exposure, policy counts, and insurer pullbacks strain the market
US 30-year mortgage rates reached 7.55% as refinancing and purchase applications declined, raising monthly costs and pushing more borrowers toward ARMs
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