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
Home Insurance News
Stay informed with Home Insurance News Today from Beinsure. Follow homeowners insurance and home insurance rates covering pricing, underwriting, claims, regulation, plus market trends.
Track wildfire insurance, home claims, catastrophe losses, FAIR Plans, and changes in property insurance regulation affecting homeowners and insurers. Get updates on coverage availability, premiums, deductibles, rebuilding costs, severe weather, climate risks, and insurer capacity. Explore expert insights, market stats, and industry developments shaping residential property insurance, risk management, affordability, and protection for homeowners across the United States.
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
California governor candidates focus on housing and insurance costs
California governor candidates are pitching plans on housing costs, home insurance, rebuilding, rent caps, and homelessness before the June primary
Florida homeowners drop coverage as hurricane insurance costs rise
South Florida homeowners face high insurance costs before hurricane season, with some choosing to self-insure despite flood and wind risks
US mortgage rates edge lower as spring home sales stay weak in 2026
Freddie Mac says the 30-year mortgage rate slipped to 6.36%, while higher Treasury yields and weak affordability keep U.S. home sales muted
Colorado passes hail roof grant plan to cut home insurance costs
Colorado lawmakers passed SB155 to fund hail-resistant roof grants through a 0.5% fee on homeowners insurance plans
California insurance commissioner race tests wildfire coverage
California’s insurance commissioner race turns on wildfire claims, State Farm, FAIR Plan pressure, and Jane Kim’s public disaster coverage proposal
Minnesota’s new law bars denial of police damage home insurance claims
Minnesota’s new law requires homeowners insurers to cover damage from police tear gas, smoke, and flash-bangs when owners were innocent parties
California insurers seek home insurance rate hikes under wildfire risk model
Travelers and the Auto Club exchange seek California home insurance rate changes under the state’s 2025 wildfire risk model
California seeks penalties from State Farm over LA wildfire insurance claims
California says State Farm violated claims-handling laws after the 2025 Los Angeles wildfires, with penalties expected in the $ mn range
Americans may overpay $150 bn a year for home insurance
Vanderbilt Policy Accelerator says US households and businesses overpay $150 bn a year for insurance and proposes federal loss-ratio rules
Texas homeowners urged to secure flood insurance cover before hurricane season
Officials across Texas are pushing homeowners to arrange flood insurance ahead of hurricane season, warning that standard policies leave a major gap
Hail claims disputes rise as U.S. home insurance pressure builds
Homeowners challenge claim denials as storms intensify and insurers tighten payouts across high-risk regions
Claim Ready finds coverage gaps in 80% of home insurance policies in Georgia and South Carolina
Claim Ready analysis of 15 home insurance policies found recurring gaps in code upgrade, water backup, mold, liability, and rebuild protection
Florida extends oversight of American Mobile as mobile home insurance strain deepens
Florida regulators extended supervision of American Mobile Insurance Exchange again, as coverage gaps and rising premiums continue to pressure the mobile home market
Minnesota home insurance premiums jumped 34% in a year
Minnesota posted the biggest rise in US homeowner insurance premiums, with costs up 34% as severe weather, repair expenses, and aging homes pushed rates higher
Georgia bill would let property owners sue over local enforcement failures
Georgia lawmakers passed a bill allowing property owners to seek damages from local governments over alleged failures to enforce camping and immigration rules
US mortgage insurers posted strong 2025 underwriting results: Fitch
Fitch said US mortgage insurers delivered a 7.7% loss ratio in 2025, helped by reserve releases, stable home values, and continued high policy persistency
Cyber insurers are reviewing policy wording as autonomous AI agents create new questions over cyberattack definitions, liability and coverage triggers
US employer healthcare costs will rise 9.5% in 2027, taking average annual spending above $19,000 per employee. The forecast extends a run of healthcare cost increases approaching double digits
Contractors who use generative AI on a job may find that their liability coverage does not apply if an AI-related error contributes to a claim. Insurers are rapidly filing exclusion forms for use with the general liability
New US-Canada tariffs raise auto, property, trade credit and business interruption exposures as insurers assess higher repair and supply chain costs