Nationwide UK property price drop: House price growth slows to 0.5%
UK property price growth slowed to 0.5%, Nationwide reports, as rising mortgage rates, weak buyer demand and inflation concerns weigh on the market
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.
US home insurance premiums exceed property taxes in 75% of counties
US home insurance premiums have risen 45% in inflation-adjusted terms over a decade, surpassing property-tax bills in two-thirds of counties, Bloomberg Intelligence reports
Uninsured flood losses could rise by 25% by 2050 for US homeowners
Flood insurance endorsements can provide lower-cost inland flood coverage for US homeowners, with premiums starting around $40-$50 annually, Munich Re US says
US mortgage rates today decline as applications rise 3.4% and ARM demand grows
US mortgage rates fell for a second week, lifting applications 3.4%. Adjustable-rate mortgage demand reached a yearly high as Treasury yields stabilized
Hurricane Isaias generated more than 55K insurance claims in Florida
Hurricane Isaias has generated nearly $582 mn in Florida insured losses and about 55,000 claims, with US catastrophe loss estimates reaching $4.5 bn
Florida home insurance costs push Gulf Coast retirement budget to $78K
Florida retirees face annual expenses of about $78,000 for a mortgage-free Gulf Coast home, including $6,060 in homeowners insurance and $1,500 in flood coverage
Trump’s mortgage executive order targets insurance and refinancing costs
Trump’s new executive order aims to reduce mortgage insurance and refinancing costs, with eligible homeowners potentially saving $500 to $1,500 in closing fees
FEMA launches online flood insurance purchases through Floodsmart.gov
FEMA has introduced online purchasing for National Flood Insurance Program policies through Floodsmart.gov, expanding digital access across nearly 22,700 US communities
Oklahoma insurance election focuses on $5,533 home insurance costs
Oklahoma’s 2026 insurance commissioner candidates propose different solutions to the nation’s highest home insurance premiums, averaging $5,533 annually.
Fannie Mae raises US mortgage rate forecast to 7.5% for 2027
Fannie Mae expects US mortgage rates to average 7.5% in 2027 as inflation reaches 3.7%, borrowing costs rise and housing demand weakens
Kansas City severe storms leave 51K without power as flood risk persists
Severe storms left 50,860 Evergy customers without power in Kansas City as heavy rain, flooding risks and colder temperatures affect Kansas
UK Pension Credit campaign targets 660K households with £4,500 annual aid
UK government launches a Pension Credit campaign targeting 660,000 households, offering eligible pensioners an average income boost of over £4,500 a year
Hurricane Isaias unlikely to affect US reinsurer ratings – Fitch Ratings
Fitch Ratings expects Hurricane Isaias insured losses in the mid-single-digit billions, with limited credit impact on Florida insurers and reinsurers
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
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
Global economic losses from natural disasters in 9M 2026 were estimated at $204 bn, which was 31% below the long-term average since 2000 ($296 bn)
12-13 Atlantic storms in 2026, while El Niño could increase typhoon activity and catastrophe risks across Japan, China and Korea
Global insurance-linked securities market reached $145 bn in 2026, supported by record catastrophe bond issuance, 12.5% investor returns and expanding reinsurance sidecars
Insurance regulators in the US, UK and Japan are strengthening oversight of asset-intensive reinsurance, targeting counterparty credit risk, recapture reserve adequacy