Homeowners insurance

Orion180 Insurance Group Inc. filed for an initial public offering, as the company looks to carve out a bigger share of the specialty homeowners and flood insurance market.

The new rules, which apply to about 2 million homes, were mandated by a 2020 state law requiring residents in high-risk wildfire areas to establish an ember-resistant perimeter by removing vegetation and other combustible material within five feet of a dwelling.

Eighty-eight percent of policyholders reported that they want a provider that anticipates coverage problems before they ask, but doesn't rely solely on AI to do so, according to a new VIU by HUB survey.

A record percentage of homeowners renewing their insurance policy saw their fee decrease, up from 7.4% last year, according to Matic's mid-year trends report.

Sen. Elizabeth Warren and other senators sent a letter to six insurers challenging their use credit-based insurance scores to determine risk-based pricing.

Florida changed how the legal system applies to insurance companies, making it more onerous for homeowners to use the courts to challenge denied claims or low payouts.

Wealthy areas such as Beverly Hills, Malibu and Bel Air make up an increasingly large portion of the liability exposure — a dynamic that experts fear could bankrupt the program and undermine the private market.

Competing philosophies are facing off in California's race for insurance commissioner.

Colorado homeowners pay the highest premiums at $463 a month, as insurance costs now exceed property taxes in 15 states, LendingTree found.

Properties outside of the 100-year flood zone exposed to $375 billion to $1 trillion in losses, Moodys reports

The counties with the greatest exposure lie along the coasts of Florida, Louisiana, South Carolina and Texas.

Insurance claims dropped in 2025, but covered loss amounts didn't follow, largely due to the severity of the Southern California wildfires, Rate reported.

Reputation events are currently managed reactively by communications teams reporting using tools built for brand storytelling.

Alongside a bill that gives homeowners a year of forbearance after state-declared emergencies, lawmakers will consider extending wildfire-related moratoriums.

Nearly half of respondents say if these payments rise, it would make it difficult to meet their mortgage obligations, according to The Zebra.

"Wildfire risk is not just an occasional catastrophe, but a recurring cost embedded in the state's economy," said the report issued this week by the California Earthquake Authority.

The homeowners insurance market in the U.S. "faces mounting strain from severe climate risk," Benjamin Collier and the other authors said in their commentary.

The FHFA's ACV condo insurance rollback gets the balance right between affordability and safety, even if politics muddied the waters, the chairman of Whalen Global Advisors writes.

Across the personal lines space, pricing is expected to stabilize for homeowners, auto, flood and umbrella coverage.

Fannie Mae and Freddie Mac's single-family updates include some roof coverage options somewhat similar to what's used in one of their other divisions.