Homeowners insurance

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

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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.

The average annual premium is projected to increase 4% to about $3,057 this year, after jumping 12% in 2025, according to Insurify, an online insurance comparison site.

Customer satisfaction rises in 2026 despite homeowner insurance premiums, according to JD Power's 2026 property claims satisfaction study.

Many homeowners and first-time buyers are surprised by rising property taxes and insurance, which can sharply increase monthly mortgage costs beyond principal and interest.

Nearly 40,000 acres were burned in the Eaton and Palisades wildfires last January, killing at least 31 people and destroying 16,000 structures.

Rates actually declined or remained flat over a two-year period in 15 states, including Florida, with natural disasters and tariffs affecting 2026's movements.

U.S. homeowners are concerned about climate and insurance costs, according to Kin's Homeownership Trends Report.

Since the 1990s, American homes have been systematically underinsured in the event that they are completely destroyed.

Insured losses for so-called non-peak perils — also sometimes referred to as secondary perils — reached a record $98 billion last year, Munich Re said in a report released on Tuesday.

The impact of extreme weather remains top of mind for many, with a majority of homeowners citing it as a factor behind purchase or relocation considerations.

Three U.S. senators opened an inquiry into insurance ratings firm Demotech and whether its assessments may be exposing taxpayers to growing risks tied to climate-driven insurer failures.

A paper published Tuesday in the Journal of Catastrophe Risk and Resilience estimates that Risk Rating 2.0, FEMA's 2021 update, resulted in up to 13% of those facing the highest premium increases dropping their policies.