Home Insurance Watch
The homeowners insurance crisis, by region.
Latest Gobbles
Climate risk is squeezing homeowners insurance from every angle
2025 is the date stamped on the starkest warning in today's pack: insurance is the climate crisis's canary in the coal mine.
Home insurance as climate governance, with a catch
In 2026, the homeowners insurance story is still a climate story: insurers are increasingly shifting climate risk from themselves to policyholders and the
California's FAIR Plan keeps swelling as private insurers pull back
$650 billion in California FAIR Plan exposure is the clearest sign yet that the homeowners insurance squeeze is no longer a niche problem — it's the main e
Louisiana duplex insurance: the shock is in the renewal letter
90%: that’s how much a Louisiana duplex owner’s insurance premium jumped on renewal.
The quiet part: homeowners’ premiums are part protection, part giant bond pile
$42 trillion sits in the global insurance industry’s asset pile, and a lot of it is not sitting still.
California’s carrier retreat has left the FAIR Plan doing the heavy lifting
555,000 California homes were in the FAIR Plan by March 2025, up from roughly 272,000 in 2023.
Nevada's wildfire split is the kind of move that makes mortgage lenders quietly panic
82 percent: Nevada insurers declined renewal on 481 homeowner policies in 2023.
Casualty carriers are still digging out from a record reserve mess
$15.8 billion in adverse prior-year development is the kind of number that makes the whole casualty side of insurance look like it’s been hit by a truck.
AI has moved from the fireline to the claims desk
39,000 residential claims hit after the Palisades and Eaton fires. State Farm alone absorbed about 11,300 of them.
California isn’t a full exit story — it’s a “paused new business, targeted pain” story
72,000 high-risk California homes were non-renewed by State Farm, even though it’s still the state’s largest home insurer and still pays claims.
Florida just drew a harder line on Citizens
1,480 carriers identified so far.
Home insurance is becoming a brutal line item
6,000 a year: that’s what one person said their home insurance bill was, and it’s the kind of number that makes a mortgage feel like a second job.
California's insurer of last resort wants more
36 percent is how much California's FAIR Plan wants to raise rates — in a market where the private home insurance market "is not functioning."
California's insurance floor just got shoved a little higher
A woman who had lost the house she raised her children in to the Palisades fire filed a smoke-damage claim in February, after spending four months in a ren
California’s PRID ruling has a very specific sting for anyone trying to intervene
Consumer Watchdog filed its petition to participate in the Verisk PRID with a complaint about notice mechanics, after the Department had posted the petitio
One California ZIP pays $92. Another pays $32,000. Same policy.
A California ZIP code can mean a bare-bones last-resort policy for $92 a year — or $32,000 for the exact same coverage. The FAIR Plan now covers more than
California's home insurance mess keeps finding new ways to be a mess
A California homeowner received a non-renewal notice from Safeco on a home he shared with his wife and three children. The stated problem kept shifting: fi
Home Insurance Rates Are Still Running Hot in Disaster-Prone States
Homeowners in America’s most disaster-prone states are facing average premium increases of 34% year-over-year in 2026, according to fresh data released thi
The Silent Exodus: Why Your Insurer Disappeared, And Who's Next
Home insurance, less the daily churn: here's what's worth sitting with from the broader market trends.
The Hidden Reason Some Homes Get Rebuilt Fire-Proof, And Others Don't
Nothing broke today — but here's what deserves a second read from the home insurance front.
California's biggest insurers are walking out — and homeowners are left holding the bill
In May 2023, State Farm announced it would stop writing new homeowner policies in California, citing "rapidly growing catastrophe exposure" and constructio
California's FAIR Plan looks less like a backstop and more like the center of the storm
The California FAIR Plan is the state's insurance program of last resort for homeowners who can't get fire coverage in the private market. It is not taxpay
Your Renewal Notice Just Did Something Ugly: Florida Premiums Up 75%
Florida homeowners are opening renewal notices showing premiums nearly double what they paid just a few years ago — and California's last-resort insurer is
California Lawmakers Just Doused a Bill for Fire-Safe Homes, While AI Burns Through Claims
Nothing broke today — but here's what deserves a second read on the home insurance front.
Florida Insurers Paid Top Execs $20M+ While Premiums Kept Climbing
Florida homeowners are now paying $3,400 more per year for home insurance than the national average — and the executives running the state's insurers are h
Three Strikes? Why Your Next Claim Could Cost You Your Coverage
A homeowner with two water-damage claims already on the books woke up this week to a flooded basement — and now faces a choice that could cost them their i
The Planet Is on Fire: 150 Million Hectares Burned in Four Months, With El Niño Still Waiting in the Wings
Over 150 million hectares — nearly the size of Alaska, double the seasonal average — has already burned in 2026's first four months, and El Niño hasn't eve
State Farm Spent $1.139 Billion on Ads in 2025. California Says It Still Didn't Pay Claims Fairly.
While State Farm spent $1.139 billion on advertising in 2025 to tell you it's "like a good neighbor," California's insurance regulator is now seeking to su
Washington Just Voted to Push Flood Insurance Into Private Hands
The federal government just voted to recommend handing your flood insurance policy to the private market — the same market that's already making California
Louisiana Homeowners Are Now Paying $6,274 a Year. That's Nearly Triple the National Average.
Nothing broke today — but here's what deserves a second read on the home insurance crisis.