J.D. Power regularly reports on how happy consumers are with insurers and their rates. A report on the 4th quarter of 2025 by J.D. Power and TransUnion’s LIST Report said the number of people shopping for home, auto and renters insurance averages 13%.
The 4th quarter auto shopping figures are 0.2% down from 2024 and down 0.3% year-over-year. Actual auto switching fell 0.4 points.
Kin is a direct-to-the-consumer, digital homeowners insurance company. The firm has produced its first annual Kin’s Homeownership Trends Report. The document says half of U.S. homeowners are considering a move. It also notes there will be more stability in the homeowners market in 2026 compared to 2025.
On the negative side, the report found homeowners are worried about climate change issues and high insurance costs. Those are two major factors being considered when purchasing a home or changing homes. Kin calls it “weather anxiety.”
Nationwide did a survey late last year on Americans and family budgets. A high percentage are reassessing spending and their insurance budgets.
We’re using our credit cards more now than in the past.
Fitch Rating 2026 Predictions
Fitch Ratings has offered up some predictions for 2026. The ratings firm thinks premium growth will fall a bit with gains of just 3% to 4%. Fitch’s report also predicts a “normal” number of hurricanes hitting the U.S. in 2026.
A Huge Number of Homeowners are Underinsured
Two-thirds of homeowners in the U.S. are underinsured. They don’t think they are but reality says the are. This conclusion comes from a survey done by Insurance.com.
By Jonalyn Cueto, Insurance Business
AM Best’s latest market segment report, Market Segment Outlook: US Homeowners, has raised the outlook for homeowners insurers from negative to stable. The reasons range from moderate premium growth to improved catastrophe risk management practices to a better outlook in the property reinsurance market.
Hiscox did a study of small businesses and insurance. In the last two years — the insurer said — small business has reported an increase in revenues. Even with more business, a frightening 77% of those businesses continue to be underinsured.
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