{"id":77790,"date":"2024-04-17T05:00:26","date_gmt":"2024-04-17T12:00:26","guid":{"rendered":"https:\/\/www.redfin.com\/news\/?p=77790"},"modified":"2024-04-16T14:42:32","modified_gmt":"2024-04-16T21:42:32","slug":"home-insurance-survey-report-2024","status":"publish","type":"post","link":"https:\/\/www.redfin.com\/news\/home-insurance-survey-report-2024\/","title":{"rendered":"70% of Florida Homeowners Have Seen Rise in Insurance Costs or Changes in Coverage: Survey"},"content":{"rendered":"<ul>\n<li style=\"font-weight: 300;\" aria-level=\"1\"><strong><i>12% of Florida respondents who have faced insurance changes have been dropped by their insurance company\u2014an increasingly common trend as insurers back out of flood-prone areas. The share is almost as high in fire-prone California.<\/i><\/strong><\/li>\n<li style=\"font-weight: 300;\" aria-level=\"1\"><strong><i>Nationwide, one-third of homeowners who lost insurance have moved or plan to move, but nearly the same share are staying in their home with little or no coverage.<\/i><\/strong><\/li>\n<li style=\"font-weight: 300;\" aria-level=\"1\"><strong><i>Only about one-third of U.S. homeowners know which natural disasters their insurance covers.<\/i><\/strong><\/li>\n<li style=\"font-weight: 300;\" aria-level=\"1\"><strong><i>34% of real estate agents in the U.S.\u2014and 73% in Florida\u2014have seen an increase in insurance-related issues in the past year.<\/i><\/strong><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Nearly three-quarters (70.3%) of Florida homeowners and over half (51%) of California homeowners say they or the area they live in has <\/span><span style=\"font-weight: 400;\">been affected by rising home insurance costs or changes in coverage (e.g., their insurer dropped them) in the past year. That compares with less than half (44.6%) of homeowners nationwide.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"> <img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone wp-image-77791\" src=\"https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2024\/04\/final-insurance-chart-1-1024x709.png\" alt=\"\" width=\"800\" height=\"554\" srcset=\"https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2024\/04\/final-insurance-chart-1-1024x709.png 1024w, https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2024\/04\/final-insurance-chart-1-300x208.png 300w, https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2024\/04\/final-insurance-chart-1-768x532.png 768w, https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2024\/04\/final-insurance-chart-1-1536x1063.png 1536w, https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2024\/04\/final-insurance-chart-1.png 1733w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/span><\/p>\n<p><span style=\"font-weight: 400;\">That\u2019s according to a Redfin-commissioned survey conducted by Qualtrics in February 2024. The nationally representative survey was fielded to 2,995 U.S. homeowners and renters.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Insurance is top of mind for homeowners in Florida and California because those states are the epicenters of the insurance housing <\/span><a href=\"https:\/\/www.bloomberg.com\/features\/2024-home-insurance-real-estate-crisis\/?sref=fRZXrT1O\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">crisis<\/span><\/a><span style=\"font-weight: 400;\">. Many homeowners have seen their premiums skyrocket, and some have lost coverage altogether because intensifying natural disaster risk has prompted many insurers to stop doing business in Florida and California. Seven of California\u2019s biggest property insurers have recently opted to <\/span><a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/carriers-exit-california-home-insurance\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">limit<\/span><\/a> <span style=\"font-weight: 400;\">new policies in the Golden State amid increasing wildfire risk. And in the Sunshine State,<\/span> <a href=\"https:\/\/www.nascus.org\/2023\/09\/21\/can-lawmakers-save-the-collapsing-florida-home-insurance-market\/#:~:text=Since%202017%2C%20eleven%20property%20and,Insurance%20Company%20liquidated%20in%202023.\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">eleven<\/span><\/a> <span style=\"font-weight: 400;\">insurers have liquidated amid growing flood and storm risk.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Mounting insurance costs and natural disasters are prompting some people to relocate. In Florida, 11.9% of survey respondents who plan to move in the next year cited rising insurance costs as a reason\u2014roughly twice the national share of 6.2%. And in California, 13.1% of people who intend to relocate in the coming year cited concern for natural disasters or climate risks as a reason, compared with 8.8% of respondents nationwide. But while some people are leaving disaster-prone areas, there are still more people moving in than out, a separate Redfin <\/span><a href=\"https:\/\/www.redfin.com\/news\/climate-migration-real-estate-2023\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">analysis<\/span><\/a><span style=\"font-weight: 400;\"> found.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cHomeowners living in areas where insurance premiums are surging are at risk of seeing their properties gain less value than homeowners in areas with stable premiums\u2014and in some cases, they may even lose money,\u201d said Redfin Chief Economist <\/span><a href=\"https:\/\/www.redfin.com\/news\/author\/darylfairweather\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Daryl Fairweather<\/span><\/a><span style=\"font-weight: 400;\">. \u201cHomes with low disaster risk and low insurance costs will likely become increasingly popular, and thus more valuable, as the dangers of climate change intensify.\u201d\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Condo prices in some parts of Florida have already started to <\/span><a href=\"https:\/\/www.redfin.com\/news\/florida-condo-prices-dropping\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">fall<\/span><\/a><span style=\"font-weight: 400;\"> amid an increase in insurance costs and HOA fees.<\/span><\/p>\n<h3>12% of Florida Homeowners Who Have Faced Insurance Changes Were Dropped By Their Insurer<\/h3>\n<p><i><span style=\"font-weight: 400;\">This section focuses on the 1,198 U.S. homeowner respondents who said they or their area has or may have been impacted by rising home insurance costs or changes in coverage in the past year (AKA answered \u201cyes\u201d or \u201cmaybe\u201d to the question in section one). We asked these homeowners specifically which insurance insurance-related changes they\u2019ve seen and are concerned about.<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">Roughly one in eight Florida respondents (12%) and one in nine California respondents (10.7%) said their insurance company stopped offering coverage for their home, compared with 8.3% of respondents overall.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Other homeowners are worried they will be dropped by their insurer in the future: Over one-quarter (27.7%) of respondents in Florida said they are or have been concerned their insurer may stop offering coverage for their home, compared with 13.5% of respondents in California and 8.9% of respondents as a whole.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><img decoding=\"async\" class=\"alignnone size-large wp-image-77792\" src=\"https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2024\/04\/insurance-chart-2-final-1024x718.png\" alt=\"\" width=\"1024\" height=\"718\" srcset=\"https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2024\/04\/insurance-chart-2-final-1024x718.png 1024w, https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2024\/04\/insurance-chart-2-final-300x210.png 300w, https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2024\/04\/insurance-chart-2-final-768x539.png 768w, https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2024\/04\/insurance-chart-2-final-1536x1077.png 1536w, https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2024\/04\/insurance-chart-2-final.png 1710w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/span><\/p>\n<p><span style=\"font-weight: 400;\">Most respondents <\/span><i><span style=\"font-weight: 400;\">have <\/span><\/i><span style=\"font-weight: 400;\">seen a rise in insurance costs: Overall, nearly three-quarters (71.7%) said their policy premium increased, with a slightly higher share in Florida (76%) and a slightly lower share in California (62.9%).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The average annual U.S. home insurance rate is expected to rise 6% this year to $2,522 after surging 19.8% between 2021 and 2023, <\/span><a href=\"https:\/\/insurify.com\/homeowners-insurance\/report\/home-insurance-price-projections\/#:~:text=Home%20insurance%20rates%20are%20rising,the%20end%20of%20the%20year.\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">according<\/span><\/a><span style=\"font-weight: 400;\"> to Insurify. In Florida, the average annual rate is $10,996\u2014higher than any other state.<\/span><\/p>\n<h3>1 in 3 Homeowners Who Lost Insurance Coverage Has Moved or Plans To Move<\/h3>\n<p><span style=\"font-weight: 400;\">Roughly 100 homeowners who participated in the survey indicated that their insurance company stopped offering coverage for their home. One-third (33.2%) of those respondents moved or plans to move to a new area where coverage is available. But nearly the same share (30%) are staying in their home with little or no coverage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"> <img decoding=\"async\" class=\"alignnone wp-image-77793\" src=\"https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2024\/04\/1-in-3-1024x710.png\" alt=\"\" width=\"800\" height=\"555\" srcset=\"https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2024\/04\/1-in-3-1024x710.png 1024w, https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2024\/04\/1-in-3-300x208.png 300w, https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2024\/04\/1-in-3-768x532.png 768w, https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2024\/04\/1-in-3-1536x1065.png 1536w, https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2024\/04\/1-in-3.png 1731w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/span><\/p>\n<p><span style=\"font-weight: 400;\">Almost half (46%) of respondents who lost insurance coverage said they\u2019ve found a new insurer to cover their home. A similar share (44.5%) said they pay a significantly higher premium for coverage than before.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Oftentimes when homeowners lose insurance coverage through a private insurer, they\u2019re forced to buy into a more expensive state-created <\/span><span style=\"font-weight: 400;\">plan\u2014such as California\u2019s FAIR Plan or Florida\u2019s Citizens Property Insurance Corp. Bu<\/span><span style=\"font-weight: 400;\">t in many cases, it\u2019s unclear whether those programs have enough money to cover losses; a Bloomberg <\/span><a href=\"https:\/\/www.bloomberg.com\/features\/2024-home-insurance-real-estate-crisis\/?sref=fRZXrT1O\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">analysis<\/span><\/a><span style=\"font-weight: 400;\"> found that 36 states have residual insurance plans, but 21 of those don\u2019t explicitly spell out how they\u2019d pay deficits that exceed their assets.<\/span><\/p>\n<h3>Only One-Third of Homeowners Know Which Natural Disasters Their Insurance Covers<\/h3>\n<p><span style=\"font-weight: 400;\">Roughly one-third of U.S. homeowners (34%) know which natural disasters their insurance for their home covers. An even smaller share\u201427.2%\u2014know which natural disasters their insurance covers <\/span><i><span style=\"font-weight: 400;\">and<\/span><\/i><span style=\"font-weight: 400;\"> how much damage is covered under their policy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-77797\" src=\"https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2024\/04\/knowledge-1024x709.png\" alt=\"\" width=\"800\" height=\"554\" srcset=\"https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2024\/04\/knowledge-1024x709.png 1024w, https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2024\/04\/knowledge-300x208.png 300w, https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2024\/04\/knowledge-768x532.png 768w, https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2024\/04\/knowledge-1536x1063.png 1536w, https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2024\/04\/knowledge.png 1733w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With climate disasters on the rise, homeowners should revisit their existing insurance policies so they know exactly what and how much is covered, Fairweather said. In some cases, they may want to purchase an additional policy covering a specific disaster, like fire or flood.\u00a0<\/span><\/p>\n<h3>Over One-Third of Real Estate Agents Have Seen an Increase in Insurance-Related Issues<\/h3>\n<p><span style=\"font-weight: 400;\">More than one-third of real estate agents (34.4%) have experienced an increase in issues related to home insurance during transactions over the past year.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is according to a separate Redfin-commissioned survey of 500 real estate agents from a wide spectrum of U.S. brokerages, conducted by Qualtrics in December 2023.\u00a0<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-77798\" src=\"https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2024\/04\/final-agent-chart-insurance-2-1024x709.png\" alt=\"\" width=\"800\" height=\"554\" srcset=\"https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2024\/04\/final-agent-chart-insurance-2-1024x709.png 1024w, https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2024\/04\/final-agent-chart-insurance-2-300x208.png 300w, https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2024\/04\/final-agent-chart-insurance-2-768x532.png 768w, https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2024\/04\/final-agent-chart-insurance-2-1536x1063.png 1536w, https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2024\/04\/final-agent-chart-insurance-2.png 1733w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">The share was significantly higher in Florida and California. In Florida, nearly three-quarters (73%) of agents have seen an uptick in insurance issues in the last year, and in California, the share was 64%.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Redfin.com publishes climate-risk data for nearly every for sale and off-market U.S. home to help house hunters make more informed decisions.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>12% of Florida respondents who have faced insurance changes have been dropped by their insurance company\u2014an increasingly common trend as insurers back out of flood-prone areas. The share is almost as high in fire-prone California. Nationwide, one-third of homeowners who lost insurance have moved or plan to move, but nearly the same share are staying [&hellip;]<\/p>\n","protected":false},"author":13346,"featured_media":77799,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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