The National Association of Insurance Commissioners (NAIC) is seeking to better understand homeowners insurance markets across the United States.
State insurance regulators issued a nationwide data call to insurance companies seeking information on policy years 2018–2025 on policy type premiums, deductibles, cancellations, coverage limits, claims and losses by peril, nonrenewals, replacement cost and actual cash value, and mitigation discounts. This applies to insurers writing at least $50,000 in relevant premiums.
“State insurance regulators are on the frontlines of consumer protection,” Mike Yaworsky, NAIC Homeowners Market Data Call (C) Task Force chairman, said. “Our state-led data call will help equip us with even more information, tools, and resources to not only speed resilience but also increase preparation before severe weather hits. It will also help us ensure companies have the capital they need to quickly and fully pay claims in some of consumers’ most vulnerable moments.”
The submission deadline is June 15. The data will help regulators better understand consumer awareness of insurance options, assess how coverage options and deductibles affect costs and access, monitor insurers’ financial strength, and evaluate mitigation efforts.
NAIC’s Homeowners Market Data Call (C) Task Force will oversee the data collection and communications to NAIC membership. State insurance regulators will release a public report in early 2027.