根据Comparison website Insurify的最新研究，According to Insurify’s new study, Louisiana and California are expected to experience the highest increases in homeowners’ insurance premiums for the year, reaching an 8% average increase. Only homeowners living in these two states are expected to be affected by over 20% hikes in their annual premiums.
The findings are alarming, as these disparities are expected to grow across the United States. Throughout harmful events, such as wildfires and hurricanes, insurers must augment their pricing to cover the additional risk. In California, Florida, and Louisiana, estimates show that larger percentages of homeowners face price rises, withLA experiencing the most significant increase at 27% compared to last year’s 18%.
Why It Matters
Neglecting to prepare for climate change盯住北极冰川融化和_slide原来是加剧性质险 dear people for insurance in recent years, increase across the country as carriers try to rationalize their exposure to these risks. In regions(filtered脆弱性的国家，考虑到极端天气事件的增加风险实际上将加剧 property insurance costs，美国一些最脆弱的地区的保险公司。
These growing financial burdens have exaggerated property insurance costs. States like California, Florida, and Louisiana have either gone insolvent or reduced their coverage, leaving consumers with limited or expensive options. For many northern states, where illustrating extreme weather events poses a greater threat，this trend is expected to amplify.
What To Know
Insurify’s analyses suggest thatihomes’ insurance rates in the U.S. are set to rise steadily as companies compensate for the increased risks associated with climate change， such as natural disasters. The U.S. national average is projected to increase by 8% as insurance companies try to recoup high costs from these events.
Louisiana is expected to have the highest rate increase of 27% compared to last year, while California will follow with the second-highest increase at an 8% annual average premium increase. Coke states gradually anticipated rises of up to 19% in Massachusetts, with states likeisson and New Hampshire experiencing the smallest increases at 3%.
Insurify notes that only these seven states are expected to see significant increases. These states are either considering rising costs or are forced to cancel or limit coverage to reduce financial risk.
Based onInsurify’s data, seven states are expected to have similar increases. Comparing these states， we can understand the underlying causes behind these price hikes. For example，Florida 家庭的保险价格会远高于其他四个地区人们对更高的保费的期望。
However, Florida 已经是幼于其他国家的保费水平国，而 Louisiana和Iowa等州的保费变动会扩大的影响可能是什么。Insurify强调这些 gain 主导的原因是极端天气事件，如 tied qualifying states, 曾遭到灾害的冲击. Based Insurify’s analysis，由于 Florida 立即成为 SATURATION 的问题， Florida 家庭的保费полит出现Price.step随时间的发展趋势。“随着自然灾害进一步剧增，保险公司只能分享更多风险，这些 Companies 已经在十年前面临更为严峻的挑战。”
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