STATE INSURANCE REGULATORS ISSUE NATIONWIDE HOMEOWNERS MARKET DATA CALL

The following information was released by the National Association of Insurance Commissioners (NAIC):

Data will provide ZIP code-level insight into coverage, costs, availability, and mitigation efforts

During the National Association of Insurance Commissioners' (NAIC) 2026 Spring National Meeting, state insurance regulators announced they have issued a nationwide data call to insurance companies to better understand homeowners insurance markets across the United States, down to the ZIP code level. The data call will be the most comprehensive collection of homeowners insurance policy data in the United States.

The data will help regulators assess how coverage options and deductibles affect costs and access, evaluate mitigation efforts, monitor insurers' financial strength, and better understand consumer awareness of insurance options.

"State insurance regulators are on the frontlines of consumer protection," said Florida Insurance Commissioner and NAIC Homeowners Market Data Call (C) Task Force Chair Mike Yaworsky. "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 2026 data call, which has a June 15, 2026, submission deadline, covers policy years 20182025 and applies to insurers writing at least $50,000 in relevant premium. Requested data includes policy type (home, renter, condo, and mobile home), premiums, claims and losses by peril, deductibles, cancellations, non-renewals, coverage limits, replacement cost and actual cash value, and mitigation discounts. Following validation and analysis, regulators plan to release a public report in early 2027. The public will have an opportunity to comment before the report is finalized. Information regarding public meetings and comment opportunities will be posted on NAIC.org.

The NAIC's Homeowners Market Data Call (C) Task Force will oversee the data call and communications to NAIC membership. A working group of state insurance regulators will lead development of the public report. Additional information, including data definitions and templates, is available on NAIC.org.

About the National Association of Insurance Commissioners

As part of our state-based system of insurance regulation in the United States, the National Association of Insurance Commissioners (NAIC) provides expertise, data, and analysis for insurance commissioners to effectively regulate the industry and protect consumers. The U.S. standard-setting organization is governed by the chief insurance regulators from the 50 states, the District of Columbia and five U.S. territories. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer reviews, and coordinate regulatory oversight. NAIC staff supports these efforts and represents the collective views of state regulators domestically and internationally.