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Rising homeowners insurance costs are pushing lenders to expand affordability tools beyond the mortgage itself
Home insurance premium growth slowed in 2025 as carriers regained rate adequacy and capacity, but record-high costs, rising deductibles, and tighter underwriting continue to pressure homeowners and shape the market heading into 2026
Steep cost of homeowner’s insurance creating problems for lenders, buyers, and owners
Table stakes are rising for mortgage lenders ahead of 2025, as policy pivots loom and sales forecasts are adjusted
Two-thirds of U.S. homes are underinsured as coverage amounts fail to keep pace with rising premiums, new report shows.
In states without credit restriction laws – which is most – the economics for lower credit score homeowners worsen still.
