Homeowners' Insurance in the US - Market Research Report (2014-2029)

Homeowners' insurance protects households against property damage from natural causes or theft and liability from inflicting bodily injury or property damage on others. Demand for homeowners' insurance is typically stable regardless of fluctuations in macroeconomic factors. Homeowners' insurance is typically considered a requisite expense for protection against the inherent risks of homeownership. To this end, well over three-quarters of all US households have homeowners' insurance. Although, the industry's supply of homeowners' insurance and underwriting results vary significantly by geographic region because of differences in local claims costs, profitability and competitive market conditions. Over the past five years, revenue has been growing at a CAGR of 2.3% to $144.0 billion, including an expected 0.8% increase in 2024 alone. Profit is also expected to climb to 12.6% of revenue in 2024 from 12.5% in 2019.

住宅保险旨在为家庭抵御因自然原因或盗窃造成的财产损失，以及因对他人的身体伤害或财产损害承担的责任提供保障。住宅保险的需求通常稳定，不受宏观经济因素波动的影响。住宅保险通常被视为抵御住宅固有风险的必要开支。因此，超过四分之三的美国家庭都购买了住宅保险。尽管如此，由于各地索赔成本、盈利能力和市场竞争状况的差异，住宅保险行业的供应和承保结果在地理区域之间存在显著差异。在过去五年中，收入以2.3%的复合年增长率增长，达到1440亿美元，其中包括2024年预计的0.8%的增长。预计到2024年，利润也将从2019年的12.5%增长到收入的12.6%。