Insurity Survey Reveals Rising Consumer Demand for Enhanced Severe Weather Coverage in P&C Insurance

The 2025 Severe Weather P&C Consumer Pulse Survey conducted by Insurity reveals significant shifts in consumer attitudes toward property and casualty insurance coverage amid increasing severe weather events. Nearly half of policyholders indicate a willingness to switch insurers and pay higher premiums for enhanced protection, signaling a market trend where insurance providers need to emphasize comprehensive coverage and resilience beyond competitive pricing.

Consumer confidence in existing severe weather coverage remains low, with only 12% feeling very confident in their policies, highlighting a gap between policyholder expectations and current insurance offerings. Technology adoption continues to influence purchasing decisions, as 50% of respondents prioritize insurers investing in advanced claims processing technology that can improve response times after severe weather incidents.

This technology-driven expectation reflects a consistent consumer demand for efficient, transparent claims handling, noted also in the previous year’s survey. Compared to 2024, the percentage of consumers willing to switch providers has increased sharply from 36% to 49%, aligning with growing concerns about coverage adequacy in the face of escalating weather risks. Insurers are thus challenged to enhance both coverage scope and recovery tools to address these evolving consumer priorities. The survey sampled more than 1,000 U.S. adults to produce a representative market insight focused on the intersection of severe weather risks and property and casualty insurance dynamics.