The 2025 U.S. commercial P&C insurance market navigates record catastrophe losses, rising premiums, and evolving underwriting amid inflation and regulatory shifts.

HCI Group finalizes expanded catastrophe reinsurance program for 2025-2026 treaty year with over $3.5 billion coverage across three towers, supporting Florida and national insurance policies.

The US commercial P&C insurance market faces elevated catastrophe losses in 2025, with wildfire intensity and material costs impacting underwriting, premiums, and availability. Stable capital and competitive renewals present opportunities amid ongoing challenges.

In Q1 2025, U.S. life insurance premiums increased 8% driven by strong gains in indexed and variable universal life products, while term and fixed universal life showed declines, reflecting shifting consumer preferences and economic impacts.

Federal Reserve data shows 7% of U.S. homeowners are uninsured due to high property insurance costs, highlighting market and regulatory challenges.

US auto insurance premiums are projected to increase 7.5% in 2025 due to claims from natural disasters, repair cost inflation, and market dynamics, with notable regional variations.

House Republicans pass budget bill enacting largest Medicaid cuts in U.S. history, adding tax breaks for the wealthy and increased immigration enforcement funding. Impact on healthcare premiums and federal deficit noted.

Homeowners insurance premiums rise sharply in tornado-prone U.S. states due to increased hail damage claims and changing severe weather patterns. Insurers adjust rates and coverage amid evolving risks.

U.S. auto insurance shopping increased 16% in Q1 2025 as tax refunds and tariffs drive new vehicle purchases. Policy retention declines, prompting insurers to adjust strategies.

Texas homeowners' insurance costs are rising due to severe weather and regulatory rules allowing insurers to adjust rates promptly. New legislation aims to address these challenges in the insurance market.