Property catastrophe reinsurance prices expected to soften in late 2025 with stable terms and retentions. Aggregate coverage offerings remain limited amid disciplined reinsurer market strategies.

U.S. homeowners insurance premiums increased 8.7% faster than inflation from 2018-2022, according to Treasury data, indicating rising costs and market shifts affecting policyholders nationwide.

NerdWallet’s analysis identifies Travelers, Progressive, and USAA as leading the market in affordable large home insurance policies across the U.S., detailing pricing by credit status, claims history, and region.