Shock analysis shows five major US home insurance firms only paid 50% of claims

• A new report reveals that Americans filing home insurance claims have a near 50/50 chance of their claims being paid out.
• The five largest home insurers collectively declined over 44 per cent of claims resolved in 2025, an increase from 36 per cent a decade prior.
• This rise in non-payment is largely due to insurers attempting to offset years of losses, partly caused by an increase in catastrophic weather events.
• Insurers have adjusted by raising deductibles, sometimes calculating them as a percentage of a home's value, and offering lower premiums for higher deductibles.
• Florida, Texas, and California exhibit particularly high rates of claim non-payment, often linked to specific weather events such as hurricanes, hail, and wildfires.

IN FULL

Big Five home insurers didn’t pay out on nearly half of claims last year, analysis says