Executive Summary

The personal insurance landscape continues to evolve, shaped by climate volatility, rising loss severity, regulatory shifts and changing carrier strategies. As insurers recalibrate appetite, refine underwriting models and respond to emerging risks, households across the market — from standard placements to more complex property and lifestyle exposures — are navigating an environment that requires stronger preparation, clearer documentation and more deliberate risk management. While certain regions and coverage areas remain under pressure, opportunities continue to emerge for well-maintained properties and households that demonstrate proactive mitigation and thoughtful engagement.