Home insurance shortfalls may turn cheap homes into costly futures

This episode of Beyond the Buildings host Maiclaire Bolton Smith and Cotality’s Assistant Vice President of Product Marketing Tom Larsen explore the escalating crisis in homeowners insurance, revealing why premiums are rising and what it means for homeowners and insurers nationwide. Discover why some states are hit harder than others, how government insurance programs can remain sustainable, and what new innovations might offer hope for homeowners. - Insurance costs are climbing non-coastal states like Oklahoma and Texas, pressuring the long-term affordability of homeownership. - Billion-dollar natural disasters, shifting risk tolerance, and more expensive reinsurance is transforming how insurers are pricing — and providing — policies. - Explore why this routine homeownership policy has become a barrier to homeownership.