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You are here: Home / Archives for home insurance

508: Who Should Bear the Cost? Socialized vs. Market-Based Risk Management

January 22, 2025 by Camden Stein · Updated May 12, 2025

Natural disasters are becoming more severe and costly—who should bear the financial burden? We explore the tension between socialized risk and market-based insurance. Topics covered include: The surprisingly large percentage of natural disaster losses that are uninsured Why natural disaster severity is increasing A deep dive into the complexity of the home insurance market, including state-run home insurance plans How California has tried to update its home insurance … [Read more...]

Filed Under: Podcast Tagged With: climate change, health insurance, home insurance, insurance, natural disasters

481: How to Navigate the Crippling Home Insurance Crisis

June 5, 2024 by David Stein · Updated June 13, 2024

Why are homeowners seeing home insurance premiums increases of up to 70%, as David has? What can you do if your insurer drops you, you get a huge premium increase, or you can no longer afford coverage? Topics covered include: What are the primary drivers of home insurance price increases Why these increases don't show up in the U.S. consumer price index How the reinsurance market works and why reinsurers are passing on 50% premium increases to property and casualty … [Read more...]

Filed Under: Podcast Tagged With: home insurance, home prices, insurance, reinsurance

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