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Homeowners insurance in the United States

Statistics report on the U.S. homeowners insurance

This report presents a range of statistics and facts about homeowners insurance in the United States. Following a general overview of the insurance market, information is provided about main segments, leading companies, sales metrics/consumption, and consumer perspectives and special insights on the homeowner insurance industry in the U.S. It concludes with information about rates of homeownership in the U.S.

Table of contents

Market overview

5
  • Premium Statistic Most affordable U.S. states in terms of homeowners insurance premium 2024
  • Premium Statistic Homeownership rate in the U.S. 1990-2025
  • Premium Statistic Embedded insurance: interest among bank customers in the U.S. 2021, by insurance type
  • Premium Statistic Number of U.S. housing units and annual increase 1975-2025
  • Premium Statistic ESG scores of the worlds' largest insurance companies 2026, by provider

Segments

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  • Premium Statistic Least affordable U.S. states in terms of homeowners insurance premium 2024
  • Premium Statistic Share of property and casualty insurance premiums in the U.S. 2019-2024, by line
  • Premium Statistic Number of U.S. homeowner insurance claims paid due to lightning losses 2008-2024
  • Premium Statistic Homeowner insurance claims paid out due to lightning losses in the U.S. 2006-2024
  • Premium Statistic NPS of selected insurance segments in the U.S. 2020-2022

Leading companies

4
  • Premium Statistic Leading U.S. writers of homeowners insurance 2024, by premiums
  • Premium Statistic Leading U.S. homeowner insurance companies 2024, by market share
  • Premium Statistic Leading property and casualty insurance companies in the U.S. 2024, by revenue
  • Premium Statistic Earned premiums of State Farm Mutual 2011-2025

Sales metrics/consumption

5
  • Premium Statistic Value of homeowner multiple peril insurance net premiums in the U.S. 2015-2024
  • Premium Statistic Average homeowner insurance premiums in the U.S. 2007-2024
  • Premium Statistic U.S. household expenditure on home insurance 2007-2024
  • Premium Statistic Incurred losses for homeowner insurance in the U.S. 2012-2023
  • Premium Statistic Loss ratio of Lemonade in the U.S. 2017-2023

Customer perspective/specialties

5
  • Premium Statistic Embedded insurance interest among traditional bank customers in the U.S. 2021
  • Premium Statistic Embedded insurance: high interest by insurance type in the U.S. 2021
  • Premium Statistic Embedded insurance: high interest by generation in the U.S. 2023
  • Premium Statistic Opinion of U.S millennials on their housing aspirations 2021
  • Premium Statistic Single-family housing starts in the U.S. 1980-2025, with forecasts until 2027

Rates of homeownership

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  • Premium Statistic Homeownership rate in the U.S. 2012-2026
  • Premium Statistic Homeownership rate in the U.S. 2025, by age
  • Premium Statistic Homeownership rate in the U.S. 2003-2023, by ethnicity
  • Premium Statistic Homeownership rate in the United States 2015-2025, by region
  • Premium Statistic U.S. homeownership rate for householders over 65 years old 2011-2025
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