75% of Recent and Prospective Homebuyers Are Concerned About Homeowners Insurance Becoming Unaffordable, New Realtor.com® Survey
Realtor.com (NASDAQ:NWSA) released a concerning survey about homeowners insurance affordability, revealing that 75% of recent and prospective homebuyers worry about insurance becoming unaffordable. The study found that 88% of respondents expect to pay more for insurance in the future, while 42% have already experienced cost increases.
The survey highlighted that 58% of buyers would consider foregoing insurance if costs become too high, rising to 76% among Gen Z buyers. Insurance challenges have forced 33.7% of home searchers to completely change their geographic search area, while 30% have expanded their initial target geography. Notably, 26% of U.S. homes, valued at $12.7 trillion, face severe climate risks, contributing to higher insurance premiums.
Realtor.com (NASDAQ:NWSA) ha pubblicato un sondaggio preoccupante sull'accessibilità dell'assicurazione casa, rivelando che il 75% degli acquirenti recenti e potenziali teme che le polizze diventino inaccessibili. Lo studio mostra che il 88% degli intervistati si aspetta di pagare di più in futuro, mentre il 42% ha già registrato aumenti dei costi.
Il sondaggio evidenzia che il 58% degli acquirenti prenderebbe in considerazione di rinunciare all'assicurazione se i prezzi salissero troppo, percentuale che arriva al 76% tra i compratori della Generazione Z. Le difficoltà assicurative hanno spinto il 33,7% di chi cerca casa a cambiare completamente l'area geografica di ricerca, mentre il 30% ha ampliato la zona inizialmente prevista. Da notare che il 26% delle abitazioni statunitensi, per un valore di $12,7 trilioni, è esposto a rischi climatici elevati, fattore che contribuisce all'aumento dei premi assicurativi.
Realtor.com (NASDAQ:NWSA) publicó una encuesta inquietante sobre la asequibilidad del seguro de vivienda, revelando que el 75% de los compradores recientes y potenciales teme que las pólizas se vuelvan inasequibles. El estudio encontró que el 88% de los encuestados espera pagar más por el seguro en el futuro, mientras que el 42% ya ha experimentado incrementos en los costos.
La encuesta destaca que el 58% de los compradores consideraría prescindir del seguro si los precios suben demasiado, cifra que llega al 76% entre los compradores de la Generación Z. Los problemas con los seguros han obligado al 33,7% de quienes buscan casa a cambiar por completo su área geográfica de búsqueda, mientras que el 30% ha ampliado la zona objetivo inicial. Cabe señalar que el 26% de las viviendas de EE. UU., valoradas en $12,7 billones, enfrentan riesgos climáticos severos, lo que contribuye al aumento de las primas.
Realtor.com (NASDAQ:NWSA)는 주택 보험 부담 가능성에 관한 우려스러운 설문 결과를 발표했으며, 최근 및 잠재적 주택 구매자의 75%가 보험이 감당하기 어려워질 것을 우려한다고 밝혔습니다. 조사에 따르면 응답자의 88%는 향후 보험료가 더 오를 것으로 예상하며, 42%는 이미 비용 상승을 경험했다고 응답했습니다.
설문은 비용이 지나치게 오를 경우 구매자의 58%가 보험 가입을 포기하는 것을 고려할 것이라고 밝혔으며, Z세대 구매자에서는 그 비율이 76%로 상승했습니다. 보험 문제로 인해 주택 검색자의 33.7%가 검색 지역을 완전히 변경했고, 30%는 초기 목표 지역을 넓혔습니다. 특히 미국 주택의 26%, 가치로는 $12.7조가 심각한 기후 위험에 노출되어 있어 보험료 상승을 초래하고 있습니다.
Realtor.com (NASDAQ:NWSA) a publié une enquête préoccupante sur l'accès à l'assurance habitation, révélant que 75% des acheteurs récents et potentiels craignent que les polices deviennent inabordables. L'étude montre que 88% des personnes interrogées s'attendent à payer davantage pour l'assurance à l'avenir, tandis que 42% ont déjà subi des hausses de coûts.
L'enquête souligne que 58% des acheteurs envisageraient de renoncer à l'assurance si les coûts devenaient trop élevés, taux qui monte à 76% chez les acheteurs de la génération Z. Les difficultés liées aux assurances ont contraint 33,7% des personnes en recherche de logement à changer totalement leur zone de recherche, tandis que 30% ont élargi leur zone cible initiale. Notamment, 26% des habitations américaines, d'une valeur de 12,7 trillions $, sont exposées à des risques climatiques sévères, ce qui contribue à la hausse des primes.
Realtor.com (NASDAQ:NWSA) veröffentlichte eine beunruhigende Umfrage zur Erschwinglichkeit der Wohngebäudeversicherung: 75% der jüngsten und potenziellen Käufer befürchten, dass Versicherungen unbezahlbar werden. Die Studie ergab, dass 88% der Befragten künftig mit höheren Versicherungsprämien rechnet, während 42% bereits Kostensteigerungen erlebt haben.
Die Umfrage hebt hervor, dass 58% der Käufer erwägen würden, auf eine Versicherung zu verzichten, falls die Kosten zu stark steigen – bei Gen Z liegt der Wert bei 76%. Versicherungsprobleme haben 33,7% der Wohnungssuchenden dazu gezwungen, ihr Suchgebiet komplett zu ändern, während 30% ihr ursprüngliches Zielgebiet erweitert haben. Bemerkenswert ist, dass 26% der US-Häuser im Wert von $12,7 Billionen erheblichen Klimarisiken ausgesetzt sind, was zu höheren Prämien beiträgt.
- None.
- Survey reveals 75% of homebuyers concerned about insurance affordability
- 58% of buyers would consider foregoing insurance due to high costs
- 42.1% confirmed increased insurance costs over past 2 years
- Only 30% of buyers research natural disaster risk data for prospective homes
- 26% of U.S. homes ($12.7T in value) face severe climate risks
Half face or expect to face trouble obtaining and renewing insurance, with some saying that they could forgo homeowners insurance altogether
According to the survey, 58 percent of recent and prospective homebuyers said that they would or are likely to forgo homeowners insurance if the costs became too high–a decision some have already made. This increases to 76 percent among Gen Z buyers, even though many of these young buyers are using a mortgage and therefore likely required to have homeowners insurance. 65 percent of those surveyed are worried about obtaining and maintaining their homeowners insurance.
"Homeowners insurance offers financial protection for consumers that may help cover damage to homes and personal property from an extreme weather event or fire, while also providing personal property and liability coverage," said Realtor.com® Chief Economist, Danielle Hale. "But these benefits come with an upfront cost that has risen as weather events have become more frequent and impactful and rebuilding costs climb. Homeowners are looking for strategies to lower costs including adjusting their home searches and potentially short-charging or forgoing coverage altogether."
According to the survey's findings, insurance challenges have forced one third (
Additionally, just 30 percent have looked into the natural disaster risk data for their home or prospective homes, though 44 percent plan to do so in the future.
Gen Z home searchers are more likely to have taken some type of action in their search to potentially mitigate against homeowners insurance challenges compared to other generations, especially Baby Boomers who said that only 6 percent had completely changed their homebuying strategy and only 15 percent had expanded their initial search.
Definitely applies | Probably applies | Does not apply | |
Homeowners insurance has risen in cost over the past 2 years | 42.1 % | 31.3 % | 26.6 % |
Expect to pay more for homeowners insurance in the future | 45.2 % | 43.3 % | 11.5 % |
Faced recent challenges obtaining homeowners insurance | 20.7 % | 27.9 % | 51.4 % |
Faced recent challenges renewing homeowners insurance | 20.1 % | 27.5 % | 52.4 % |
If the cost of homeowner insurance continues to rise, it could | 31.2 % | 44.1 % | 24.7 % |
Would consider foregoing homeowners insurance if the costs | 23.6 % | 35.1 % | 41.3 % |
Worried about obtaining or maintaining homeowners insurance | 27.2 % | 38.0 % | 34.8 % |
Gen Z | Gen Y | Gen X | Baby Boom | |
Completely changed strategy based on insurance challenges | 30.5 % | 25.9 % | 19.9 % | 5.9 % |
Expanded initial target geography | 32.5 % | 32.2 % | 32.8 % | 15.8 % |
Eliminated some desired locations | 35.8 % | 36.0 % | 33.2 % | 25.7 % |
No impact yet, but expect it will in the future | 18.5 % | 19.3 % | 23.7 % | 32.2 % |
No change | 15.9 % | 16.0 % | 14.9 % | 32.9 % |
According to a recent Realtor.com report, 26 percent – representing
Methodology
This sample of 1,000 US adults (aged 18+) was surveyed from August 7th to August 8th, 2025. All respondents indicated that they are currently interested in buying or selling their primary residence or have done so within the past two years.
About Realtor.com®
Realtor.com® pioneered online real estate and has been at the forefront for over 25 years, connecting buyers, sellers, and renters with trusted insights, professional guidance and powerful tools to help them find their perfect home. Recognized as the No. 1 site trusted by real estate professionals, Realtor.com® is a valued partner, delivering consumer connections and a robust suite of marketing tools to support business growth. Realtor.com® is operated by News Corp [Nasdaq: NWS, NWSA] [ASX: NWS, NWSLV] subsidiary Move, Inc.
Media contact: Mallory Micetich, press@realtor.com
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SOURCE Realtor.com
FAQ
What percentage of homebuyers are worried about insurance affordability according to Realtor.com's 2025 survey?
How many U.S. homes are at risk of severe climate events according to Realtor.com?
What percentage of homebuyers would consider foregoing insurance if costs are too high?
How has the insurance situation affected homebuyers' search strategies?
What percentage of homebuyers have experienced increased insurance costs?
