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Companies and Earnings guides
Catastrophe bonds and home insuranceHow cat bonds let investors, not just reinsurers, back hurricane and wildfire risk, who sponsors them, and what they change for homeowners and their premiums.The combined ratio: reading home insurer resultsWhat a combined ratio of 95 or 108 means for a home insurer, how net, direct and underlying versions differ, and why no single ratio proves a company is sound.Florida's domestic home insurers: who they areWho Florida's home-grown insurers are, how Citizens takeouts and reinsurance shaped them, the 2021-2023 failures, and how to judge the one on your policy.Home insurance industry trends to watchSeven trends shaping homeowners insurance in October 2026: recovering profits, softer reinsurance, shrinking state plans, cat bonds, storm losses and data.Mutual insurers that pay policyholder dividendsWhich mutual and policyholder-owned home insurers sell dividend policies, how a dividend is declared and paid, and why net cost beats a headline percentage.How home insurers make money, and lose itHome insurers earn from underwriting and from investing premiums. How loss ratios, expenses and catastrophe years combined in 2023 to 2025 industry results.Agency consolidation and what it means for your agentBrokers and private-equity-backed buyers keep acquiring independent agencies. What the deal data show, what changes for you, and how to protect your policy.The largest home insurers in every state, 2025The three largest homeowners insurance groups in each state and D.C. by 2025 premiums, with their market shares from NAIC data and what the patterns mean.The 100 largest homeowners insurance companies in the U.S., 2025The NAIC's 2025 ranking of the 100 largest home insurance groups by premiums written, with market shares, what the top 10 hold and how to read size.MGAs and fronting carriers: who really insures your homeMany newer home insurance brands are MGAs writing on a fronting carrier's paper. How the chain works, what regulators require and what to check.Mutual, stock and reciprocal insurers: who owns your insurerHow mutual, stock and reciprocal home insurers differ in ownership, dividends and risk, which big brands use which structure, and what it changes for you.Reading a home insurer's earnings reportHow to read a public home insurer's quarterly release or 10-K: homeowners combined ratio, catastrophe losses, reserve development and premium growth.Reciprocal exchanges: how they workHow a reciprocal exchange works: subscribers, the attorney-in-fact and its fee, surplus contributions, and tradeoffs for Erie, USAA and Farmers policyholders.Reinsurance: the insurers behind your insurerHow reinsurance works for home insurers: quota share vs excess of loss, retentions and towers, state backstops, and what it means for your premium and claim.