During the National Association of Insurance Commissioners’ (NAIC) 2026 Spring National Meeting, state insurance regulators issued a nationwide data call to insurance companies, with the goal of better understanding homeowners insurance markets.
This data call is expected to be the most comprehensive collection of homeowners insurance policy data in the United States.
According to a March 26 bulletin from the NAIC, the data will help regulators assess how coverage options and deductibles affect costs and access, evaluate mitigation efforts, monitor insurers’ financial strength and better understand consumer awareness of insurance options.
The 2026 data call, which has a June 15 submission deadline, covers policy years 2018–2025 and applies to insurers writing at least $50,000 in relevant premium. Requested data includes policy type (home, renter, condo and mobile home), premiums, claims and losses by peril, deductibles, cancellations, non-renewals, coverage limits, replacement cost and actual cash value, and mitigation discounts.
Following validation and analysis, regulators plan to release a public report in early 2027. The public will have an opportunity to comment before the report is finalized. Information regarding public meetings and comment opportunities will be posted on NAIC.org.
The NAIC’s Homeowners Market Data Call Task Force will oversee the data call and communications to NAIC membership. A working group of state insurance regulators will lead development of the public report. Additional information, including data definitions and templates, is available on NAIC.org.
“State insurance regulators are on the frontlines of consumer protection,” Florida Insurance Commissioner and NAIC Homeowners Market Data Call Task Force Chair Mike Yaworsky said in a press release. “Our state-led data call will help equip us with even more information, tools, and resources to not only speed resilience but also increase preparation before severe weather hits. It will also help us ensure companies have the capital they need to quickly and fully pay claims in some of consumers' most vulnerable moments.”