The Home-Insurance Coin Flip: Nearly Half of Claims Result in Zero Payout [View all]
Source: The Wall Street Journal.
Markets & Finance
The Home-Insurance Coin Flip: Nearly Half of Claims Result in Zero Payout
Home insurers pitch policies as a financial peace-of-mind safety net, but in a disaster customers can find the apparent guarantee of compensation evaporates
By Jean Eaglesham and Jaclyn Jeffrey-Wilensky
May 30, 2026 9:00 pm ET
When disaster strikes, many Americans face a near flip-of-the-coin chance that their home insurer will pay a claim.
And the problem is getting worse. The five biggest home-insurers as a group didn’t pay out on more than 44% of claims resolved last year, forcing homeowners and renters to fund repairs out of their own pockets, an analysis by The Wall Street Journal found.
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Insurers pitch homeowners’ policies as a financial peace-of-mind safety net, but in a disaster customers can find the apparent guarantee of compensation evaporates.
The Home-Insurance Coin Flip: Nearly Half of Claims Result in Zero Payout
Home insurers pitch policies as a financial peace-of-mind safety net, but in a disaster customers can find the apparent guarantee of compensation evaporates.
on.wsj.com
10:09 PM · May 30, 2026
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Insurers pitch homeowners’ policies as a financial peace-of-mind safety net, but in a disaster customers can find the apparent guarantee of compensation evaporates.
— The Wall Street Journal (@wsj.com) 2026-05-31T02:09:24.167513Z
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