Caitlin Constantine

speaker

175 appearances 1 recordings 1 series first heard Feb 2026 last heard 23 Feb

Caitlin Constantine’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 1 in all, peaking in Feb 2026 with 1.

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NerdWallet's Smart Money Podcast · Home Insurance Rate Increases and Psychological Traps That Are Costing You · 23 Feb 2026 podcast

Yes.

Yeah.

And it doesn't seem like it's actually going to get better because there's a lot of analysts out there saying that we're supposed to see probably increases for the next two years, at least.

There's definitely a lot of indicators that this is impacting how people are approaching home buying.

So we recently published a survey that looked at homeownership and environmental risks.

And 15% of the people who don't already own a home, they said that the costs and difficulties of getting home insurance now are preventing them from actually buying a house right now.

So it does have an impact on people's ability to buy a home.

There are two really concerning things that are happening.

The first one is that more people are just going without home insurance altogether.

So once you own your home outright, you don't have a lender and your lender is no longer requiring you to have home insurance.

And so a lot of people, they're like looking at the numbers, they're doing the math and they're thinking that the money that they would have spent on home insurance, they should save that in case they need to make repairs later on.

I've read a few reports and they put the number anywhere from one out of every seven or one out of every eight homeowners in the United States are going without home insurance.

So these are people who if the worst should happen, they're going to have to pay to rebuild and repair their home and their stuff out of pocket.

And we have to be realistic about the fact that a lot of them are probably not going to be able to afford it.

Yeah, it is getting harder in a lot of places.

A lot of us know about what's been going on with California, where several major insurers like Allstate and State Farm have cut back on how much coverage they're doing as a result of all the wildfires that have been out there.

Florida saw a lot of major insurers leave decades ago after Hurricane Andrew.

And so now a lot of homeowners there will end up with a smaller local insurer that they may never have heard of before.

So a growing issue, though, is that now states that have availability issues are starting to force more and more homeowners onto these state run of insurers of last resort.

They're called fair plans, which is fair access to insurance requirements plans.

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