Data will provide ZIP code-level insight into coverage, costs, availability, and mitigation efforts
State insurance regulators announced during the National Association of Insurance Commissioner’s 2026 Spring National Meeting that they have issued a nationwide homeowners insurance data call designed to collect detailed market information down to the ZIP code level.
According to the NAIC, the initiative will be “the most comprehensive collection of homeowners insurance policy data in the United States.”
The data call is intended to help regulators:
- Better understand consumer awareness of available insurance options.
- Assess how coverage options and deductibles affect costs and market access;
- Evaluate mitigation efforts;
- Monitor insurers’ financial strength; and
“State insurance regulators are on the frontlines of consumer protection,” said Florida Insurance Commissioner and NAIC Homeowners Market Data Call (C) Task Force Chair Mike Yaworsky. “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.”
Data Call Covers 2018–2025 Policy Years
The 2026 data call applies to insurers writing at least $50,000 in relevant premium and has a submission deadline of June 15, 2026. Regulators said the data request covers policy years 2018 through 2025.
Requested information includes:
- Policy type, including homeowners, renters, condominium, and mobile home coverage;
- Premiums;
- Claims and losses by peril;
- Deductibles;
- Cancellations and non-renewals;
- Coverage limits;
- Replacement cost and actual cash value information; and
- Mitigation discounts.
Public Report Planned for Early 2027
The NAIC said regulators plan to release a public report in early 2027 following validation and analysis of the submitted data. The public will have an opportunity to comment before the report is finalized.
The NAIC said information regarding public meetings and comment opportunities will be posted on NAIC.org.
The NAIC’s Homeowners Market Data Call (C) Task Force will oversee the data call and communications to NAIC membership, while 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.
