
Personal Risk: 2026 market outlook
Personal insurance costs are still increasing, but pricing appears to be moderating as the market regains profitability after years of rate hikes.
The Nation's First ISO Registered Independent Insurance Agency
Alison Matas
Director, Communications
Phone: 234.666.2113
alison.smith@schauergroup.com

Personal insurance costs are still increasing, but pricing appears to be moderating as the market regains profitability after years of rate hikes.

Some employer-sponsored health plans are supplemented with a flexible savings account (FSA). An FSA is a tax-free spending account you can build up with funds specially designed for qualifying medical expenses.

When you fill out an application for personal insurance, the insurance company uses a proprietary rating – called an insurance score or a credit-based insurance score – to help determine whether to provide you insurance coverage and how much you will pay for that coverage.
In the dynamic and unpredictable current state of the world, homeowners insurance may be more important than ever.
These policies can play a critical role in helping individuals and families throughout the United States retain financial security; however, as has been the case in recent years, expected market conditions in 2025 may continue to complicate matters.
Click below to read the full market outlook.