libertystreeteconomics.newyorkfed.org/2026/10/insured-but-still-on-the-hook-who-bears-the-most-risk-in-homeowners-insurance Insured, but Still on the Hook: Who Bears the Most Risk in Homeowner’s Insurance?
Homeowners insurance still leaves policyholders exposed to 29 percent of expected losses, even though curbing moral hazard costs insurers little, new contract-level estimates show. Lower-FICO borrowers pay more for protection yet retain the most uninsured risk.
— via Fed Reserve — Liberty Street
