金融健康网络报告称全美房主保险成本攀升挤压家庭财务：仅54%家庭有信心保险能在紧急时赔付，为2018年追踪以来最低
金融健康网络发布的一份新报告把房主保险的可负担性列为全国家庭财务议题。这份题为《成本上升、保障缩水：房主保险如何影响财务健康》的报告由摩根大通支持，是该机构研究保险市场变化系列的第一份，11 月 10 日在芝加哥公布，后续报道于 11 月 12 日继续刊出。
报告综合已有研究，并访谈了 30 多名专家，包括监管人员、再保险经纪、抵押贷款机构与消费者倡导者。报告称，保费上涨与保障选项减少正在挤压家庭预算、威胁房屋净值，并使储蓄、积累财富与购房变得更难。
该机构《金融健康脉搏 2026 美国趋势报告》显示，只有 54% 的美国家庭对自家保险能在紧急情况下赔付表示至少有一定信心，是 2018 年开始追踪以来的最低值。报告引用的保险研究委员会数据显示，保险支出占家庭收入的比重已由 2000 年的 1.2% 升至 2022 年的 2.1%。
报告还引用芝加哥联邦储备银行的研究，称年保费增加 1000 美元与抵押贷款拒批显著上升相关；另一项达拉斯联邦储备银行的研究把保费上涨与错过房贷还款的可能性上升联系起来。报告并指出，2018 年至 2023 年间有 35 个州的不续保率上升，报告以四个州为案例说明各地市场压力的差异。
该机构接下来将开展包含全国代表性家庭调查的混合方法研究，调查结果与十多个房主的亲历故事将于 2027 年公布。
A Financial Health Network Report Finds Rising Home Insurance Costs Straining Household Finances Across the United States: Only 54 Percent of Households Are Confident Their Insurance Would Cover an Emergency, the Lowest Since Tracking Began in 2018
A new report from the Financial Health Network puts homeowners insurance affordability on the national financial health agenda. The report, Rising Costs, Shrinking Coverage: How Homeowners Insurance Shapes Financial Health, is supported by JPMorganChase and is the first in a series examining the changing market. It was released in Chicago on November 10, with further coverage published on November 12.
The report combines a review of existing research with structured interviews of more than 30 experts, including regulators, reinsurance brokers, mortgage lenders and consumer advocates. It says rising premiums and shrinking coverage options are straining household budgets, threatening home equity, and making it harder to save, build wealth and buy homes.
Its Financial Health Pulse 2026 United States Trends Report found that only 54 percent of households were at least somewhat confident their insurance would cover them in an emergency, the lowest share since tracking began in 2018. Insurance Research Council data cited in the report shows insurance taking a share of household income that rose from 1.2 percent in 2000 to 2.1 percent in 2022.
Research from the Federal Reserve Bank of Chicago cited in the report links a 1,000 dollar increase in annual premiums to a significant rise in mortgage denials, and Federal Reserve Bank of Dallas research links higher premiums to a greater likelihood of missed mortgage payments. The report also notes that nonrenewal rates increased in 35 states between 2018 and 2023, and uses four state case studies.
A follow up mixed methods study, including a nationally representative household survey, is under way, with findings and homeowner stories to be published in 2027.
来源：金融健康网络
发布：GSM·美国（发布链接）
图片来源：图：Suburban houses near a forest (Unsplash).作者与授权：Nathan Anderson nathananderson，CC0，维基共享资源。 / Photo: Suburban houses near a forest (Unsplash). Wikimedia Commons (Nathan Anderson nathananderson, CC0).
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