Consumers shift focus to comprehensive coverage and tech-driven claims amid rising severe weather risks
Nearly half of insurance policyholders are prepared to switch providers and pay higher premiums if it means securing stronger protection against severe weather, according to Insurity’s 2025 Severe Weather P&C Consumer Pulse Survey.
The survey reveals that 49 percent of respondents would move to another insurer offering more comprehensive coverage, a notable increase from 36 percent in 2024.
This shift suggests that policyholders are placing greater emphasis on coverage and resiliency rather than price alone.
Confidence in current insurance policies remains limited.
Only 12 percent of respondents described themselves as “very confident” that their insurance would adequately protect them from the financial consequences of severe weather.
Meanwhile, 25 percent reported a lack of confidence in their coverage, highlighting a disconnect between policyholder expectations and the perceived adequacy of existing policies.
The role of technology in claims processing continues to influence consumer choices.
Half of those surveyed indicated they are more likely to purchase coverage from providers investing in new technology to improve claims handling after severe weather events.
This finding is consistent with last year’s results, where 52 percent of consumers expressed the same preference, suggesting that technology-driven claims service is now a standard expectation.
“Consumers are signaling that coverage alone is insufficient,” said Sylvester Mathis, chief revenue and insurance officer at Insurity.
He explained that policyholders are now looking for insurers who provide not just comprehensive coverage, but also “practical tools that accelerate recovery and reduce stress.”
Mathis added that the willingness of consumers to switch providers—even at a higher cost—shows just how much they value confidence and reliability during severe weather situations.
