Your chance of getting a home insurance payout is barely 50% — these are the stingiest companies
Homeowner's insurance payouts have plummeted to just over 50%, despite rising premiums. A report indicates that major insurers are denying a significant percentage of claims, with Farmers Insurance leading at 52%. Insurers attribute the decline in payouts to rising costs from natural disasters and increased deductibles.
- ▪Homeowner's insurance premiums have surged dramatically, but payout chances are now barely 50%.
- ▪The five biggest home-insurance providers denied over 44% of claims last year, up from 36% a decade ago.
- ▪Farmers Insurance had the highest percentage of claims closed without payment at 52%, followed by USAA at 51%.
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US News Your chance of getting a home insurance payout is barely 50% — these are the stingiest companies By Anthony Blair Published May 31, 2026, 6:35 p.m. ET See more of our coverage in your search results. Add The New York Post on Google Homeowner’s insurance premiums have surged dramatically — but your chances of getting a payout if disaster strikes are now barely 50%, according to a new report. And many of the insurance companies with the catchiest jingles are the ones with the lowest payout rates, an analysis from the Wall Street Journal shows. 4 Homeowner’s insurance premiums are soaring, but your chances of a payout are now barely 50%.
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