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Analysis: Home insurance in Oregon is in crisis
"Market-based approaches are the only solution to these service issues."

Many West Coast homeowners are receiving notice that their homeowner’s insurance is being canceled or increased.

"This is devastating," says Senator Daniel Bonham (R-The Dalles). "The average American can barely afford their current home payments let alone increases averaging hundreds of dollars a month.

"Like any industry, the home insurance industry is at a crossroads. With increasing fires due to poor land management for the past decade, the government jumping to overregulate and the lack of market reserves - insurance companies are either pulling out of states or charging impossible premiums. No one is winning in this current market.

"Attempts to create a government-run insurance plan have been met with homeowner complaints about poor service, rising costs and threats of getting kicked off the plan. Government-run programs quickly learn, what private companies already know - providing services efficiently is a tall order with a lot of nuances.

"As the West Coast moves toward more thoughtful land management practices, states need to put in the work to attract types of companies to the market, not seek to overregulate and create government-run alternatives.

"Market-based approaches are the only solution to these service issues. States need to roll up their sleeves and seek to find regional approaches to insurance coverage. Businesses need to be incentivized to learn the nuances of each area and to come up with new technological advances to make homes safer. Further, the nation needs to streamline insurance regulations to reduce cost pass-throughs to consumers.

"Private industry in partnership with government entities will always provide the best service for a consumer. Home insurance is no different. Learn more about free market insurance concepts here."

Three years after the 2020 Labor Day wildfires, many homeowners were still blocked by regulations to rebuild and their homeowners insurance was running out. If the state worked for the people, as it was designed, the market would work more effectively.


--Donna Bleiler

Post Date: 2024-07-23 19:44:31Last Update: 2024-07-23 21:06:19



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