Insurity Survey Reveals Half of Consumers Would Switch Insurers and Pay Higher Premiums for Better Severe Weather Coverage

September 11, 2025 at 10:52 AM EDT

Consumer confidence in current coverage remains low, with only 12% feeling fully protected against severe weather risks

Insurity, a leading provider of cloud-based software for insurance carriers, brokers, and MGAs, today shared findings from its 2025 Severe Weather P&C Consumer Pulse Survey, showing that nearly half of policyholders are willing to switch providers and pay more if it means gaining stronger protection against severe weather. Forty-nine percent of respondents said they would switch to another insurer offering more comprehensive coverage, even at a higher premium, underscoring the need for insurers to differentiate themselves on coverage and resiliency, rather than solely on price.

The survey also revealed that consumer confidence in current policies remains shaky. Only 12% of respondents reported feeling “very confident” that their insurance adequately protects them from the financial impacts of severe weather, while a quarter admitted they were not confident. This lack of confidence highlights a growing disparity between what policyholders believe they need and what they perceive their policies currently provide.

Technology continues to play an essential role in how consumers evaluate insurers. Half of respondents said they are more likely to purchase coverage from a provider actively investing in new technology to improve claims processing after severe weather events. This echoes last year’s results, when 52% of consumers shared the same sentiment, suggesting that technology-driven claims handling has become a consistent expectation rather than a passing trend.

Compared to 2024 survey results, the willingness of consumers to switch insurers has risen sharply. Last year, only 36% of policyholders said they would consider switching for more comprehensive coverage, marking a significant year-over-year increase to 49% in 2025. This shift reflects the growing urgency consumers feel as extreme weather continues to disrupt communities and expose vulnerabilities in existing policies.

“Consumers are signaling that coverage alone is insufficient,” said Sylvester Mathis, Chief Revenue and Insurance Officer at Insurity. “They’re seeking insurers who can offer comprehensive coverage combined with practical tools that accelerate recovery and reduce stress. The willingness to switch providers, even at a higher cost, demonstrates how much policyholders prioritize confidence and reliability during severe situations weather.”

This survey was conducted in August 2025, and more than 1,000 adult participants were randomly selected across the United States to ensure a representative sample. Respondents were asked a series of 9 questions to gauge their opinions on severe weather and its impact on their P&C insurance coverage.

To learn more about Insurity’s 2025 Severe Weather P&C Consumer Pulse survey, please reach out to Elizabeth.Hutchinson@insurity.com.

About Insurity

Insurity is a leading provider of cloud-based software for insurance carriers, brokers, and MGAs. Insurity is trusted by 22 of the top 25 P&C carriers and 7 of the top 10 MGAs in the US and has over 400 cloud-based deployments. Through its best-in-class digital platform, unrivaled industry experience, and the industry's most robust analytics offerings, Insurity is uniquely positioned to deliver exceptional value, empowering customers to focus on their core businesses, optimize their operations, and provide superior policyholder experiences. Insurity is a portfolio company of GI Partners and TA Associates. For more information, visit www.insurity.com.