{"id":349271,"date":"2025-11-07T12:22:29","date_gmt":"2025-11-07T17:22:29","guid":{"rendered":"https:\/\/www.reviews.com\/?p=349271"},"modified":"2025-11-07T12:22:29","modified_gmt":"2025-11-07T17:22:29","slug":"homeowners-insurance-and-covid19-precautions","status":"publish","type":"post","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/homeowners-insurance-and-covid19-precautions\/","title":{"rendered":"Homeowners Insurance and COVID-19: Relief Options and Considerations for Our New Reality"},"content":{"rendered":"\n<p>The COVID-19 pandemic\u2019s emergency phase has ended, but its ripple effects on housing and insurance persist. Households are contending with higher insurance costs and tighter availability in some regions, while remote and hybrid work remain structurally elevated (roughly 28\u201330% of paid U.S. workdays are still done from home), which can change coverage needs and risk profiles <a href=\"https:\/\/wfhresearch.com\/\">according to WFH Research<\/a>.<\/p>\n\n\n\n<p>Mortgage relief has also transitioned from the broad, automatic COVID-era forbearance and foreclosure moratoria to permanent, case-by-case tools. If you\u2019re struggling, today\u2019s options typically include short-term forbearance, payment deferrals, streamlined modifications, FHA Partial Claims and Payment Supplement, and (for VA borrowers) the new VA Servicing Purchase program; many states are also finishing out remaining Homeowner Assistance Fund dollars. Start by contacting your servicer and reviewing official resources from the <a href=\"https:\/\/www.consumerfinance.gov\">CFPB<\/a>, <a href=\"https:\/\/www.hud.gov\/program_offices\/housing\/sfh\/nsc\/lossmit\">HUD\/FHA<\/a>, and the <a href=\"https:\/\/www.benefits.va.gov\/HOMELOANS\/servicers_valinks.asp\">VA<\/a>, and check Treasury\u2019s <a href=\"https:\/\/home.treasury.gov\/policy-issues\/coronavirus\/assistance-for-state-local-and-tribal-governments\/homeowner-assistance-fund\">Homeowner Assistance Fund<\/a> to see if support is still available in your state.<\/p>\n\n\n\n<p>But meeting mortgage payments aren\u2019t homeowners\u2019 only concern. If you own your home, you may also be worried about rising costs and eligibility for <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">homeowners insurance<\/a> as insurers respond to elevated catastrophe losses, higher rebuilding costs, and reinsurance prices. The <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">Insurance Information Institute (III)<\/a> tracks these trends in the latest national statistics.<\/p>\n\n\n\n<p>Broad, COVID-specific premium grace periods and moratoria have sunset. Today, help typically comes through standard hardship arrangements from your carrier (such as short extensions or installment plans), consumer assistance from your state department of insurance, access to last-resort coverage like FAIR Plans when private coverage isn\u2019t available, and mitigation incentives that can lower premiums after you reduce risk. For practical next steps, see the CFPB\u2019s guidance on what to do if you can\u2019t get homeowners insurance <a href=\"https:\/\/www.consumerfinance.gov\">here<\/a>, the III\u2019s explainer on <a href=\"https:\/\/www.iii.org\/article\/what-is-a-fair-plan\">FAIR Plans<\/a>, and state-level policy responses summarized by <a href=\"https:\/\/www.pewtrusts.org\">The Pew Charitable Trusts<\/a>.<\/p>\n\n\n\n<p>Furthermore, it\u2019s a good time to shop broadly if you\u2019re unhappy with your current policy. Not every insurer is writing new business in every area, and pricing and discounts vary widely. Compare quotes across multiple carriers and channels, ask about mitigation credits and deductible options, and, if you can\u2019t find a private policy, ask your agent or state regulator about FAIR Plan eligibility and other market-access resources <a href=\"https:\/\/www.consumerfinance.gov\">(CFPB)<\/a> and <a href=\"https:\/\/www.iii.org\/article\/what-is-a-fair-plan\">(III)<\/a>.<\/p>\n\n\n\n<p>Here, you\u2019ll get an updated view of how the post\u2013COVID-19 environment affects homeowners insurance in 2025, including coverage considerations for remote work and home-based businesses, what insurers and states are doing now (hardship help, FAIR Plans, and mitigation programs), and practical ways to save or stay covered\u2014plus where to turn if you\u2019re denied or nonrenewed.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">In This Article<\/h4>\n\n\n\n<ul><li><a href=\"#covid\">Homeowners Insurance After COVID\u201119: What Changed and What Still Matters<\/a><\/li><li><a href=\"#considerations\">Home Insurance Considerations for Our New Reality<\/a><\/li><li><a href=\"#relief\">Insurer Assistance, FAIR Plans, and Mitigation Programs<\/a><\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"covid\">Homeowners Insurance and COVID-19: Changing Your Mindset During the Pandemic<\/h2>\n\n\n\n<p>The pandemic sparked lasting lifestyle changes that may impact your homeowners insurance. With remote\/hybrid work still common, it\u2019s harder to draw a clean line between home and work. That can affect what\u2019s covered, how much coverage you need, and which discounts you can earn\u2014for example, if you invest in risk-reduction upgrades. <a href=\"https:\/\/wfhresearch.com\/\">WFH Research<\/a> continues to show a large, steady share of workdays done from home.<\/p>\n\n\n\n<p>When home becomes your primary workplace, revisit your policy to <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/how-much-home-insurance-do-i-need\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"look for potential gaps in coverage (opens in a new tab)\">look for potential gaps in coverage<\/a>. Standard homeowners policies often have low sublimits for business property (commonly around $2,500 on\u2011premises and about $500 off\u2011premises) and typically exclude business liability. Depending on your situation, you may need to raise business property limits via endorsement, add an in\u2011home business policy, or move to a Businessowners Policy for broader property, liability, and business income protection\u2014see the <a href=\"https:\/\/www.iii.org\/article\/home-based-business-insurance\">Insurance Information Institute<\/a> and the <a href=\"https:\/\/content.naic.org\">NAIC<\/a> for details. If you\u2019re a W\u20112 employee using employer-owned equipment, confirm that your employer insures that gear.<\/p>\n\n\n\n<p>Similarly, adult children who move back home are usually covered as residents of your household for their personal property, but it\u2019s still wise to check policy limits and inventories\u2014especially for high\u2011value items that may need scheduled coverage.<\/p>\n\n\n\n<p>If you\u2019re renting out a room or accessory space to generate income, remember that your homeowners policy won\u2019t cover a renter\u2019s belongings. Ask tenants to carry their own renters insurance, and talk with your agent about whether your hosting or rental activity requires an endorsement or different policy form.<\/p>\n\n\n\n<p>It\u2019s especially important to be clear about who and what is covered when you\u2019re cohabiting. The contents portion of your policy covers the belongings of the named insured(s) and resident relatives, not temporary guests or tenants. Asking guests to purchase renters insurance is the safest approach for their property and liability needs.<\/p>\n\n\n\n<p>Post\u2011pandemic, the biggest pressures on homeowners insurance have come from elevated catastrophe losses and higher repair costs\u2014not simply from people spending more time at home. Recent analyses point to persistently high insured weather losses and rising claim severities, particularly for non\u2011weather water and fire. See <a href=\"https:\/\/www.swissre.com\/institute\/research\/sigma-research\/\">Swiss Re\u2019s sigma<\/a> on multi\u2011year catastrophe losses and <a href=\"https:\/\/risk.lexisnexis.com\">LexisNexis Home Trends<\/a> for peril-by-peril frequency and severity trends.<\/p>\n\n\n\n<p>To manage risk at home, consider practical mitigation steps like installing smart leak detection and hardening your property against local hazards (wind, hail, wildfire). Some states fund inspections and grants that can reduce losses and potentially lower premiums\u2014examples include Florida\u2019s <a href=\"https:\/\/mysafeflhome.com\">My Safe Florida Home<\/a> and Alabama\u2019s <a href=\"https:\/\/strengthenalabamahomes.com\/\">Strengthen Alabama Homes<\/a>.<\/p>\n\n\n\n<p>Finally, right-size your liability protection. If your household is busier or you host more often, discuss higher liability limits or a personal umbrella policy with your agent so your coverage aligns with your risk tolerance and budget.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>What the COVID\u201119 era means for new homebuyers now<\/strong><\/h3>\n\n\n\n<p>Conditions for first\u2011time buyers remain challenging. Home prices surged during the pandemic and mortgage rates later spiked, pushing typical payments to near modern highs. Harvard\u2019s Joint Center for Housing Studies reports that monthly payments for a typical purchase roughly doubled versus 2019, with affordability near multi\u2011decade lows, and a \u201crate lock\u2011in\u201d effect limiting resale inventory <a href=\"https:\/\/www.jchs.harvard.edu\/state-nations-housing-2024\">(State of the Nation\u2019s Housing)<\/a>. The National Association of Realtors reports first\u2011time buyers made up 32% of purchasers in 2023, below long\u2011run norms <a href=\"https:\/\/www.nar.realtor\">(NAR)<\/a>, while <a href=\"https:\/\/www.freddiemac.com\/pmms\">Freddie Mac\u2019s PMMS<\/a> shows rates well above 2020\u20132021 levels.<\/p>\n\n\n\n<p>Mortgage lenders require homeowners insurance at closing, and in some areas you may also need flood insurance. If you encounter coverage denials or nonrenewals during your purchase, talk to multiple agents, ask about mitigation-related discounts, and consult your state department of insurance about last-resort options like FAIR Plans and market-assistance programs; see the CFPB\u2019s guide to next steps <a href=\"https:\/\/www.consumerfinance.gov\">here<\/a> and the III\u2019s primer on <a href=\"https:\/\/www.iii.org\/article\/what-is-a-fair-plan\">FAIR Plans<\/a>. You must provide proof of insurance before your lender will close your loan.<\/p>\n\n\n\n<p>Most home insurance policies cover risks like wind, hail, fire, and vandalism, but limits and deductibles vary. Aim for coverage sufficient to fully rebuild your home after a total loss, and understand any special deductibles (e.g., hurricane or wind\/hail) that apply in your area.<\/p>\n\n\n\n<p>Official data show the average U.S. homeowners insurance expenditure was about $1,411 in 2022, with indicators pointing to continued increases since then <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">(III\/NAIC)<\/a> and the CPI\u2019s household insurance index showing sustained year\u2011over\u2011year growth <a href=\"https:\/\/www.bls.gov\/cpi\/\">(BLS CPI)<\/a>. Weather risk has also remained elevated in recent years <a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">(NOAA)<\/a>. Treat older \u201cone\u2011number\u201d decade-change estimates cautiously until newer official averages are published<a href=\"https:\/\/www.prnewswire.com\/news-releases\/homeowners-insurance-premiums-increased-59-over-the-past-decade-valuepenguincom-finds-301070517.html\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\"> (opens in a new tab)<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"considerations\">Home Insurance Considerations for Our New Reality<\/h2>\n\n\n\n<p>There are practical steps you can take to control costs, avoid coverage gaps, and improve insurability. Below are actions tailored to today\u2019s environment of higher premiums, tighter availability in some regions, and enduring remote work:<\/p>\n\n\n\n<ul><li><strong>Reconsider your provider. <\/strong>If your current provider can\u2019t meet your needs, shop across multiple carriers and independent agents. Ask specifically about mitigation credits and deductible options, and if you\u2019re denied or nonrenewed, consult your state department of insurance about FAIR Plan eligibility and other placement help <a href=\"https:\/\/www.consumerfinance.gov\">(CFPB)<\/a> and <a href=\"https:\/\/www.iii.org\/article\/what-is-a-fair-plan\">(III)<\/a>.<\/li><li><strong>Review your liability coverage. <\/strong>If your household has changed or you\u2019re hosting more often, consider increasing liability limits and evaluating a personal umbrella policy. Make sure your deductibles and coverage terms match your risk tolerance and budget.<\/li><li><strong>Explore mitigation discounts and grants. <\/strong>Many states and insurers offer premium credits for risk-reduction upgrades (e.g., wind or wildfire mitigation), and some states provide grants or free inspections. Examples include Florida\u2019s <a href=\"https:\/\/mysafeflhome.com\">My Safe Florida Home<\/a>, Louisiana\u2019s <a href=\"https:\/\/ldi.la.gov\/fortifyhomes\">Fortify Homes Program<\/a>, and Alabama\u2019s <a href=\"https:\/\/strengthenalabamahomes.com\/\">Strengthen Alabama Homes<\/a>. Check your state DOI for programs and approved credits.<\/li><li><strong>Revise your budget. <\/strong>If higher premiums are straining your finances, reallocate spending toward essential housing costs and consider higher deductibles you can afford in a claim. If your insurance is escrowed, coordinate with your mortgage servicer early to avoid force\u2011placed coverage <a href=\"https:\/\/www.consumerfinance.gov\">(CFPB)<\/a>.<\/li><li><strong>Take advantage of discounts. <\/strong>Many insurers still offer loss\u2011mitigation, loyalty, multi\u2011policy, and protective\u2011device <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/lower-home-insurance-premium\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"discounts (opens in a new tab)\">discounts<\/a>. Ask your agent to re\u2011rate your policy after any certified mitigation improvements.<\/li><li><strong>Get proactive if you can\u2019t make payments. <\/strong>Contact your insurer before a missed payment. Many carriers can offer short extensions or installment options depending on state rules. If you face cancellation or nonrenewal, your state department of insurance can explain appeal rights and last\u2011resort options <a href=\"https:\/\/www.consumerfinance.gov\">(CFPB)<\/a>.<\/li><li><strong>Consider a home business endorsement. <\/strong>For remote workers and home\u2011based businesses,<strong> In short:<\/strong> add the right protection for business property and liability. Homeowners policies often cap business property (around ~$2,500 on\u2011premises\/~$500 off\u2011premises) and exclude business liability; an endorsement, in\u2011home business policy, or full Businessowners Policy may be appropriate. See the <a href=\"https:\/\/www.iii.org\/article\/home-based-business-insurance\">III<\/a>, <a href=\"https:\/\/content.naic.org\">NAIC<\/a>, and the <a href=\"https:\/\/www.sba.gov\/business-guide\/launch-your-business\/get-business-insurance\">SBA<\/a> for coverage comparisons.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"relief\">Insurance Companies Providing Financial Relief<\/h2>\n\n\n\n<p>Insurers\u2019 COVID\u2011specific relief programs (blanket grace periods, late\u2011fee waivers, and moratoria on cancellations) were time\u2011limited and have ended. In 2025, assistance is generally provided case\u2011by\u2011case through standard hardship options, while states are focusing on access to coverage via FAIR Plans and on mitigation programs that can lower risk and premiums. If you\u2019re struggling to find or afford coverage, review the CFPB\u2019s step\u2011by\u2011step guide <a href=\"https:\/\/www.consumerfinance.gov\">here<\/a> and learn about <a href=\"https:\/\/www.iii.org\/article\/what-is-a-fair-plan\">FAIR Plans<\/a> (for example, Colorado\u2019s plan: <a href=\"https:\/\/doi.colorado.gov\">details<\/a>).<\/p>\n\n\n\n<p>Here are some of the <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\">best homeowners insurance companies<\/a> to contact about current billing flexibility and hardship assistance (note that pandemic\u2011era pages may be archived and programs vary by state):<\/p>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Allstate<\/strong><\/td><td>Allstate homeowners and auto insurance customers can ask about standard hardship options such as billing plan changes, short extensions, or installments; pandemic\u2011specific relief has sunset. One usage\u2011based option on the auto side remains Allstate\u2019s Milewise program, a <a href=\"https:\/\/www.reviews.com\/insurance\/car\/pay-per-mile\/\">pay-per-mile auto insurance<\/a> plan. Contact Allstate or your agent for current assistance in your state.<\/td><\/tr><tr><td><strong>American Family<\/strong><\/td><td><a href=\"https:\/\/www.amfam.com\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">American Family Insurance<\/a> advises policyholders to discuss payment assistance and deferment arrangements on a case\u2011by\u2011case basis; most COVID\u2011era programs have expired. Call American Family to review options for your policy and state.<\/td><\/tr><tr><td><strong>Amica<\/strong><\/td><td>Depending on state rules, <a href=\"https:\/\/www.amica.com\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Amica<\/a> can work with customers on payment flexibility consistent with current regulations. Prior moratoria and blanket grace periods tied to COVID\u201119 have ended; contact Amica to discuss available accommodations.<\/td><\/tr><tr><td><strong>Erie Insuranc<\/strong>e<\/td><td><a href=\"https:\/\/www.erieinsurance.com\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Erie Insurance<\/a> continues to offer billing flexibility where permitted and provides identity recovery services on some policies; time\u2011limited COVID relief programs have sunset. Speak with your agent about current options.<\/td><\/tr><tr><td><strong>Farmers Insurance<\/strong><\/td><td><a href=\"https:\/\/www.farmers.com\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Farmers<\/a> homeowners customers can inquire about available hardship arrangements and, if applicable, options tied to endorsements like IdentityShield. COVID\u2011specific relief initiatives have ended; contact Farmers for state\u2011specific assistance.<\/td><\/tr><tr><td><strong>Geico<\/strong><\/td><td><a href=\"https:\/\/www.geico.com\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Geico<\/a> may offer payment accommodations consistent with state guidance; pandemic\u2011related pauses on cancellations have expired. Contact Geico to review current options.<\/td><\/tr><tr><td><strong>Hanover Insurance Group<\/strong><\/td><td><a href=\"https:\/\/www.hanover.com\/COVID-19\/customers.html\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Hanover Insurance Group<\/a> offers tools like virtual inspections and can discuss billing flexibility under current state rules. Temporary COVID programs have expired; ask your agent about today\u2019s accommodations.<\/td><\/tr><tr><td><strong>Liberty Mutual<\/strong><\/td><td><a href=\"https:\/\/www.libertymutual.com\/covid-19\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Liberty Mutual<\/a> provides payment flexibility that varies by state and policy; prior COVID moratoria have ended. The company may offer installment plans to help customers manage balances\u2014contact Liberty Mutual for details.<\/td><\/tr><tr><td><strong>Progressive<\/strong><\/td><td><a rel=\"noreferrer noopener\" href=\"https:\/\/www.progressive.com\/support\/covid19\/\" target=\"_blank\">Progressive<\/a> continues to align with state billing guidelines and offers individualized payment assistance; COVID\u2011specific relief measures have sunset. Speak with Progressive or your agent to discuss options available to you.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">The Bottom Line<\/h2>\n\n\n\n<p>Many households are still navigating higher housing costs in the wake of COVID\u201119\u2019s market shifts. On the insurance side, elevated catastrophe losses, rebuilding costs, and reinsurance prices have driven widespread premium increases and tighter availability in some areas.<\/p>\n\n\n\n<p>If you\u2019re struggling to pay or find homeowners insurance, contact your insurer early to discuss hardship options, shop widely, and consult your state department of insurance about FAIR Plan access and consumer assistance. If your policy is escrowed, coordinate promptly with your mortgage servicer to avoid force\u2011placed coverage <a href=\"https:\/\/www.consumerfinance.gov\">(CFPB)<\/a>.<\/p>\n\n\n\n<p>There are many considerations when revising your homeowners insurance. Start by right\u2011sizing coverage for today\u2019s risks, pursuing mitigation that can earn discounts, and building a proactive shopping plan\u2014steps that can help you stay protected while keeping costs as manageable as possible.<br><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The COVID-19 pandemic\u2019s emergency phase has ended, but its ripple effects on housing and insurance persist. Households are contending with higher insurance costs and tighter availability in some regions, while remote and hybrid work remain structurally elevated (roughly 28\u201330% of paid U.S. workdays are still done from home), which can change coverage needs and risk [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":349274,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1268,1263],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Homeowners Insurance and COVID-19: Relief Options and Considerations for Our New Reality | Reviews.com<\/title>\n<meta name=\"description\" content=\"The COVID-19 pandemic disrupted almost every aspect of American life, and many people are struggling with pay cuts, furloughs, and unemployment.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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