Nationally, even though the commercial insurance market is viewed as going through one of its inevitable soft pricing cycles, the picture is entirely different when it comes to homeowners coverage, particularly for those along the catastrophe-exposed coasts–although that might be changing as competition for inland areas heightens.

In two reports from Aon Re, the homeowners line is viewed as volatile and unprofitable. One report–”Insurance Risk Study: United States”–notes that due to the Atlantic hurricane seasons of 2004 and 2005, homeowners was the “most volatile major insurance line in the 15-year period of 1992 to 2006.”

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