{"id":4984,"date":"2026-07-10T21:43:14","date_gmt":"2026-07-10T21:43:14","guid":{"rendered":"https:\/\/www.insuracarelife.com\/blog\/pure-insurance-gains-fms-engineering-model-in-high-value-home-push\/"},"modified":"2026-07-10T21:43:14","modified_gmt":"2026-07-10T21:43:14","slug":"pure-insurance-gains-fms-engineering-model-in-high-value-home-push","status":"publish","type":"post","link":"https:\/\/www.insuracarelife.com\/blog\/pure-insurance-gains-fms-engineering-model-in-high-value-home-push\/","title":{"rendered":"Pure Insurance gains FM&#8217;s engineering model in high-value home push"},"content":{"rendered":"<div>\n<p>The partnership arrives at a specific moment of market stress. Admitted carriers have retreated aggressively from high-value personal lines in California, Florida and Texas &#8211; the three states with the highest concentrations of high-net-worth households &#8211; pushing affluent personal lines into the surplus market at the moment demand is accelerating. Some wealthy homeowners have turned to non-admitted coverage as traditional insurers raised deductibles, restricted storm payouts or exited states exposed to wildfires and hurricanes. Non-admitted products originally designed for businesses with unusual risks have expanded substantially as a result. Average annual home insurance costs are projected to reach $3,057 by December 2026, per Insurify&#8217;s 2026 Insuring the American Homeowner Report, up 4% from $2,948 at year-end 2025, with premiums rising in 45 states in 2025 alone.<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>The partnership arrives at a specific moment of market stress. Admitted carriers have retreated aggressively from high-value personal lines in California, Florida and Texas &#8211; the three states with the highest concentrations of high-net-worth households &#8211; pushing affluent personal lines into the surplus market at the moment demand is accelerating. Some wealthy homeowners have turned [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4985,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[4011,4010,4009,3028,210,11,2453,4008,241],"class_list":["post-4984","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-engineering","tag-fms","tag-gains","tag-highvalue","tag-home","tag-insurance","tag-model","tag-pure","tag-push"],"_links":{"self":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts\/4984","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/comments?post=4984"}],"version-history":[{"count":0,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts\/4984\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/media\/4985"}],"wp:attachment":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/media?parent=4984"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/categories?post=4984"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/tags?post=4984"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}