March 21, 2024· 70 min

Why Home Insurance Markets in California and Florida Imploded

Amias Gerety RJ Lehmann

Orality

Model

50%

Speaker Breakdown

HostJoe Weisenthal(2,595 words)

M:29%

HostTracy Alloway(3,844 words)

M:28%

GuestAmias Gerety(3,176 words)

M:26%

GuestRJ Lehmann(2,392 words)

M:28%

Oral Indicators

Agonistic31%

literally, completely, basically

Engagement56%

you, our, your

Memory Aids100%

listen, now, like

Repetition100%

like (135x), insurance (104x), about (84x)

Parallelism99%

And I'm Tracy Alloway...., But There should be more of th..., And so their decisions have ac...

Sound Patterns82%

106 question(s), alliteration: "markets move", alliteration: "barclays brief"

Formulaic Phrases2%

i mean

Literate Indicators

Hedging6%

probably, maybe, may

Passive Voice9%

are often, be when, be compensated

Abstract Nouns16%

investment, recommendation, journalism

Subordination8%

because, while, until

Sentence Length35%

Avg: 13.8 words/sentence

Word Complexity50%

investment, analyze, anticipate

Academic Markers0%

Impersonal Style44%

731 personal pronouns found

Descriptive Style100%

literally, completely, generally

Description

In recent years, we've seen home insurance premiums soar by historic amounts. Not only have prices gone up, but in some instances, we've seen national carriers simply announce that they're abandoning certain states. So, what's behind the mess? Why isn't competition causing markets to come into balance? What is the role of state insurance regulators? On this episode we speak with two guests who help us understand the problem. Amias Gerety is a partner at QED Investors, and a board member for the insurance company Kin. RJ Lehmann is the editor-in-chief for the International Center for Law & Economics. The two of them discuss insurance from both the financial side and the regulatory side. They explain where things have gone wrong and the prospects for market stabilization. See omnystudio.com/listener for privacy information.

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