NAIC Seeks Public Comment on Second Exposure Draft of Homeowners Insurance Rate Regulation White Paper

The NAIC Casualty Actuarial and Statistical (C) Task Force (CASTF) has released for public comment a second exposure draft of its white paper, U.S. Homeowners Insurance Rate Regulation: A Regulatory Perspective. The paper examines how homeowners insurance rates are regulated across states, with particular attention to public questions and academic claims regarding potential cross-state subsidization of catastrophic losses.

The second exposure draft incorporates revisions following the initial public comment period, with changes shown as tracked changes.

The exposure period is open through October 26, 2026. CAS members and other interested parties are encouraged to review the revised draft and submit written comments by the deadline.

Comments should be submitted to:

Kris DeFrain
Director, Research & Actuarial Services, NAIC
kdefrain@naic.org

Deadline: October 26, 2026

Read the second exposure draft