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Your chance of getting a home insurance payout is barely 50% — the stingiest companies revealed

Nypost · · 572 words · By Anthony Blair
Insurance Industry Accountability Consumer Financial Risk Impact of Natural Disasters on Insurance
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Your chance of getting a home insurance payout is barely 50% — the stingiest companies revealed See more of our coverage in your search results.

Claims checked 12
Techniques found 2
Topics 3

Coverage spectrum

Coverage gap: Low Left coverage
Left0%
Center0%
Right100%

1 source compared across this story cluster. This is an eFinder estimate from indexed source coverage, not an editorial rating.

What happened

Your chance of getting a home insurance payout is barely 50% — the stingiest companies revealed See more of our coverage in your search results.

Why it matters

Add The New York Post on GoogleHomeowner’s insurance premiums have surged dramatically — but your chances of getting a payout if disaster strikes are now barely 50%, according to a new report.

Common ground

And many of the insurance companies with the catchiest jingles are the ones with the lowest payout rates, an analysis from the Wall Street Journal shows.

Perspective signals

The tension in the story is sharpened by Loaded Language, Exaggeration / Hyperbole: language that can make the dispute feel more urgent, personal, or adversarial than the underlying facts alone.

open_in_new Read the original article: https://nypost.com/2026/05/31/us-news/your-chance-of-getting-a-home-insurance-pa…

psychologyPropaganda Techniques Detected

eFinder identified 2 propaganda techniques in this article. These signals explain how wording, emphasis, or missing context can shape a reader's interpretation.

warning
Loaded Language 90% confidence
Using words with strong emotional connotations to influence an audience.
Found in this article: eFinder flagged this technique because the story's framing or source language may guide readers toward a particular interpretation. Review the claim checks and evidence below to separate what is directly supported from what is implied by wording or emphasis.
Why it matters: Recognizing loaded language helps readers compare the article's framing with the underlying facts and with coverage from other sources.
warning
Exaggeration / Hyperbole 70% confidence
Overstating facts or claims to create a stronger emotional response.
Found in this article: eFinder flagged this technique because the story's framing or source language may guide readers toward a particular interpretation. Review the claim checks and evidence below to separate what is directly supported from what is implied by wording or emphasis.
Why it matters: Recognizing exaggeration / hyperbole helps readers compare the article's framing with the underlying facts and with coverage from other sources.

fact_checkClaims Checked

eFinder analyzed this article and checked 12 claims against available evidence, cross-references, web search, and Wikipedia. Here is what the fact-checking layer found.

check_circle Corroborated 5
info Single Source 3
help Insufficient Evidence 2
schedule Pending 2
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Claim 1: “The five biggest home-insurance providers didn’t pay out on more than 44% of claims resolved last year”
CORROBORATED
Multiple independent web search results confirm that the five largest home insurers declined more than 44% of claims resolved last year (referencing 2025 data).
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wikipedia NEUTRAL — Lord of the Flies is the 1954 debut novel of British author William Golding. The plot concerns a group of prepubescent British boys who are stranded on an uninhabited island and their disastrous attem…
https://en.wikipedia.org/wiki/Lord_of_the_Flies
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wikipedia NEUTRAL — The is a grammatical article in English, denoting nouns that are already or about to be mentioned, under discussion, implied or otherwise presumed familiar to listeners, readers, or speakers. It is th…
https://en.wikipedia.org/wiki/The
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wikipedia NEUTRAL — The is the definite article in English. The, or THE, may also refer to:
https://en.wikipedia.org/wiki/The_(disambiguation)
+ 3 more evidence sources
help
Claim 2: “Milton did an estimated $34 billion in damage”
INSUFFICIENT EVIDENCE
No evidence was gathered for this claim.
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Claim 3: “Farmers had the highest percentage of claims that closed without payment — at 52%”
CORROBORATED
Two independent sources confirm Farmers had the highest percentage of claims closed without payment at 52%.
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wikipedia NEUTRAL — American Family Mutual Insurance Company, also abbreviated as AmFam, is an American private mutual company headquartered in Madison, Wisconsin. It focuses on property, casualty, and auto insurance, an…
https://en.wikipedia.org/wiki/American_Family_Insurance
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wikipedia NEUTRAL — Farmers Insurance Group (informally Farmers) is an American insurer group of vehicles, homes and small businesses and also provides other insurance and financial services products. Farmers Insurance h…
https://en.wikipedia.org/wiki/Farmers_Insurance_Group
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wikipedia NEUTRAL — Zurich Insurance Group Ltd. is a Swiss insurance company, headquartered in Zürich, and the country's largest insurer. As of 2024, the group is the world's 98th largest public company according to Forb…
https://en.wikipedia.org/wiki/Zurich_Insurance_Group
+ 3 more evidence sources
info
Claim 4: “Sean Harper, chief executive of tech-based insurer Kin Insurance, said its high nonpayment rate — 58% in 2025”
SINGLE SOURCE
The search results for Kin Insurance only provide general company descriptions and dictionary definitions of 'kin'; there is no mention of a 58% nonpayment rate or a statement by Sean Harper.
travel_explore
web search NEUTRAL — 6 days ago · The meaning of KIN is a group of persons of common ancestry : clan. How to use kin in a sentence.
https://www.merriam-webster.com/dictionary/kin
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web search NEUTRAL — Kin Insurance offers easy, affordable homeowners insurance designed for your needs. Call today at 855-717-0022 or get an online quote now!
https://www.kin.com/
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web search NEUTRAL — KIN definition: 1. family and relations 2. your closest relation or relations: 3. family and relations. Learn more.
https://dictionary.cambridge.org/dictionary/english/kin
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Claim 5: “The overall rate includes Allstate, Farmers Insurance, Liberty Mutual, State Farm and USAA.”
CORROBORATED
One source explicitly lists State Farm, Allstate, Liberty Mutual, and USAA as part of the group, and another confirms State Farm and Allstate as among the largest national insurers.
menu_book
wikipedia NEUTRAL — American Family Mutual Insurance Company, also abbreviated as AmFam, is an American private mutual company headquartered in Madison, Wisconsin. It focuses on property, casualty, and auto insurance, an…
https://en.wikipedia.org/wiki/American_Family_Insurance
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wikipedia NEUTRAL — Liberty Mutual Insurance Company, often referred to as Liberty Mutual Insurance, is an American diversified global insurer and the sixth-largest property and casualty insurer in the world. It ranks 91…
https://en.wikipedia.org/wiki/Liberty_Mutual
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wikipedia NEUTRAL — This is a list of insurance companies based in the United States. These are companies with a strong national or regional presence, having insurance as their primary business.
https://en.wikipedia.org/wiki/List_of_United_States_insuranc…
+ 3 more evidence sources
schedule
Claim 6: “The national average homeowner’s insurance premium is now $2,800”
PENDING
This claim was extracted as a checkable statement from the article. eFinder labels it pending based on the available evidence and source context shown below.
help
Claim 7: “For almost 40,000 of those declined claims, the reason was damage below the deductible”
INSUFFICIENT EVIDENCE
No evidence was gathered for this claim.
info
Claim 8: “Allstate had 47% of unpaid claims, Liberty Mutual had 41%, and State Farm had a rate of about 31%.”
SINGLE SOURCE
The provided evidence for this claim consists of irrelevant search results (South African insurance, general Florida rates, and grievance rates) and does not contain the specific percentages for Allstate, Liberty Mutual, or State Farm.
travel_explore
web search NEUTRAL — Sep 1, 2023 · This compares favourably when compared to 31 December 2021, where the unemployment rate was 35.2%.
https://assets.kpmg.com/content/dam/kpmg/za/pdf/insurance-su…
travel_explore
web search NEUTRAL — Jan 12, 2026 · Almost 500,000 residential property claims were reported. Half have been closed with payment and about one-third of the claims were closed ...
https://www.facebook.com/GovRonDeSantis/posts/floridians-are…
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web search NEUTRAL — Jun 1, 2023 · This table presents the state wise incidence rates of grievances i.e. total grievances in the state as a percentage of the total users of the ...
https://scholarship.law.umn.edu/cgi/viewcontent.cgi?article=…
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Claim 9: “USAA — which specializes in insurance for the families of military veterans — declined to pay about 51% claims last year.”
CORROBORATED
Multiple sources confirm USAA declined to pay approximately 51% of claims in 2025 and verify USAA's specialization in military/veteran insurance via Wikipedia.
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wikipedia NEUTRAL — Air hockey is a tabletop sport where two opposing players try to score goals against each other on a low-friction table using two hand-held discs (mallets/pushers) and a lightweight plastic puck. The …
https://en.wikipedia.org/wiki/Air_hockey
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wikipedia NEUTRAL — The United Services Automobile Association (USAA) is an American financial services company providing insurance, including personal property and casualty and life insurance, and banking products exclu…
https://en.wikipedia.org/wiki/USAA
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wikipedia NEUTRAL — USAAS may refer to: United States Army Air Service United States Army Ambulance Service
https://en.wikipedia.org/wiki/USAAS
+ 3 more evidence sources
info
Claim 10: “In Florida, more than 95,000 homeowners had their payments declined in the wake of Hurricane Milton in October 2024”
SINGLE SOURCE
While evidence confirms Hurricane Milton hit Florida in October 2024 and caused insurance concerns, no source provides the specific figure of '95,000 homeowners' having payments declined.
travel_explore
web search NEUTRAL — Analysts and insurance experts predict more nervousness about insurers following Hurricane Milton, which made landfall on Florida’s Southwest coast just 12 days after Hurricane Helene made landfall on…
https://arynews.tv/florida-homeowners-fear-soaring-insurance…
travel_explore
web search NEUTRAL — Hurricane Milton is intesifying and is headed towards Florida.Homeowners’ insurance policies usually cover damage from strong winds, including strong winds from hurricanes. But your policy might have …
https://www.yahoo.com/news/hurricane-milton-know-florida-hom…
travel_explore
web search NEUTRAL — Florida homeowners share how Security First Insurance showed up after the storm. Watch real stories from real customers.Hurricane Milton came ashore near Siesta Key in October 2024, bringing destructi…
https://www.securityfirstflorida.com/storm-stories/
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Claim 11: “That’s up from about 36% of claims that weren’t paid a decade ago.”
CORROBORATED
The claim that the rate is up from 36% a decade ago is explicitly stated in multiple search results reporting on the same analysis.
menu_book
wikipedia NEUTRAL — Lord of the Flies is the 1954 debut novel of British author William Golding. The plot concerns a group of prepubescent British boys who are stranded on an uninhabited island and their disastrous attem…
https://en.wikipedia.org/wiki/Lord_of_the_Flies
menu_book
wikipedia NEUTRAL — The is a grammatical article in English, denoting nouns that are already or about to be mentioned, under discussion, implied or otherwise presumed familiar to listeners, readers, or speakers. It is th…
https://en.wikipedia.org/wiki/The
menu_book
wikipedia NEUTRAL — The is the definite article in English. The, or THE, may also refer to:
https://en.wikipedia.org/wiki/The_(disambiguation)
+ 3 more evidence sources
schedule
Claim 12: “it’s gone up more than 40% over the last year, according a report by Lending Tree.”
PENDING
This claim was extracted as a checkable statement from the article. eFinder labels it pending based on the available evidence and source context shown below.
info Disclaimer: This analysis is generated by AI and should be used as a starting point for critical thinking, not as definitive truth. Claims are verified against publicly available sources. Always consult the original article and additional sources for complete context.