美国家庭保险费率在2023年猛涨11.3%,佛罗里达的保险费每年高达11 000美元。 U.S. home insurance rates surged 11.3% in 2023, with Florida seeing premiums hit $11,000 yearly.

美国的家庭保险费率在2023年上升了11.3%,原因是由于自然灾害更频繁导致建筑成本和保险付款增加。 Home insurance rates in the U.S. rose by 11.3% in 2023, driven by higher construction costs and insurance payouts due to more frequent natural disasters. 分析师预测2024年将增加6%。 Analysts predict a 6% increase in 2024. 佛罗里达州受到飓风的沉重打击,平均每年的保险费为11 000美元。 Florida, hit hard by hurricanes, sees average premiums of $11,000 per year. 保险人正在探索参数保险,以管理成本,为具体事件提供预先确定的付款办法。 Insurers are exploring parametric insurance to manage costs, offering predefined payouts for specific events. 再保险费率也提高了,使承保负担能力复杂化。 Reinsurance rates have also increased, complicating coverage affordability.