再保险价格下跌可能会降低路易斯安那州房主的费率,但气候风险和市场谨慎限制了广泛的救济。 Reinsurance price drops may lower Louisiana homeowners' rates, but climate risks and market caution limit widespread relief.

在飓风和野火引发多年高额再保险成本之后,由于飓风季节平静和保险费上涨,该行业的利润强劲,导致再保险价格下跌10%至20%。 After years of high reinsurance costs driven by hurricanes and wildfires, the industry is seeing strong profits due to quiet hurricane seasons and elevated premiums, leading to a 10% to 20% drop in reinsurance prices. 这一转变可能有助于降低路易斯安那州房主的保险费率,因为那里的保险费已经飙升,尽管保险公司对高风险地区,特别是老年住宅的写作政策仍保持谨慎。 This shift may help lower homeowners’ insurance rates in Louisiana, where premiums had soared, though insurers remain cautious about writing policies in high-risk areas, especially for older homes. 包括保险专员Tim Temple在内的国家官员正在推广沿海复原力和建筑标准,以吸引更多的保险公司,但由于持续的气候风险和市场犹豫不决,普遍降低利率尚未得到保障。 State officials, including Insurance Commissioner Tim Temple, are promoting coastal resilience and building standards to attract more insurers, but widespread rate reductions are not yet guaranteed due to ongoing climate risks and market hesitancy.