A letter from Open Insurance: We built Open because owners never controlled the data that decides their insurance

Report

State of the Market: 2026 Outlook

AmwinsDecember 9, 20252 min read

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Market Overview

Amwins explains why property got cheaper: a wave of new insurers, syndicates, and MGAs entered the market, and rate cuts commonly ran from high single digits to 25% or more in 2025. Owners are winning back lower deductibles and broader wording. Liability is tighter, especially for apartment and hospitality portfolios. The advice is to reinvest savings into valuations and building improvements rather than pocket them.

About Amwins

Amwins is a specialty insurance distributor operating across brokerage, underwriting, global risks, and group-benefit solutions. Its real estate capabilities sit within a broader specialty platform spanning property, casualty, construction, hospitality, environmental, healthcare, manufacturing, and other sectors.

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