1、ISafeguarding Home Insurance:Reducing exposure and vulnerability to extreme weatherMay 2025IIMaryam GolnaraghiDirector Climate Change&Environment Geneva Association Zhelyan VichevJunior Researcher,Climate Change&Environment Geneva AssociationSafeguarding Home Insurance:Reducing exposure and vulnerab

2、ility to extreme weather2Geneva AssociationThe Geneva Association was created in 1973 and is the only global association of insurance companies;our members are insurance and reinsurance Chief Executive Officers(CEOs).Based on rigorous research conducted in collaboration with our members,academic ins

3、titutions and multilateral organisations,our mission is to identify and investigate key trends that are likely to shape or impact the insurance industry in the future,highlighting what is at stake for the industry;develop recommendations for the industry and for policymakers;provide a platform to ou

4、r members and other stakeholders to discuss these trends and recommendations;and reach out to global opinion leaders and influential organisations to highlight the positive contributions of insurance to better understanding risks and to building resilient and prosperous economies and societies,and t

5、hus a more sustainable world.Geneva Association publications:Pamela Corn,Director CommunicationsHannah Dean,Editor&Content ManagerJooin Shin,Digital Content&Design ManagerSuggested citation:Geneva Association.2025.Safeguarding Home Insurance:Reducing exposure and vulnerability to extreme weather.Aut

6、hors:Maryam Golnaraghi and Zhelyan Vichev.May.Geneva Association,2025 All rights reservedwww.genevaassociation.orgPhoto credits:Cover page Unsplash+Foreword5Executive summary61.The rising insurance challenge101.1.Economic and insured losses related to extreme weather 101.2.The protection gap 131.3.T