--- title: Kate Terry, CEO of Surround Insurance on US Homeowners Insurance Price Discrepancies (AoB S1E12) - InsNerds.com description: This episode of The Assignment of Benefits Podcast discusses the complexities of homeowners insurance, focusing on geographic price variations, regulatory challenges, and the impact of climate change on risk assessment and insurance costs. It highlights the role of capital markets, reinsurance, and building codes in shaping insurance availability and affordability, using Florida as a case image: https://insnerds.com/hubfs/Imported_Blog_Media/Lamparelli-100x100-Jan-03-2025-02-36-07-3231-AM.jpg --- 1 min read # Kate Terry, CEO of Surround Insurance on US Homeowners Insurance Price Discrepancies (AoB S1E12) [![Picture of Nicholas Lamparelli](https://insnerds.com/hubfs/Nick%20Lamparelli(Headshot%20GS).jpg) Nicholas Lamparelli ](https://insnerds.com/insights/author/nicholas-lamparelli) : Aug 24, 2024 12:00:00 AM [Assignment of Benefits](https://insnerds.com/insights/tag/assignment-of-benefits) [Florida](https://insnerds.com/insights/tag/florida) [Climate](https://insnerds.com/insights/tag/climate) [Podcast](https://insnerds.com/insights/tag/podcast) [Insurance Industry](https://insnerds.com/insights/tag/insurance-industry) [Regulatory](https://insnerds.com/insights/tag/regulatory) ![Kate Terry, CEO of Surround Insurance on US Homeowners Insurance Price Discrepancies (AoB S1E12)](https://insnerds.com/hubfs/Imported_Blog_Media/Lamparelli-100x100-Jan-03-2025-02-36-07-3231-AM.jpg) This episode of The Assignment of Benefits Podcast discusses the complexities of homeowners insurance, focusing on geographic price variations, regulatory challenges, and the impact of climate change on risk assessment and insurance costs. It highlights the role of capital markets, reinsurance, and building codes in shaping insurance availability and affordability, using Florida as a case study for broader national trends. The conversation underscores the importance of reducing insurance costs to prevent it from becoming a luxury good, emphasizing the crucial role of insurance in enabling societal progress. Connect with Kate Terry: [LinkedIn](https://www.linkedin.com/in/kate-terry/) [Surround Insurance](https://www.linkedin.com/company/surround-insurance/posts/?feedView=all) Referenced NY Times Article: [HERE](https://www.nytimes.com/2024/07/09/climate/home-insurance-prices-climate-change.html?searchResultPosition=1) NBER Journal Publication: [HERE](https://www.nber.org/system/files/working_papers/w32579/w32579.pdf) ![](https://insnerds.com/hs-fs/hubfs/Imported_Blog_Media/Lamparelli-100x100-Jan-03-2025-02-36-07-3231-AM.jpg?width=100&height=100&name=Lamparelli-100x100-Jan-03-2025-02-36-07-3231-AM.jpg) ![](https://insnerds.com/hs-fs/hubfs/Imported_Blog_Media/Lamparelli-100x100-Jan-03-2025-02-36-07-3231-AM.jpg?width=100&height=100&name=Lamparelli-100x100-Jan-03-2025-02-36-07-3231-AM.jpg) ### About Nicholas Lamparelli Nick Lamparelli is a 20+ year veteran of the insurance wars. He has a unique vantage point on the insurance industry. From selling home & auto insurance, helping companies with commercial insurance, to being an underwriter with an excess & surplus lines wholesaler to catastrophe modeling Nick has wide experience in the industry. Over past 10 years, Nick has been focused on the insurance analytics of natural catastrophes and big data. Nick serves as our Chief Evangelist. - [![](https://insnerds.com/hubfs/Imported_Blog_Media/linkedin-Jan-03-2025-02-36-10-9744-AM.png) ![](https://insnerds.com/hubfs/Imported_Blog_Media/linkedin-Jan-03-2025-02-36-10-9744-AM.png) ](https://www.linkedin.com/in/nicklamparelli) - ![](https://insnerds.com/hubfs/Imported_Blog_Media/wordpress-Jan-03-2025-02-36-07-8558-AM.png) ![](https://insnerds.com/hubfs/Imported_Blog_Media/wordpress-Jan-03-2025-02-36-07-8558-AM.png) ![](https://insnerds.com/hs-fs/hubfs/Imported_Blog_Media/Lamparelli-150x150-Jan-03-2025-02-36-06-2601-AM.jpg?width=150&height=150&name=Lamparelli-150x150-Jan-03-2025-02-36-06-2601-AM.jpg) ##### [ Nicholas Lamparelli](https://insnerds.com/author/nick-lamparelli/) + posts Nick Lamparelli is a 20+ year veteran of the insurance wars. He has a unique vantage point on the insurance industry. From selling home & auto insurance, helping companies with commercial insurance, to being an underwriter with an excess & surplus lines wholesaler to catastrophe modeling Nick has wide experience in the industry. Over past 10 years, Nick has been focused on the insurance analytics of natural catastrophes and big data. Nick serves as our Chief Evangelist. - ** [From Teacher to Tech: How SettleStream Cuts Litigation Time and Costs - A Discussion with Chrysa Jones, COO](https://insnerds.com/from-teacher-to-tech-how-settlestream-cuts-litigation-time-and-costs-a-discussion-with-chrysa-jones-coo/) - ** [My Battle With Sleep Demons (and How I Overcame It 🤞)](https://insnerds.com/my-battle-with-sleep-demons-and-how-i-overcame-it-%f0%9f%a4%9e/) - ** [Exploring the History of Citizens Insurance Company of Florida: From Inception to Present - AoB Podcast](https://insnerds.com/20638-2/) - ** [The Importance of Security in Workflow For Insurance Agents & Brokers (AoB Podcast with Taylor Pascoe of ShareFile)](https://insnerds.com/the-importance-of-security-in-workflow-for-insurance-agents-brokers-aob-podcast-with-taylor-pascoe-of-sharefile/) ### Related Posts - [What's Happening in Homeowners](https://insnerds.com/whats-happening-in-homeowners/) Cyber insurance, autonomous vehicle insurance, on-demand bird scooter rental insurance . . . There’s a… - [Insurance Careers Month](https://insnerds.com/insurance-careers-month/) February is Insurance Careers Month! I know I am so thankful for what Insurance has… - [![](https://insnerds.com/hs-fs/hubfs/Imported_Blog_Media/pexels-glossary-150x150-Jan-03-2025-02-36-06-7661-AM.jpeg?width=150&height=150&name=pexels-glossary-150x150-Jan-03-2025-02-36-06-7661-AM.jpeg) ![](https://insnerds.com/hs-fs/hubfs/Imported_Blog_Media/pexels-glossary-150x150-Jan-03-2025-02-36-06-7661-AM.jpeg?width=150&height=150&name=pexels-glossary-150x150-Jan-03-2025-02-36-06-7661-AM.jpeg) ](https://insnerds.com/simplest-insurance-glossary/) [The Simplest Insurance Glossary](https://insnerds.com/simplest-insurance-glossary/) “If you can’t explain it to a six year old, you don’t understand it yourself.”… [**Share](https://www.linkedin.com/cws/share?url=https%3A%2F%2Finsnerds.com%2Fkate-terry-ceo-of-surround-insurance-on-us-homeowners-insurance-price-discrepancies-aob-s1e12%2F%3Futm_source%3Dlinkedin%26utm_medium%3Dsocial%26utm_campaign%3DSocialWarfare) [**Tweet](https://twitter.com/intent/tweet?text=Kate+Terry%2C+CEO+of+Surround+Insurance+on+US+Homeowners+Insurance+Price+Discrepancies+%28AoB+S1E12%29&url=https%3A%2F%2Finsnerds.com%2Fkate-terry-ceo-of-surround-insurance-on-us-homeowners-insurance-price-discrepancies-aob-s1e12%2F%3Futm_source%3Dtwitter%26utm_medium%3Dsocial%26utm_campaign%3DSocialWarfare&via=InsNerds) [**Share](https://www.facebook.com/share.php?u=https%3A%2F%2Finsnerds.com%2Fkate-terry-ceo-of-surround-insurance-on-us-homeowners-insurance-price-discrepancies-aob-s1e12%2F%3Futm_source%3Dfacebook%26utm_medium%3Dsocial%26utm_campaign%3DSocialWarfare) [**Reddit](https://www.reddit.com/submit?url=https%3A%2F%2Finsnerds.com%2Fkate-terry-ceo-of-surround-insurance-on-us-homeowners-insurance-price-discrepancies-aob-s1e12%2F%3Futm_source%3Dreddit%26utm_medium%3Dsocial%26utm_campaign%3DSocialWarfare) [**Email](mailto:?subject=Kate%20Terry%2C%20CEO%20of%20Surround%20Insurance%20on%20US%20Homeowners%20Insurance%20Price%20Discrepancies%20%28AoB%20S1E12%29&body=This%20episode%20of%20The%20Assignment%20of%20Benefits%20Podcast%20discusses%20the%20complexities%20of%20homeowners%20insurance%2C%20focusing%20on%20geographic%20price%20variations%2C%20regulatory%20challenges%2C%20and%20the%20impact%20of%20climate%20change%20on%20risk%20assessment%20and%20insurance%20costs.%20It%20highlights%20the%20role%20of%20capital%20markets%2C%20reinsurance%2C%20and%20building%20codes%20in%20shaping%20insurance%20availability%20and%20affordability%2C%20using%20Florida%20as%20a%20case%0D%0A%0D%0ARead%20More%20Here:%20%20https%3A%2F%2Finsnerds.com%2Fkate-terry-ceo-of-surround-insurance-on-us-homeowners-insurance-price-discrepancies-aob-s1e12%2F%3Futm_source%3Demail%26utm_medium%3Dsocial%26utm_campaign%3DSocialWarfare) [![From The Early Days to Takeouts, The Ins & Outs of Citizens Insurance of Florida With John Kummer, VP at Team Focus (AoB S1E12)](https://insnerds.com/hubfs/Imported_Blog_Media/Lamparelli-100x100-Jan-03-2025-01-31-54-0831-AM.jpg) ](https://insnerds.com/insights/from-the-early-days-to-takeouts-the-ins-outs-of-citizens-insurance-of-florida-with-john-kummer-vp-at-team-focus-aob-s1ex) 2 min read #### [From The Early Days to Takeouts, The Ins & Outs of Citizens Insurance of Florida With John Kummer, VP at Team Focus (AoB S1E12)](https://insnerds.com/insights/from-the-early-days-to-takeouts-the-ins-outs-of-citizens-insurance-of-florida-with-john-kummer-vp-at-team-focus-aob-s1ex) ![Picture of Nicholas Lamparelli](https://insnerds.com/hs-fs/hubfs/Nick%20Lamparelli(Headshot%20GS).jpg?width=30&name=Nick%20Lamparelli(Headshot%20GS).jpg) [Nicholas Lamparelli](https://insnerds.com/insights/author/nicholas-lamparelli) : Jul 30, 2024 12:00:00 AM From The Early Days to Takeouts, The Ins & Outs of Citizens Insurance of Florida With John Kummer, VP at Team Focus (AoB S1E12) by Nicholas... 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