Research Authority Center
Protection Observatory
A research-grade observatory tracking household protection trends, insurance market cycles, preparedness adoption, retirement protection, disaster coverage, and business protection. Quarterly dashboards. Annual reports.
Trend dashboards
Protection Trends
Coverage adequacy, umbrella adoption, life-insurance gap.
Updated quarterly · Next study Q3
Insurance Trends
Premium cycles, carrier exits, hard-market signals.
Updated quarterly · Next study Q3
Preparedness Trends
Emergency fund depth, flood/EQ rider adoption, household resilience.
Updated quarterly · Next study Q3
Retirement Protection
LTC adoption, healthcare cost trajectories, sequence-risk research.
Updated quarterly · Next study Q3
Disaster Protection
Climate-linked premium changes, FEMA designation shifts, mitigation impact.
Updated quarterly · Next study Q3
Business Protection
Cyber adoption, BOP coverage, professional liability shifts.
Updated quarterly · Next study Q3
Active forecasts
- High confidence
Hard market for home insurance
Horizon: 12–24 months
- High confidence
Continued LTC carrier consolidation
Horizon: 24–36 months
- Medium confidence
Cyber rider becomes standard in home
Horizon: 12–24 months
- Medium confidence
Umbrella minimums rise to $2M default
Horizon: 24–48 months
Methodology
Observatory dashboards combine public regulatory filings (NAIC, state DOIs), FEMA disaster declarations, BLS labor data, SSA actuarial tables, the Federal Reserve's Survey of Consumer Finances, and proprietary platform usage benchmarks. Forecasts are directional — interpret with confidence ratings and time horizon.
FAQ
What is the Protection Observatory?
A research-grade dashboard tracking trends, benchmarks, and forecasts across household protection — published as ongoing studies and contributing to annual reports.
How often are trends updated?
Quarterly for trend dashboards, annually for major research publications.
Where does the data come from?
Public regulatory filings (NAIC, state DOIs), FEMA, BLS, SSA, Fed Survey of Consumer Finances, plus proprietary platform usage and benchmarks.