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Learn More →Insurance Trends to Watch in 2026
Shifting Demand, Connected Data, GenAI, and Emerging Coverage Will Shape Insurers’ Strategies
Top Trends to Watch in 2026
Need-to-Know Trends Reshaping the Digital Future
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Table of Contents
Embedded life-stage journeys will reshape life insurance discovery
GenAI is reshaping property and casualty (P&C) underwriting and claims, but customer-facing automation trails
Usage-based auto insurance will become a standard offering as drivers trade data for lower premiums
Emotional bonds and rising vet costs will push pet insurance into the mainstream
EMARKETER Interviews
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About This Report
In 2026, personal lines insurers will face a market reshaped by changing demand, risk, and consumer expectations. Growth hinges on smarter digital engagement, genAI transformation, richer data, real-time risk insights, and emerging coverage areas.
Table of Contents
Embedded life-stage journeys will reshape life insurance discovery
GenAI is reshaping property and casualty (P&C) underwriting and claims, but customer-facing automation trails
Usage-based auto insurance will become a standard offering as drivers trade data for lower premiums
Emotional bonds and rising vet costs will push pet insurance into the mainstream
EMARKETER Interviews
Sources
Media Gallery
In 2026, personal lines insurers will face a market reshaped by changing demand, risk, and consumer expectations. Growth will be defined by smarter digital engagement, genAI strategy, richer data, real-time risk insights, and emerging coverage areas.
authors
Myra Thomas
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- Eleni Digalaki
- Penelope Lin
- Director, Data Visualization
- Tiffani Montez
- Amy Rotondo
- Director, US Research
- Matt Torpey
- Senior Chart Editor
- Julia Woolever
- Ali Young
- Senior Copy Editor and Manager of Content Operations
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