Homeowners’ Defense Act of 2025

This bill lets the Treasury Department guarantee debt issued by state insurance programs that help homeowners get coverage after natural disasters. To qualify, state programs must be created by state law and offer home insurance for personal residential properties. If a state program can't pay its debts, Treasury will cover the payments. The bill also creates a federal fund to help pay disaster losses and a consortium to track catastrophe insurance risks. Additionally, it provides grants through Housing and Urban Development to help prevent and reduce natural disaster damage, and requires a government report on insurance pricing.

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