"Navigating Rising Insurance Costs: The Next Decade's Challenge for Real Estate Investors"

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Why Insurance may be Real Estate's Biggest Challenge for the Next Decade

I recently sat down with Skylar Romines , founder of ATW Advisors and a 17-year veteran in commercial insurance. Skylar didn’t just discuss insurance—she unraveled why it’s poised to become the most pivotal story in real estate for the next 10 years. Here’s what you NEED TO KNOW.

The Big Picture: Insurance Costs Are Exploding

Insurance is no longer a back-office afterthought—it’s a deal killer. Skylar highlighted a sobering trend:

• Insurance is the fastest-growing expense in commercial real estate, outpacing rent growth in many markets.
• Deals are collapsing because of skyrocketing premiums, especially in high-risk areas like California, Texas, and Florida.
• By 2030, insurance premiums in some regions could double.

Skylar called this shift a "new way" of approaching insurance, urging real estate operators to get proactive or get priced out.

Why It Matters: Your Bottom Line

Skylar didn’t sugarcoat it: You can’t sustain a profitable portfolio if your expenses rise faster than your income. Real estate investors must face this "insurance situation" head-on by:

• Building competitive insurance programs that reduce long-term costs.
• Collaborating with carriers to package risks attractively and negotiate better terms.
• Get to know YOUR underwriters - build strong relationships with your underwriters to try and minimize your insurance costs.

💡 Skylar also shared that smarter insurance strategies—like captives and renters’ insurance pools—can turn what feels like an endless expense into a profit center.

What’s Coming: New Risks, New Rules

Insurance companies aren’t playing by the old rules anymore:

• AI-powered underwriting: Carriers are leveraging advanced data tools, leaving unprepared operators at a disadvantage.
• General liability is tightening: Expect rising premiums and reduced coverage for multifamily and retail properties, especially in high-crime areas.
• Hard-to-insure assets like coastal properties or trampoline parks face an uphill battle for coverage.

Skylar’s advice? Get ahead by being a "best-in-class" operator. Build relationships with underwriters, stay proactive on risk management, and invest in mitigation measures before the market forces your hand.

Why You Need to Watch This Podcast

💥 If insurance isn’t already part of your strategic planning, you’re leaving money—and deals—on the table. Skylar’s insights will empower you to:

Understand how insurance is reshaping the real estate landscape.

Learn practical steps to protect your investments in this evolving market.

Transform insurance from a liability into a competitive advantage.

🚨 Don’t miss this opportunity to future-proof your portfolio. Skylar’s passion and expertise will inspire you to tackle this challenge head-on.

Watch the full podcast episode by CLICKING on the IMAGE BELOW:

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