Aug 5 (Reuters) - Insurer Assurant posted a 25%

jump in second-quarter profit on Tuesday, driven by strength in

its global housing business.

Insurance spending has remained relatively stable even as

carriers raise premiums and tighten underwriting standards,

reflecting the essential nature of coverage for both consumers

and businesses.

Analysts say this resilience stems from the

non-discretionary role insurance plays in areas such as health,

property and auto, where coverage is often mandatory or deeply

embedded in financial planning.

The company's global housing unit - which offers

lender-placed homeowner insurance, manufactured housing

insurance and flood coverage - posted net earned premiums, fees

and other income of $697.7 million, a 10% jump from last year.

The specialty insurance industry is expanding as traditional

coverage models adapt to changing consumer needs, rising asset

values and evolving technology.

Meanwhile, insurers also benefited from higher investment

returns in the second quarter as markets rebounded in June,

shrugging off tariff concerns.

Assurant's ( AIZ ) net investment income rose to $128.7 million in

the quarter ended June 30, from $124.7 million a year earlier.

Quarterly adjusted profit came in at $5.10 per

share, compared to $4.08 per share last year.