Aug 5 (Reuters) - Insurer Assurant AIZ.N 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 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.

(Reporting by Pritam Biswas and Manya Saini in Bengaluru; Editing by Alan Barona)

((Manya.Saini@thomsonreuters.com; X: manya__saini))