Top 5 Most-Read Articles in Independent Agent in October
New reports revealed widening gaps in insurance coverage and an expanding role for agents. Plus, Agency Nation Radio spoke with GEICO on its move into the independent agency channel.
Agency Operations
Do Homeowners Policies Exclude Theft of Personal Property During Renovations?
A homeowners client is building an addition on their secondary home, which is still occupied and furnished. The carrier says there is no coverage for theft of personal property.
Risk Mitigation Technologies Are Becoming Essential in the Homeowners Market
Insurance agents who embrace risk mitigation technologies can strengthen underwriting, deliver value to customers and differentiate their service.
How Catastrophes Are Changing Property Coverage
From hurricanes in the Southeast, wildfires in the West and severe convective storms in between, catastrophes are a defining feature of the current insurance landscape and are changing property insurance.
2.6 Million Western U.S. Homes Are Exposed to Wildfire Risk, Says Cotality Report
Homes at risk during the 2025 wildfire season represent a combined reconstruction cost value of $1.3 trillion.
Reimbursement for Evacuation Costs: Help Clients Understand This Coverage
With ongoing wildfires in the West and an above-average Atlantic hurricane season predicted, it’s essential for independent insurance agents to educate clients on how their policies can cover evacuation-related expenses.
Does Ordinance or Law Coverage Apply to Rot?
A homeowner experienced a wind and hail claim to his roof and it was found that some of the decking was rotting. Local building code says rotting decking should be replaced.
Property & Casualty Forecast: Personal Auto to Improve, General Liability a Weak Spot
The U.S. property & casualty insurance market is exhibiting mixed results in 2025, with personal auto on track to achieve profitability but homeowners and general liability segments continuing to experience losses.
Personal and Commercial Lines Rates Continue to Rise in 2025
In the second quarter of 2025, personal lines rates rose by 4.6% and commercial lines rates rose 2.8%.
Fourth of July: Warn Homeowners About These 3 Risks
Fourth of July celebrations involve grilling, fireworks and outdoor gatherings. But behind the red, white and blue is a spike in risk.
