June highlighted 10 young agents making their mark on the insurance industry. And the Big ‘I’ 2026 Market Share Report shows that, despite market headwinds, the independent agency channel is holding strong.
As barndominium homes continue to grow in popularity, agents and clients should be aware of five key risks—and how to mitigate them—before moving forward..
As hurricane season begins, many insurance advisors are spending more time having flood conversations with homeowners living outside traditional coastal markets.
May brought news of moderating pressures in the long-suffering personal lines space, with early signs that increases in reconstruction costs and personal auto premium hikes may be beginning to slow.
While claims declined, roof losses continue to grow more severe and less predictable, driven by aging housing stock, widespread hail exposure and rising replacement costs, according to Verisk.
A homeowner had a loss where the HVAC system’s condensate pump failed due to a mechanical breakdown. The HO3 policy with an equipment breakdown endorsement—form 16016—with a separate $500 deductible appears to indicate the condensate pump and the resulting water damage should be covered under the equipment breakdown endorsement. The insurance carrier says otherwise.
If insurers have better visibility into whether home devices are active and functioning, they could intervene early, resolve installation or connectivity issues and ensure credits reflect genuine mitigation.
How are shifting trends impacting independent agents’ personal lines strategies? And what do clients want from their insurance relationships? Here are seven trends for the future of personal lines insurance.
DIY home inspection tools represent a new way for clients to get a faster resolution after a loss, helping eliminate the wait for adjuster availability and giving homeowners more control.
Winter Storm Fern highlighted how quickly winter risks can escalate when cold, ice and infrastructure strain overlap. As winter risks continue to evolve, the agent’s role as educator and advisor has never been more valuable.
