InsurTech bolt Launches VTRO for California Homeowners
Coverage is written on a nonadmitted HO-5 form tailored to California, with Coverage A up to $2.5 million and total insurable value up to $5 million for qualifying risks.
Homeowners
Winter Storms Are Testing Homes and Elevating the Role of Independent Agents
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.
Top 5 Most-Read Articles in Independent Agent in January
The new year kicked off with hard-won pieces of advice from seasoned agency leaders, plus Big “I” Virtual University experts’ takes on whether a first named insured can cancel a homeowners policy without the signature of the second.
Is Homeowners Coverage Cancelled If Named Insured Dies?
The insured died a week and a half before the renewal date but had already paid the renewal premium. The experts disagree on whether the policy was cancelled.
Over 800,000 Without Power as Deadly Cold Grips the Country
The deadly winter storm that swept across the U.S. over the weekend has left at least 12 people dead and thousands of people stranded, with over 19,000 flights canceled during the storm.
How Agents’ Roles Are Changing in the High Net-Worth Market
As the number of high net-worth individuals (HNW) grows and more are considering self-insuring, agents’ roles are transforming from policy placement to strategic risk advisor.
Homeowners Cancellation Request: Do Both Insureds Need to Sign?
The policy conditions for a homeowners policy state that the first named insured is the one who has the authority to cancel an insurance policy. Does that mean that the second named insured is not required to sign?
High Net-Worth: What’s Fueling the Shift Toward Self-Insurance and How Agents Can Help
With rating climbing and coverage tightening, more high net-worth (HNW) clients are choosing to assume more risk themselves. Here’s how agents can help HNW clients evaluate their risk profile and tolerance.
1 Year After LA Fires: How Risk, Coverage and Insurability Have Shifted
The ramifications of the Los Angeles wildfires reinforce the critical reality that insurance must be positioned as one component of resilience, not a complete financial solution.
Top 5 Most-Read Articles in Independent Agent in December
December looked at the 2025 Atlantic hurricane season, the impact of claims management on customer experience, state requirements for paid leave and time off. Plus, state regulations on artificial intelligence (AI) as well as a review of 2025’s top stories.
