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.
Homeowners
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.
High-Value Customer Loyalty Most at Risk as Homeowners Rates Climb
Nearly half of U.S. homeowners have seen their insurance premiums increase over the past year, signaling growing concerns over insurer loyalty and long-term profitability, according to J.D. Power.
P&C Industry ‘Continues to Walk a Fine Line’ After Posting $11.5 Billion Underwriting Profit
The U.S. property & casualty insurance industry almost tripled underwriting profitability in the first half of 2025 compared to the same period in 2024, but catastrophes continue to drive up homeowners premiums.
Insuring a Vehicle Garaged at an Out-of-State Secondary Residence
A high-net worth customer in Pennsylvania would like to leave a car at his secondary home in Oregon. The car would be available to local family members to use throughout the year.
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.
Top 5 Most-Read Articles in Independent Agent in July
July started with a bang as the Big “I” secured important wins for independent insurance agencies in the “One Big Beautiful Bill.” And despite mixed results for the property & casualty market, the Big “I” 2025 Market Share Report, showed the independent agency channel is holding steady.
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.
