Reconstruction Costs Decelerate as Personal Lines Premium Increases Slow
While every state saw residential and commercial reconstruction costs increase, premiums for personal auto and homeowners policies show signs of deceleration.
Personal Lines
American Modern Launches Farm and Ranch Insurance Program
Coverage includes property insurance with enhancements covering farm dwellings, outbuildings, equipment, livestock, harvested crops, and more.
Fannie Mae and Freddie Mac Roll Back Property Insurance Requirements
For more than a year, the Big “I” worked constructively with Fannie Mae and Freddie Mac to revise their property insurance requirements for federally backed mortgages.
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.
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.
5 Predictions for the Insurance Industry in 2026
From artificial intelligence (AI)-driven operational shifts and dynamic climate modeling to heightened cyber and privacy risks, 2026 is shaping up to be a year of transformation for the insurance industry.
Q3 Property Claim Severity Among Highest on Record as Volume Drops
2025 is on track to be the lowest claim volume year in recent history, yet cost management remains critical as severity trends continue to increase, according to Verisk.
2025 Hurricane Season: Storms Steer Clear of US but Undergo ‘Rapid Intensification’
While storms may not make landfall in the U.S., they are becoming increasingly unpredictable and intensify rapidly, warns the National Oceanic and Atmospheric Administration (NOAA).
Structure Fortification: What’s in It for Property Owners?
For homeowners and business owners, updating their structures comes down to one key question: Is it worth spending the extra money to achieve enhanced building standards.
Severe Convective Storms Lead Concerns for Insurers
The vast majority of insurance company executives view severe convective storms (SCS) as the leading threat to their balance sheets, according to a Demex survey.
