Are Quieter Hurricane Seasons an Anomaly or a Trend?
To date, no major hurricanes have made landfall in the U.S. during the 2026 Atlantic hurricane season. Does a quiet year signal that hurricane risk is easing? The evidence suggests no.
Personal Lines
Verisk: Labor Costs Drive 4% Total Reconstruction Cost Increase
Continued wage growth across major trades reflected ongoing skilled labor shortages, capacity limitations and a demand for specialized construction services.
Legal Reforms Begin to Ease Insurance Costs for Consumers
After years of rising insurance costs driven in part by legal system abuse, litigation financing and nuclear verdicts, tort reform is beginning to translate into lower premiums, rate reductions and direct savings for consumers.
How Long Should Carrier Remain on Risk After Terminating Agency Contract?
If an agent in New York no longer represents a carrier, how long does the carrier need to remain on the customer’s risk for auto, home and umbrella?
Property Claims Decline as Regional CAT Events Intensify
Local catastrophes caused intense regional volatility, according to Verisk, but overall lower claim volume contributed to the property & casualty industry’s strong first-quarter results.
New Private Flood Option From Titan and Nationwide
The policy provides flood-only coverage for homes and personal property, protecting homeowners from flood risks not covered by standard homeowners or renters insurance.
Top 5 Most-Read Articles in Independent Agent in June
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.
Barndominium Insurance: 5 Construction Trends That Impact Risk
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..
Flood Risk Moves Inland: How Agents Can Expand the Flood Coverage Conversation
As hurricane season begins, many insurance advisors are spending more time having flood conversations with homeowners living outside traditional coastal markets.
The Hanover: Coverage Confidence Gaps Leave Homeowners Confused
The Hanover survey points to a coverage confidence gap between what consumers say they value in homeowners coverage and what they have taken the time to verify.
