What Happens When Homeowners Prospect Lies About Owning Pit Bulls?
In the event of a claim—dog-related or otherwise—would the carrier be able to declare the policy void back to inception due to fraud or material misrepresentation by the applicant?
Personal Lines
Help Clients Take Control of the Claims Process with DIY Home Inspections
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.
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.
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.
