How to slash your hurricane insurance premiums by more than a third
How to slash your hurricane insurance premiums by more than a third

Home hurricane insurance that cost $1,000 annually three-to-five years ago could cost more than twice that today. These are sobering statistics for Hawaiʻi residents thinking about updating their insurance policies after seeing the wreckage left by Hurricane Lala this month. Natural disasters around the world…
States where home insurance got cheaper, and what they’re doing right
States where home insurance got cheaper, and what they’re doing right

Although homeowners insurance rates have been rising significantly across the nation, new Insurance.com data shows that 16 states saw average annual premiums fall from 2025 to 2026. There’s no single reason for these decreases. In some states, targeted resilience grants, insurance discounts, and a slower-than-normal…
Hurricane Season Has Been Calm. Should You Have Flood Insurance?
Hurricane Season Has Been Calm. Should You Have Flood Insurance?

Flood insurance may not be top of mind for many this year because hurricane activity in the Atlantic has been unusually quiet. But the traditional peak of the season is arriving, and storms that inundated the Midwest this month are a reminder that inland areas…
‘A Band-Aid on a bullet wound’: New federal home insurance rule could leave you paying thousands out of pocket for a damaged roof
‘A Band-Aid on a bullet wound’: New federal home insurance rule could leave you paying thousands out of pocket for a damaged roof

While Americans were thrilled when the summer season began in late June, a slew of severe storms has likely dampened the mood for many in recent weeks. And the timing couldn’t have been worse. As Americans gathered to celebrate the country’s 250th birthday on July…
Hurricane season insurance tips: What Florida homeowners need to know before storms hit
Hurricane season insurance tips: What Florida homeowners need to know before storms hit

Florida homeowners are grappling with insurance challenges as hurricane season approaches, with experts at this week’s Governor’s Hurricane Conference in West Palm Beach emphasizing the critical importance of understanding coverage before storms strike. Emily Rogan, a consumer advocate with United Policyholders, told conference attendees that…
The 16% Homeowner Trap: Why Major Insurers are Quietly Canceling 2026 Policies This Week
The 16% Homeowner Trap: Why Major Insurers are Quietly Canceling 2026 Policies This Week

If you’ve lived in your home for a decade without ever filing a claim, you might think your “renewal” notice is a formality. But this week, thousands of homeowners in states like California, Florida, and Texas are receiving a different kind of letter: a non-renewal…
Millions of Americans risk their health and -2-
Millions of Americans risk their health and -2-

“My dad’s sleeping under a dining table because there’s no space,” he said. “My mom had bladder surgery at the end of April and [in] early May had to recover from bladder surgery while basically being homeless.” Comey’s experience is a stark illustration of what…
There’s Help for Dealing with Insurance
There’s Help for Dealing with Insurance

United Policyholders is a nonprofit organization that works for consumers with insurance problems/matters. The nonprofit does not take money from insurance companies, and they don’t sell insurance. Volunteers at United Policy have been through the insurance recovery process before and are strictly here to offer…
How Katrina became ‘the storm that told us what was to come’ for climate and insurance
How Katrina became ‘the storm that told us what was to come’ for climate and insurance

When Hurricane Katrina threatened New Orleans in August 2005, Mona Lisa Saloy thought she was safe. Saloy, an author and educator who also served for several years as Louisiana’s poet laureate, had inherited the 110-year-old “double shotgun” house in the mostly Black Seventh Ward where…
Florida Peninsula Insurance announces rate reduction request that will benefit ‘about 80,000 policyholders’
Florida Peninsula Insurance announces rate reduction request that will benefit ‘about 80,000 policyholders’

Florida Peninsula Insurance is seeking a rate reduction of 8.4% on homeowners policies and 12% on condo policies, according to an announcement from the Boca Raton-based company. “Given that everything seems to be going up right now, the cost of living, food, housing and everything…
Schiff revives INSURE Act to create federal reinsurance program
Schiff revives INSURE Act to create federal reinsurance program

US Sen. Adam Schiff (D-Calif.) has reintroduced the Incorporating National Support for Unprecedented Risks and Emergencies (INSURE) Act, legislation aimed at addressing instability in the residential insurance market through the creation of a federal catastrophic reinsurance program. The bill proposes a federally backed reinsurance mechanism…
Sen. Schiff Introduces Bill to Stabilize Insurance Market, Protect Homeowners from Increased Costs of Natural Disasters
Sen. Schiff Introduces Bill to Stabilize Insurance Market, Protect Homeowners from Increased Costs of Natural Disasters

Washington, D.C. — Today, U.S. Senator Adam Schiff (D-Calif.) introduced the Incorporating National Support for Unprecedented Risks and Emergencies (INSURE) Act, legislation to stabilize the home insurance market by creating a federal catastrophic reinsurance program. This bill will help keep insurance premiums affordable and provide…
Putting Florida more in line with national practices
Putting Florida more in line with national practices

Stacey Clark walks around her Bethel Creek home with her dog Sweetie on Oct. 15 after a tornado tore through her home Oct. 9 before Hurricane Milton passed through the area. Clark was in her home with Sweetie when the tornado ripped her roof off.…
The other ‘mean season’ begins as insurers tally losses, decide whether premium hikes needed
The other ‘mean season’ begins as insurers tally losses, decide whether premium hikes needed

In mid-November, more than a month after Hurricane Milton’s Florida landfall rendered her Zephyrhills home uninhabitable, Jessica Fernandez was still wondering how her life could be returned to anything like it was before Mother Nature’s fury descended from the skies. She filed insurance claims the…
Hit by Disaster? How to Get What You Deserve From Insurers or FEMA
Hit by Disaster? How to Get What You Deserve From Insurers or FEMA

If your home was damaged or destroyed by Hurricane Helene, the most daunting challenge may still be ahead: Getting your insurance company, or the federal government, to give you the money you’re entitled to receive. That process can be infuriating and baffling, and it comes…
Hurricane Helene Recovery Help
Hurricane Helene Recovery Help

If you or someone you know have been impacted by Hurricane Helene, review our road-tested “First Steps” and visit our Hurricane Helene Roadmap to Recovery Help Library. United Policyholders is a non-profit organization that has thirty years of expertise in disaster recovery, insurance, repairs and…
Think flood insurance is pricey now? Premium hikes were coming long before Hurricane Helene.
Think flood insurance is pricey now? Premium hikes were coming long before Hurricane Helene.

Homeowners insurance typically does not cover flood damage – though too many people discover that after the fact, consumer advocates say Hurricane Helene inundated parts of Florida, Georgia, Tennessee and the Carolinas, and now the estimated billions of dollars in damage are bringing Americans’ receding…
Hurricane Helene brings more losses to struggling insurance market, but no major turmoil expected
Hurricane Helene brings more losses to struggling insurance market, but no major turmoil expected

Hurricane Helene caused the type of widespread destruction that has roiled the U.S. insurance market in recent years, pushing premiums for property insurance in the most vulnerable states, including Louisiana… Read more