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…
With a strong El Niño expected in SoCal, should you consider flood insurance?
With a strong El Niño expected in SoCal, should you consider flood insurance?

El Niño is officially with us, and it’s looking like it’s likely going to be a doozy. The natural global climate pattern temporarily warms the eastern tropical Pacific, causing extreme weather patterns across the globe. A strong El Niño has historically, though not always, been…
Congressmen Carter, Ezell, Carbajal Introduce STORM FORTIFIED and Wildfire Prepared Act
Congressmen Carter, Ezell, Carbajal Introduce STORM FORTIFIED and Wildfire Prepared Act

Today, Congressmen Troy A. Carter, Sr. (D-LA), Mike Ezell (R-MS), and Salud Carbajal (D-CA) introduced the Safeguarding Tomorrow through Ongoing Risk Mitigation FORTIFIED and Wildfire Prepared Act, or STORM FORTIFIED and Wildfire Prepared Act. This legislation would establish funding to help states finance homeowner mitigation projects…
Can a Bernie-Backed Populist Fix California’s Home Insurance Crisis?
Can a Bernie-Backed Populist Fix California’s Home Insurance Crisis?

In the spring of 2023, insurance giants State Farm and Allstate announced they would no longer write new home insurance policies in California, citing intolerable exposure to the devastating wildfires that have become routine in the state. Farmers, USAA, and several smaller insurers quickly followed…
‘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…