Allstate becomes the second home insurer to pull out of California
Allstate becomes the second home insurer to pull out of California

State Farm announced a similar decision last week The question must now be asked. Will California homeowners be able to buy insurance coverage for their homes? Allstate has become the second major insurance company to announce it will stop writing homeowners insurance policies in the…
UP alerts CA legislators to proceed with caution on insurers’ wish list
UP alerts CA legislators to proceed with caution on insurers’ wish list

California consumers have long enjoyed the benefits of property insurance premium savings thanks to the voter-enacted Proposition 103 rate regulation regime, and insurers have long decried that regime. United Policyholders generally focuses on helping consumers get treated fairly by insurers, avoid and solve coverage gaps,…
Marin lawmaker aims to protect home insurance for seniors in fire-prone areas
Marin lawmaker aims to protect home insurance for seniors in fire-prone areas

A bill introduced by Assemblymember Damon Connolly of San Rafael would prohibit home insurance providers from dropping coverage for seniors living in high fire-risk areas and would cap premium hikes. The bill, AB 478, would forbid insurance providers from dropping policies for residents 65 and…
Tis the Season to Get Prepared
Tis the Season to Get Prepared

Need a last minute holiday gift? Give the people you love peace of mind by helping them be financially resilient and prepared. This Give Peace of Mind Gift Catalog is full of free tips to help spark important discussions and actions around disaster preparedness. Whether you are traveling…
Home insurance availability, affordability AND quality is shrinking: States and the Feds must coordinate and take action to protect homeownership in the US
Home insurance availability, affordability AND quality is shrinking: States and the Feds must coordinate and take action to protect homeownership in the US

  We support the Federal Insurance Office in their efforts to gather national data to get a clear picture of how insurers are adapting their operations in response to climate change, and how their actions are impacting property insurance affordability and availability across the nation. …
Scary insurance premiums…what to do?
Scary insurance premiums…what to do?

Home and business insurance premiums in hurricane and wildfire prone regions have jumped to scary levels…Those who can’t afford the increases are increasingly “going bare” if they own their homes outright. Those with mortgages are going deeper into debt to pay for mandated insurance. Bundling…
California looks to lower insurance costs with new wildfire regulations
California looks to lower insurance costs with new wildfire regulations

California has introduced new wildfire safety regulation to help drive down cost of insurance by recognizing and rewarding wildfire safety and mitigation efforts made by homeowners and businesses. Insurance Commission Ricardo Lara’s regulation will require insurance companies to submit new rates that recognize the benefit…
State enforces nation’s first wildfire safety regulation to help drive down cost of insurance
State enforces nation’s first wildfire safety regulation to help drive down cost of insurance

Insurance Commissioner Ricardo Lara said he will enforce the new insurance pricing regulation he wrote recognizing and rewarding wildfire safety and mitigation efforts made by homeowners and businesses. Commissioner Lara’s regulation is the first in the nation requiring insurance companies to provide discounts to consumers…
California will require insurers to reward consumers for wildfire mitigations
California will require insurers to reward consumers for wildfire mitigations

(The Center Square) – California homeowners and businesses that take steps to protect their properties from wildfires will soon pay lower insurance rates under a new, first-in-the-nation framework introduced by the state’s insurance commissioner. The new regulation, announced by California Insurance Commissioner Ricardo Lara, requires…
California to require insurance discounts for property owners who reduce wildfire risk
California to require insurance discounts for property owners who reduce wildfire risk

California will become the first state in the nation to require insurance premium discounts for owners of homes and businesses that are made safer from wildfires. New rules mandate that insurance companies reward consumers who take wildfire safety and mitigation actions under the state’s Safer…
UP and WRAP partners testify before Congress on insurance challenges and progress in wildfire-prone states
UP and WRAP partners testify before Congress on insurance challenges and progress in wildfire-prone states

On September 22, 2022, in invited testimony before the U.S. House Committee on Financial Services, Subcommittee on Housing, Community Development and Insurance, Executive Director Amy Bach presented consumer viewpoints and initiatives that are underway to restore affordable insurance options for property owners in wildfire-prone regions.…
CDI Regulations Moving Forward
CDI Regulations Moving Forward

United Policyholders is pleased to share the news that the California Department of Insurance has now announced its intention to formally move forward with its proposed “Mitigation in Rating Plans and Wildfire Risk Models” regulations.  Once formally adopted, the regulations will legally require insurers to…
Can AI Predict If Your House Is Going To Burn To The Ground?
Can AI Predict If Your House Is Going To Burn To The Ground?

As summer fire season looms in California, Zesty.ai is using machine learning to help insurers and homeowners to make realistic risk assessments—and reduce damage to homes and property. Standing on the outskirts of Oakland, California, Attila Toth takes in the nearby forested hills. The CEO…
Paradise rolls out new wildfire prevention standards available to all California homes
Paradise rolls out new wildfire prevention standards available to all California homes

A Paradise home received the state’s first Wildfire Prepared Home designation, kicking off a new program meant to reduce the damage from wildfires. The newly-constructed home is tucked in the burn scar of the Camp Fire, the deadliest wildfire in California’s history, on a road…
Paradise home becomes first in the U.S. to be designated a ‘wildfire-prepared home’
Paradise home becomes first in the U.S. to be designated a ‘wildfire-prepared home’

The designation is certified by the Insurance Institute for Home and Business Safety and provides proof that a homeowner has taken scientifically proven steps to mitigate risk for total loss in a fire. PARADISE, Calif. —As the town of Paradise continues the long rebuilding process…
Misunderstood California law could protect your home’s fire insurance. How does it work?
Misunderstood California law could protect your home’s fire insurance. How does it work?

Your insurance company may be required to maintain your fire coverage if you live in a high-risk area in California — but the law that protects your home can be misinterpreted, as was the case for a Shasta Valley resident after she received a premature…
The dilemma of property insurance on the Hill
The dilemma of property insurance on the Hill

The California Department of Insurance (CDI) is rolling out new regulations mandating that insurers in the state offer discounts to policyholders who undertake fire hazard mitigation and structure “hardening.” The rules are intended to make decisions about rate and risk more transparent and more tuned…
California’s wildfire building codes make newer homes less likely to burn
California’s wildfire building codes make newer homes less likely to burn

In the mid-1980s, Jim and Ann Pesout fell in love with 10 acres of forest in Northern California’s Calaveras County. They bought the land and started building a house. “It took us two years. We physically pounded nails and built the house,” Ann said. “Our…