Insurance Companies Just Had Their Best Year in a Decade. So Why Is Your Bill Still Going Up?
Insurance Companies Just Had Their Best Year in a Decade. So Why Is Your Bill Still Going Up?

You opened your homeowners renewal notice. The number went up. Again. Maybe it was 8%. Maybe it was 14%. Either way, your first thought was probably the same as everyone else’s: Who exactly is benefiting from all of this? As it turns out, the answer…
State Farm is in Trump’s crosshairs over LA fires
State Farm is in Trump’s crosshairs over LA fires

LOS ANGELES—State Farm has burnished its reputation as the country’s largest home and auto insurer with its “good neighbor” slogan. President Trump this week offered a different take on the company: “absolutely horrible” and “not there to help!” Trump’s social-media post critical of State Farm…
The Replacement Cost Reality Check: When Home Insurance Safety Nets Fall Short
The Replacement Cost Reality Check: When Home Insurance Safety Nets Fall Short

On a crisp October day, Gershon and her husband were clearing limbs and burning leaves — a routine fall chore across the Northeast. They weren’t reckless, says Gershon. “We’re the people who look up the county codes ahead of time. Is there a certain time…
Is your home underinsured? Here’s how to tell
Is your home underinsured? Here’s how to tell

Your house isn’t just a place to hang your hat — it’s also one of your most valuable financial assets. That’s why homeowners without enough insurance can face financial ruin when disaster strikes and they find themselves suddenly homeless and unable to rebuild. The problem…
AI and Insurance Policy Interpretation After Snell v. United Specialty: What Policyholders Need to Know
AI and Insurance Policy Interpretation After Snell v. United Specialty: What Policyholders Need to Know

The decision by the U.S. Court of Appeals for the Eleventh Circuit in Snell v. United Specialty Insurance Co. will be cited often for its holdings on policy interpretation and insurance applications under Alabama law. Perhaps the most groundbreaking analysis, likely to have long-term ramifications…
NAIC ANNOUNCES 2026 CONSUMER LIAISON REPRESENTATIVES
NAIC ANNOUNCES 2026 CONSUMER LIAISON REPRESENTATIVES

he National Association of Insurance Commissioners (NAIC) recently named 43 consumer liaison representatives for 2026. NAIC Members have long valued the voices of consumer representatives, who provide unique perspectives and insights in the NAIC’s proceedings. Regulatory policy work informed by a variety of stakeholders leads…
Soaring profits are ‘fueling tremendous anger’ among consumers as insurance rates skyrocket across the US. Here’s how to keep a lid on your premiums
Soaring profits are ‘fueling tremendous anger’ among consumers as insurance rates skyrocket across the US. Here’s how to keep a lid on your premiums

An insurance premium that ratchets up almost $1,000 over a few years is the kind of unwelcome surprise that every homeowner dreads, but that’s what happened to Cliff and Laura Pasquello, now of North Carolina, when they owned a home in Pennsylvania. “We had only…
Rep. Carter Introduces Bill to Retroactively Restore Flood Insurance Coverage and Retain Current Rates for Policyholders Impacted by Republican Shutdown
Rep. Carter Introduces Bill to Retroactively Restore Flood Insurance Coverage and Retain Current Rates for Policyholders Impacted by Republican Shutdown

WASHINGTON, D.C. – Today, Congressman Troy A. Carter, Sr. (D-LA) and Congressman Mike Ezell (R-MS), introduced H.R. 5848, theNFIP Retroactive Renewal and Reauthorization Act, legislation to backdate reauthorization of the National Flood Insurance Program (NFIP) to September 30, 2025, while extending the program’s authorization until…
Rep. Carter Introduces Bill to Retroactively Restore Flood Insurance Coverage and Retain Current Rates for Policyholders Impacted by Republican Shutdown
Rep. Carter Introduces Bill to Retroactively Restore Flood Insurance Coverage and Retain Current Rates for Policyholders Impacted by Republican Shutdown

WASHINGTON, D.C. – Today, Congressman Troy A. Carter, Sr. (D-LA) and Congressman Mike Ezell (R-MS), introduced H.R. 5848, theNFIP Retroactive Renewal and Reauthorization Act, legislation to backdate reauthorization of the National Flood Insurance Program (NFIP) to September 30, 2025, while extending the program’s authorization until…
Where We Stand: A Homeowners Insurance Bill of Rights
Where We Stand: A Homeowners Insurance Bill of Rights

The increasing frequency of extreme weather events, combined with the rising cost of repairs and building materials, has destabilized the home insurance market. Homeowners increasingly face skyrocketing premium prices, and many are losing coverage as insurance companies pull out of regional markets altogether. At the…
Kane County woman says Allstate threatened to drop insurance over Google Earth photos
Kane County woman says Allstate threatened to drop insurance over Google Earth photos

A woman in Kane County, Illinois, said Allstate threatened to drop her insurance coverage after reviewing pictures of her property that were taken without her knowledge. Roseanna Castillo said her insurer used Google Earth to snap aerial photos of her property. Then she received a…
Climate change, extreme weather are driving up homeowners’ insurance rates in Chicago and beyond
Climate change, extreme weather are driving up homeowners’ insurance rates in Chicago and beyond

Allstate customers in Illinois could see their homeowners’ policies go up more than 14% in a few months. Allstate representatives said these increases in the Chicago area are not specifically related to the wildfires in California — a subject for which concerns about insurance claims…
Climate change may have an impact on your homeowners’ insurance policy
Climate change may have an impact on your homeowners’ insurance policy

Amy Bach, Executive Director and co-founder of United Policyholders, joins Lisa Dent to explain how insurance companies are paying close attention to the uptick of severe weather, adapting to climate change, and applying it to insurance policy premiums when you file a claim. LISTEN
How will climate change and more severe weather affect homeowners’ insurance policies?
How will climate change and more severe weather affect homeowners’ insurance policies?

Climate change means more extreme weather—weather that could be like what the Chicago area saw last week with storms and tornadoes tearing through the area by the dozen. Experts say insurance companies are paying close attention, and the average person should be doing so too.…
Experts have guidance on getting repairs, filing claims, avoiding scams after storm damage
Experts have guidance on getting repairs, filing claims, avoiding scams after storm damage

With severe damage seen throughout the Chicago area as storms brought tornadoes both Sunday and Monday night, experts had some advice on filing insurance claims, and avoiding scams. As of Tuesday evening, a total of five tornadoes had been confirmed in the Chicago area from…
Illinois law leaves Chicago area homeowner with big repair bills after flooding that wasn’t her fault
Illinois law leaves Chicago area homeowner with big repair bills after flooding that wasn’t her fault

Many underground pipes that bring water into Illinois homes are getting old, which means more and more opportunities for the nightmare scenario faced by one Round Lake Beach homeowner. Things are more cozy at Marnia Chapai’s house, but it hasn’t felt like home in a…
Insurance consumer advocate group unveils state-by-state guide to insurance legal rights
Insurance consumer advocate group unveils state-by-state guide to insurance legal rights

For Immediate Release:  March 13, 2023 Contact: Amy Bach, Executive Director SAN FRANCISCO, March 9, 2023 – United Policyholders (UP), a national insurance consumer advocacy non-profit, today announced a major expansion of its services. Insurance company claim adjusters are required to know and follow the…
Most Americans uninformed about long-term care insurance
Most Americans uninformed about long-term care insurance