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…
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…
Take these steps if your home or business could be damaged by NJ wildfires
Take these steps if your home or business could be damaged by NJ wildfires

As a wildfire fueled by drought near the New Jersey-New York border left an 18-year-old volunteer firefighter dead and burned through thousands of acres, forecasters are warning of an increased risk of spread throughout the week. The blaze, formally named the Jennings Creek wildfire, is…
NJ auto insurers seeking double-digit rate hikes
NJ auto insurers seeking double-digit rate hikes

NJ auto insurers seeking double-digit rate hikes Most of New Jersey’s auto insurers are asking for double digit rate hikes this year — the most, 63% from Metromile, followed by 43% from Farmers. “It’s really related to how insurers are reacting in general both to…
New Jersey Supreme Court to rule on pandemic-related insurance exclusions
New Jersey Supreme Court to rule on pandemic-related insurance exclusions

New Jersey’s Supreme Court is considering whether an Atlantic City casino can get payouts from business interruption insurance for losses during the COVID-19 outbreak, potentially providing guidance for policyholders nationwide regarding the scope of coverage for pandemic-related losses. The state’s high court heard arguments Wednesday…
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…
NJ residents face insurance challenges beyond grace periods during pandemic
NJ residents face insurance challenges beyond grace periods during pandemic

Among the many impacts of the coronavirus are those on insurance. Gov. Phil Murphy last week mandated a 90-day grace period for auto, homeowner’s and renter’s insurance payments and a 60-day grace period for health insurance payments. Murphy’s reprieve, however, doesn’t aid the uninsured and…
Flood Insurance Problems that Bedeviled Sandy Homeowners Still Remain: Who Will Fix Them?
Flood Insurance Problems that Bedeviled Sandy Homeowners Still Remain: Who Will Fix Them?

Menendez legislation that would reform federal program may be voted on this week, but it faces uphill battle When Superstorm Sandy came ashore near Denise Vaccaro’s bayfront home in the Ocean County community of Forked River back in October of 2012, it was just the…
Flooded by winter storm? 5 steps you must take
Flooded by winter storm? 5 steps you must take

Many Jersey Shore residents had to mop up from flooding after the weekend blizzard — despite what Gov. Chris Christie initially said — and experts offer these five tips to residents and business owners looking to maximize their flood insurance claims. There was nearly $3…
Thousands of homes damaged by Sandy remain uninsured
Thousands of homes damaged by Sandy remain uninsured

Thousands of Long Island homes damaged by superstorm Sandy are still not covered by flood insurance, leaving much of the region dependent on government aid if another catastrophe hits, a Newsday analysis of federal data has found. Since the 2012 storm, the number of properties…
FEMA’s Sandy Flood Insurance Review Taking Longer Than Expected
FEMA’s Sandy Flood Insurance Review Taking Longer Than Expected

The Federal Emergency Management Agency’s review of Superstorm Sandy flood insurance claims is taking longer than expected, with fewer than 200 checks issued. FEMA announced in March the review for as many as 142,000 claims after homeowners complained they were shortchanged. A FEMA official expected…