Home Insurance

This article discusses the rising cost of coastal disasters, the role of natural defenses like mangroves and coral reefs, and innovative insurance solutions to protect these natural assets. It highlights the potential of parametric insurance as a tool for pre-disaster protection and recovery.

This article discusses the impact of recent hurricanes on Louisiana's insurance industry, leading to significant losses and insurer insolvencies. It also explores the role of technology and policy in mitigating these losses and the importance of understanding flood insurance.

FEMA's draft report explores innovative insurance models, including parametric triggers and blockchain technology, to enhance disaster preparedness and close the insurance gap.

A recent Chubb survey reveals the top concerns of high-net-worth individuals, including liability risks, climate threats, and third-party litigation funding. This article explores these concerns and provides useful recommendations for mitigating these risks.

This article discusses the warning from Colorado State University about the imminent threat of above-normal hurricane activity over the next two weeks, focusing on the potential impacts of Hurricane Kirk and Tropical Depression 13. It also highlights the economic and human toll of recent hurricanes and provides essential advice for those in hurricane-prone areas.

FEMA's recent publication of flood insurance claim records since 1978 offers unprecedented insights into the National Flood Insurance Program. This article explores the implications of this data release for private insurers, data privacy concerns, and practical advice for homebuyers.

This article analyzes the flood insurance coverage in coastal Carolinas, highlighting the takeup rates and providing recommendations for homeowners.

The number of lightning-caused U.S. homeowners insurance claims has decreased, but the average cost per claim has increased. This article explores the reasons behind this trend and provides useful advice for homeowners.

This article provides an overview of earthquake insurance, including information on economic losses, measuring earthquake severity, and recovering from an earthquake. It also includes data on the costliest earthquakes in US and world history, and provides tips for protecting yourself, your structure, and your financial interests.

This article explores how two Florida communities, Babcock Ranch and Hunters Point, successfully navigated Hurricane Milton by investing in disaster resilience. It discusses the cost-benefit analysis of such investments, the role of incentives and partnerships, and provides practical advice for readers.

This article discusses the widespread impact of hurricanes beyond coastal areas, the hidden danger of inland flooding, and the importance of flood insurance. It emphasizes the need for preparedness and provides practical advice for homeowners.

This article discusses the issue of food spoilage during power outages and the insurance coverage available for such losses. It also provides useful advice for homeowners to consider.

FEMA's Risk Rating 2.0 aims to modernize the National Flood Insurance Program by measuring flood danger more accurately, potentially leading to fairer and more sustainable insurance premiums.

This article discusses the importance of flood insurance, addressing common misconceptions and highlighting the benefits of having coverage. It also provides data on the prevalence of floods and the low percentage of Americans with flood insurance.

This article discusses the risks of mudslides following wildfires, the importance of preparation and early warning systems, and the implications for insurance coverage. It provides practical advice for homeowners and emphasizes the need for adequate flood insurance.

Miami-Dade County, Florida, has seen significant flood insurance rate cuts due to its investment in resilience and participation in FEMA's Community Rating System. This article explores the benefits of such investments and the broader impact of proactive flood risk management.

CSAA Insurance Group is leading the charge in innovation within the insurance industry by tackling climate risk through various initiatives and partnerships. This article explores their efforts and the increasing need for collaborative solutions.

This article delves into the factors driving the rising cost of homeowners insurance claims in the United States, including natural disasters, insurance fraud, and state-level variations. It also provides practical advice for homeowners to manage their insurance costs.

This article explores the significant role modern roofs play in preventing hurricane damage, drawing from a FEMA study and historical context. It also addresses the issue of insurance fraud and provides practical advice for homeowners.

This article provides a detailed guide on how to handle homeowners insurance non-renewals, including understanding the difference between cancellation and non-renewal, shopping for new policies, and exploring state-run and surplus lines options.

This article discusses the growing concern of lightning strikes for homeowners and businesses, highlighting the financial impact and the importance of preventive measures and insurance coverage.

This article delves into the significant rise in lightning-caused homeowners insurance claims in 2020, particularly in California, and discusses the financial impact, state-by-state analysis, and homeowners insurance coverage related to lightning damage.

This article delves into the issue of legal system abuse and its impact on insurance costs, using Triple-I’s latest Issue Brief as a reference. It highlights key takeaways, discusses the situation in Florida as a case study, and provides actionable insights for readers.

This article discusses the importance of building codes in disaster mitigation, evaluates state performance in building code enforcement, and highlights the broader impact of strong building codes. It also provides useful advice for residents in hurricane-prone states.