Homeowners Insurance in Colorado Is Out of Control. Here’s How the State Is Fighting Back

Logan B.
Homeowners Insurance in Colorado

Colorado’s Push to Tame Homeowners Insurance Costs with State-Funded Programs With insurance rates soaring and natural disasters reshaping risk models, Colorado is taking bold strides to tackle skyrocketing homeowners insurance costs. From introducing a new state-backed reinsurance program to launching the FAIR Plan for vulnerable properties, policymakers are navigating a labyrinth of challenges to bring relief to stressed homeowners. But as with any grand plan, the devil is in the details. Understanding the Proposed Fee At the core of Colorado’s legislative efforts lies House Bill 1302, a proposal designed to…

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Pay-As-You-Go Auto Insurance: Custom Coverage for Today’s Driving Habits

Guest Author
mileage based insurance

The conventional auto insurance model was designed for a world where most people commuted daily and used their vehicles consistently. Today’s reality is far more diverse, with remote work, ridesharing, public transportation options, and varying driving patterns becoming increasingly common. Pay-as-you-go auto insurance has emerged as a flexible solution tailored to these modern driving habits.  Understanding Pay-As-You-Go Auto Insurance Models Pay-as-you-go auto insurance encompasses several different approaches, all designed to align coverage more closely with actual vehicle usage: Usage-Based Programs These monitor your driving habits through telematics devices or smartphone…

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Florida Property Insurance Shake-Up: What Every Homeowner Must Know in 2025

Tate Ellison
Florida Property Insurance

Florida Property Insurance – New Players, Wildfire Risks, and Legislative Shifts The property insurance market in Florida has long been a hot topic, and 2025 is no exception. With new insurers entering the state, wildfire hazard maps being updated, and ongoing legislative battles shaping the landscape, Floridians are witnessing significant developments. But what does all this mean for homeowners, insurers, and the future of property coverage in the Sunshine State? Here’s a closer look. Florida Welcomes New Insurers Amid Shifting Market Dynamics Over the past two years, Florida has seen…

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State Farm Rate Hike Fallout: Californians Brace for Judge’s Decision

H. Cutner
California Insurance news State Farm Hearing Update

Californians on Edge as Judge Weighs State Farm’s Rate Hike Request The courtroom drama around State Farm’s emergency rate hike request might be finished, but the fallout is just beginning. After a high-stakes, three-day hearing in Oakland, the insurer, the California Department of Insurance, and advocacy groups are all waiting on an administrative law judge to decide if the proposed increases will formally take effect. And while this legal tug-of-war plays out, roughly three million California homeowners and policyholders are bracing themselves for what these changes might mean for their…

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Hazing Prevention Matters, But What About Hazing Insurance? Lessons From Northwestern

Angela Linders
Hazing Prevention

Northwestern University Hazing Settlements Reshape Liability Landscape for Higher Education Northwestern University, a prestigious institution often celebrated for its academics and athletics, is now under scrutiny for an unfolding hazing scandal that has rocked its reputation. The university recently entered a provisional settlement resolving claims of hazing, sexual abuse, and racial discrimination among its football players. While the terms of the settlement remain confidential, the ripple effects on the broader landscape of liability insurance for educational institutions are undeniable. For universities and insurers alike, this case serves as a stark…

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Balancing Privacy and Progress: The Debate Around California Insurance Bill SB 354

G. Turner
California Insurance Bill

SB 354 Awaits Vote to Revolutionize Insurance Privacy California is once again putting privacy front and center with Senate Bill 354, the Insurance Consumer Privacy Protection Act (ICPPA) of 2025. Introduced by Senator Monique Limón and supported by Insurance Commissioner Ricardo Lara, the bill seeks to enhance transparency and provide consumers with greater rights over their personal data within the insurance market. However, before these measures can become law, SB 354 must still pass through the California Senate and Assembly and receive the governor’s approval. This legislative milestone has sparked…

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From 22% to 17%: The Inside Story of State Farm’s Rate Cut Pivot

Angela Linders
california insurance state farm insurance news

State Farm’s Rate Pivot in California: What the 17% Request Means for You State Farm, one of the nation’s largest insurers, has been making headlines after scaling back its California emergency rate hike request to 17%. For policyholders and industry watchers alike, this isn’t just another number shuffle; it’s a significant moment in the ongoing tug-of-war between insurers and state regulators. What prompted this shift? And more importantly, what does it mean for the people paying the bills? Read on as we dissect the moving parts of this story. From…

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