Why Are Home Insurance Rates Rising? A Regional Breakdown of Surprises and Spikes

Marc
Why are Home Insurance rates rising?

Home insurance rates are climbing across the U.S., but depending on where you live, the difference could be—well, shocking. Some states are seeing rates barely budge, while others are watching their costs skyrocket. Vermont, Alaska, and Maine? Small bumps. Colorado, Nebraska, and Montana? Not so lucky. What’s driving these disparities? And, more importantly, what’s the biggest surprise hiding in these numbers? The High Climbers: Where Rates Are Spiking Take Nebraska, for example. Homeowners there saw a jaw-dropping 22.1% increase in 2024 alone. Colorado’s not far behind with an eye-popping 76.6%…

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Insurance Giants at a Crossroad: USAA Pulls Back While Lemonade Doubles Down

Nordstrom
Insurance Giants

Big changes are shaking up the world of insurance. USAA is tapping the brakes on its telematics-based Pay-As-You-Drive program. Meanwhile, Lemonade? It’s revving up the engine, pushing telematics to the forefront of its car insurance offerings. Two companies. Two very different roads. What’s Going on With USAA? USAA’s Pay-As-You-Drive program is officially a thing of the past. For those who already signed up? Their policies will run until the end of their term. But once that’s over, it’s game over. No renewals. No extensions. It’s a pretty clear-cut move. Instead…

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HUD Proposes Ending Green Discount for Multifamily Loans

Logan B.
Green Discount

Move could reshape incentives for energy-efficient housing and multifamily development The U.S. Department of Housing and Urban Development (HUD) has introduced a proposal that’s turning heads in both the housing and sustainability sectors. It wants to end the Green Mortgage Insurance Premium (MIP) reduction—an incentive designed to reward multifamily housing projects that meet green building standards. Here’s the twist: the reduced premium won’t disappear. Instead, HUD plans to extend it to all multifamily loans, no matter the project’s energy efficiency. This change? It’s a big deal. For renters. For developers.…

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Rhode Island’s New Pet Insurance Act Is Here. What’s the Big Deal?

Marc
Rhode Island 1

Rhode Island is shaking up the pet insurance game. Come January 1, 2026, insurers selling coverage for pets in the Ocean State will have to follow the strict rules laid out in the brand-new Pet Insurance Act. This law isn’t just about pets—it’s about protecting people, too. Confused policies? Hidden fees? Sneaky preexisting condition exclusions? Rhode Island says, “No more.” But what does this mean for pet owners—and insurers? Could this act set standards across the U.S.? Here’s everything you need to know about the law that has the entire…

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No Proof, No Payout: The New Rules for Louisiana Insurance Claims

H. Cutner
Louisiana Property Insurance

Insurance Industry Reacts to Louisiana’s New Claims Law Louisiana’s House Bill 437 is shaking things up in the insurance world. Signed into law in June 2025, it’s got insurers, agents, and industry groups buzzing. Why? Because it changes how claims are paid out and adds new penalties for delays. Some are calling it a win for insurers. Others? Not so much. Here’s the deal: the law lets insurers hold back replacement cost payouts until policyholders prove they’ve paid their deductible. Proof means real evidence—like canceled checks, credit card statements, or…

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The 10% Debate: Can Texans Afford Windstorm Season?

Tate Ellison
Can Texans Afford Windstorm Season

Brace Yourself, Texas Windstorm Season Is Here The Gulf Coast is holding its breath. Windstorm season is in full swing, and with it comes the annual scramble to prepare homes, businesses, and communities for the worst. But this year, there’s more than just hurricanes brewing. A storm of legal and financial debates is raging over windstorm insurance rates—and it’s hitting coastal Texans where it hurts most: their wallets. Preparedness: Are We Ready? Hurricane season runs from June 1 to November 30, and experts are urging Texans to act now. The Texas…

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From Puppy Mills to Transparency: California’s Fight for Pet Safety

Anna Cruise
Pet Safety

California’s New Pet Bills: What You Need to Know California is shaking things up for pet owners, breeders, and brokers. Three new bills are making their way through the state legislature, and they could change the way pets are bought, sold, and even insured. Let’s break it down. Why These Bills? It all started with a bombshell investigation by the Los Angeles Times. The report exposed a troubling pipeline of dogs being imported into California, many from puppy mills—large-scale breeding operations that prioritize profit over animal welfare. These mills are infamous…

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