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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The End of FAIR Plan Dependence? California’s Big Insurance Industry Fix

Ben Jones
California Insurance Industry Options

California’s Insurance Market Shake-Up: What’s Happening and What It Means for You Big changes are coming to California’s insurance industry market. And they’re not just tweaks. These are game-changing reforms aimed at fixing a system that’s been struggling under the weight of climate change, rising costs, and outdated rules. So, what’s the deal? Let’s break it down. What’s the Problem? For years, homeowners in wildfire-prone areas have been stuck. Insurance companies have been pulling back, refusing to write policies in high-risk zones. Why? Because the risks are just too high,…

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State Farm’s Big Win: How a Florida Ruling Could Reshape Auto Insurance

John Bowers
State Farm's Victory in Flrida

Why This Florida Ruling Matters for Insurers State Farm just scored a major victory in Florida. A court ruled that insurers don’t have to pay Medicare’s capped rates for medical bills if the provider charges less. Sounds like a small technicality, right? It’s not. This decision could save insurers millions and shake up how personal injury protection (PIP) claims are handled. But what does this mean for you? Let’s break it down. First, What’s PIP? PIP stands for Personal Injury Protection. It’s a type of car insurance that covers medical expenses,…

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Genworth Rate Hike Shakes Up Long-Term Care Insurance Landscape

H. Cutner
Long-Term Care Insurance

Genworth Life Insurance dropped a bombshell when it proposed a jaw-dropping 233% rate hike for its long-term care insurance policies. That’s right, 233%. In Maine, regulators pulled the brakes—chopping that monster hike down to 76%. But let’s get real: a jump like that still hurts. And if you’re thinking this is just a Maine thing, think again. Genworth’s campaign for higher premiums is nationwide—with hundreds of hikes already stamped “approved.” Between 2021 and 2023, Genworth scored the green light for 429 rate increase requests across the country. The average increase…

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