Day: June 30, 2025

Citizens Insurance Legal Battle and What It Means for Florida Homeowners

H. Cutner
Citizens Insurance - Florida

Who Really Wins? The Story of Florida’s AOB Battle Who actually wins when insurance claims turn into legal fights? That’s exactly what people are asking after a Florida appeals court flipped the script on Citizens Property Insurance Corporation. The case, involving a homeowner and their contractor, reveals a lot about how property insurance works—or doesn’t—and who really benefits from a system involving Assignments of Benefits (AOB). What’s This Case About? It started like many insurance disputes in Florida do. A home suffered weather damage. Big storm, bad timing. Typical. The…

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One Small Law, One Big Win for Rhode Island Drivers

Tate Ellison
Rhode Island Auto Insurance Law

Rhode Island Takes a Stand on Insurance Questions Starting January 1, 2026, Rhode Islanders will no longer have to worry about paying extra for simply asking their auto insurance provider a question. Sounds surprising, right? But until now, insurers in the state could raise your premium just because you checked in about your coverage. That’s changing—thanks to a new law. What’s the Deal? The law, passed in June 2025, prevents insurers from slapping policyholders with a rate hike just for asking about their coverage. It’s a small legislative tweak, but…

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When Protests Turn Costly: The Role of Political Violence Insurance

Logan B.
Political Violence Insurance

How Businesses Are Betting Big on Political Violence Insurance Insurance. It’s not glamorous, but it’s essential. Especially when the world feels like it’s on fire—sometimes literally. Political violence insurance is booming, and for good reason. Businesses are scrambling to protect themselves from the chaos of strikes, riots, and civil unrest. But is it worth the investment? Let’s break it down. The Numbers Don’t Lie Since 2010, strikes, riots, and civil commotion (SRCC) events have racked up over $10 billion in insured losses globally. Compare that to less than $1 billion for…

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Sharing Economy Shake-Up: Insurance in the Hot Seat

H. Cutner
Insurance 1

The Sharing Economy Boom: How Insurance and People Are Adapting The sharing economy is everywhere. Cars, backyards, camping gear—you name it, someone’s renting it out. It’s a booming market, but it’s not all smooth sailing. Insurance companies are scrambling to keep up. And not everyone renting out their stuff knows the risks. Insurance Companies: Playing Catch-Up The rise of peer-to-peer rentals has forced the insurance industry to rethink its playbook. Traditional policies? They don’t always cut it. Take car-sharing, for example. Most personal auto insurance policies don’t cover commercial use.…

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State Farm Enters New Ground with VUL Insurance

Live Insurance News
State Farm enters VUL Insurance

State Farm and Pacific Life Team Up State Farm is stepping into new territory. For the first time, it’s offering a Variable Universal Life (VUL) insurance product. The new option, called Pacific Protector Plus VUL, comes from a partnership with Pacific Life. Pacific Life has been around since 1868. It’s known for its expertise in life insurance and investments. Together, these two companies bring nearly 260 years of experience to the table. A New Direction for State Farm This is a big shift for State Farm. The company has always…

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