NFIP flood policies carry up to $30,000 of Increased Cost of Compliance coverage, but only after a community building official finds substantial damage: flood damage at half of pre-flood value. No finding, no code-upgrade money. #insurance #floodinsurance agents.floodsmart.gov/topics…

Florida suspended Atlantic Coast Life's certificate of authority Sept. 30, finding the A-Cap annuity and life insurer impaired. South Carolina seeks rehabilitation. New Florida business is barred; existing policies stay in force. #insurance #lifeinsurance insurancejournal.com/magazin…

NABIP sued HHS and CMS on Oct. 15 over a Marketplace moratorium that bars agents and brokers with no 2026 registration from registering for 2027. About 19,000 are locked out as federal Open Enrollment opens Nov. 1. #insurance #healthinsurance insurancebusinessmag.com/us/…

Medicare Advantage open enrollment opened Oct. 15 and runs to Dec. 7; about 3.2 million enrollees, roughly 1 in 10, lose their plan for 2027. Year three of contraction leaves 193 counties with no MA drug plan. #medicare #healthinsurance cnn.com/2026/10/15/politics/…

2027 Open Enrollment: Nov. 1 to Jan. 15; Dec. 15 is the deadline for Jan. 1 coverage. Marketplace savings from Jan. 1, 2027 go only to LPRs, Cuban/Haitian entrants and COFA migrants. State exchanges differ. #insurance #healthinsurance Photo: RDNE Stock project / Pexels

MetLife Pet Insurance now quotes dog and cat coverage inside ChatGPT, where pet parents can apply before purchasing on the MetLife site. The agent-free sale is the part other carriers will watch. #insurance #insurtech finance.yahoo.com/healthcare…

Home policies pay for the burst pipe, not the slow leak. Most exclude damage from constant seepage and the mold it feeds, so a leak found weeks later is the owner's repair bill, not a claim. #insurance #homeowners tdi.texas.gov/tips/when-are-…

Private credit sits in life insurer portfolios through vehicles reported as bonds, so the capital backing them is thinner than a direct fund stake would require. NAIC exposed SSAP No. 26 revisions in August to curb that. #insurance #NAIC insurancebusinessmag.com/us/…

Hurricane Isaias has switched on Florida's hurricane deductible. It applies until 72 hours after the last watch or warning. Insurers must offer $500, 2%, 5% or 10% of the dwelling limit. #insurance Photo: Aviz Media / Pexels myfloridacfo.com/division/co…

Texas rates are trending down. Since July 1, most homeowners insurers filing with TDI proposed decreases averaging 4.3%, covering about 700,000 policyholders, and auto filings cut rates for 4.4 million drivers. #insurance #autoinsurance tdi.texas.gov/news/2026/tdi1…

Sens. Warren and Hawley are probing six carriers over claims closed with no payout. The five largest home insurers paid nothing on more than 44% of claims resolved in 2025, up from 36% a decade earlier. #insurance #autoinsurance

State Farm is raising Illinois homeowners rates an average 8%, effective Oct. 1 on new business and Dec. 1 on renewals, citing more severe weather. The hike lands before Illinois gains rate review authority on July 1, 2027. #insurance #homeinsurance chicagotribune.com/2026/10/0…

An ACORD 25 certificate is evidence, not coverage. It confers no rights on the holder and cannot amend the policy, so relying on one for additional-insured status fails at claim time. #insurance #commercialinsurance Photo: Pixabay / Pexels gc.nh.gov/rsa/html/XXXVII/41…

Guidewire HazardHub rates over 1 million California homes as very high wildfire risk, and finds property-level mitigation can cut expected losses by up to 70%. Roughly 98% of damage lands in the top 10% of at-risk properties. #insurance #homeinsurance carriermanagement.com/news/2…

ACA Open Enrollment for 2027 coverage runs Nov. 1 to Jan. 15; Dec. 15 is the deadline for a Jan. 1 start. Brokers without a 2026 Exchange Agreement cannot register for 2027. State-based exchange dates vary. Photo: photoGraph / Pexels #insurance #healthinsurance

Zurich closed its £8.1 billion ($10.7 billion) purchase of Beazley, taking one of Lloyd's largest specialty managing agents out of independent ownership. Beazley is a leading Lloyd's cyber writer and a major US E&S market. #insurance insurancejournal.com/news/in…

The Senate passed S. 4395 by unanimous consent, extending the federal terrorism backstop to 2034 from a Dec. 31, 2027 sunset. A different House version still leaves carriers and policyholders awaiting reconciliation. #insurance #reinsurance insurancejournal.com/news/na…

Approved homeowners rate increases averaged 13.5% in 2024 and 4.3% in the first half of 2026, per AM Best. The segment posted a $16.5 billion underwriting gain for 2025, its first in six years. Photo: Curtis Adams / Pexels #insurance #homeinsurance

Commercial property policies often require a building to be insured for at least 80% of its value. Insure below that and every claim, not just a total loss, is scaled down by the same ratio. #insurance #commercialinsurance Photo: Atlantic Ambience / Pexels irmi.com/term/insurance-defi…