Editorial Changelog
What changed, and when
Every page on this site is dated. When a data point's value moves, we keep the previous value and the date it changed, and the next reader sees both the prior figure and the date it moved. The feed below is the 50 most-recent changes across 1 day, newest first.
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Jun 18, 2026 · 50 changes
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Massachusetts · 2 changes
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Carriers Pulled Back
was Several carriers have modified or stopped writing on Martha's Vineyard / coastal MA as of 2024: Plymouth Rock, Narragansett Bay Insurance Co (NBIC), Openly, and Swyfft all modified or stopped policies on Martha's Vineya…
now Plymouth Rock, Narragansett Bay Insurance Co (NBIC), Openly, and Swyfft all modified or stopped writing on Martha's Vineyard (2024). Main Street America Insurance announced a full personal-lines exit from Massachusetts, with homeowners, dwelling fire, and umbrella non-renewals b…
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Recent Changes
was MPIUA insured more than 173,000 properties in 2024, its first single-year increase in policies since 2017 and its largest single-year jump in ~two decades. On Cape Cod and the Islands, nearly 40% of homes are now insure…
now Statewide homeowners premiums rose 12.7% in 2024, per the MA DOI 2024 Annual Home Insurance Market Report (issued December 2025). The FAIR Plan grew by 24,436 policies in fiscal year 2024, reaching more than 173,000 insured properties - the largest single-year increase since 200…
Massachusetts Division of Insurance 2024 Annual Home Insurance Market Report / CommonWealth Beacon ↗
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Idaho · 3 changes
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Rate Approval Regime
was Idaho is a file-and-use state for personal-lines property/casualty rate filings. Carriers must file rates with IDOI but may use them without prior approval, subject to IDOI review for adequacy, excessiveness, and unfair…
now Idaho uses a use-and-file regime for personal-lines property/casualty rate filings. Carriers may implement new rates immediately upon the effective date and must file with IDOI within 30 days of that date; no waiting period or prior approval is required. IDOI reviews filings aft…
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Recent Changes
was April 22, 2025: IDOI issues Bulletin 25-02 launching statewide Property Insurance Market Data Call. 2025 legislative session: HB 17 and HB 384 (wildfire mitigation fund proposals) introduced and held in committee; no en…
now April 22, 2025: IDOI issues Bulletin 25-02 launching statewide Property Insurance Market Data Call. 2025 legislative session: HB 17 and HB 384 (wildfire mitigation fund proposals) introduced and held in committee; no enactment. Summer to fall 2024: Idaho experiences worst wildfi…
Idaho Legislature HB 562 / HB 618 / HB 619 (2026 session) + IDOI ↗
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Premium Baseline
was Idaho average annual homeowners premium grew from $1,308 in 2022 to $1,468 in 2023 (+12.2%) to $1,798 in 2024 (+22.4%), per IDOI's 2025 property insurance market data call (statewide average across all admitted carriers…
now Idaho average annual homeowners premium grew from $1,308 in 2022 to $1,468 in 2023 (+12.2%) to $1,798 in 2024 (+22.4%), per the Idaho Department of Insurance 2025 Property Insurance Market Data Call results (October 2025; statewide average across all admitted carriers reporting)…
Idaho Department of Insurance, 2025 Property Insurance Market Data Call Results (October 2025) ↗
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Nevada · 2 changes
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Non Renewal Rules
was Nevada requires written notice for cancellation or nonrenewal under NRS 687B.320-687B.350. Cancellation: at least 10 days for nonpayment, 30 days for other grounds. Nonrenewal: at least 30 days for personal lines (60 da…
now Nevada requires written notice for cancellation or nonrenewal under NRS 687B.320-687B.350. Cancellation: at least 10 days for nonpayment, 30 days for other grounds. Nonrenewal: at least 30 days for personal lines (60 days for commercial). Policies in force 70+ days or renewed ca…
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Wildfire Cancellation Data
was Per Nevada Division of Insurance 2025 Insurance Market Report: in 2023, 481 homeowners policies in Nevada were canceled or non-renewed due to wildfire risk (an 82% increase from 264 in 2022). Nearly 5,000 homeowners app…
now Per Nevada Division of Insurance 2025 Insurance Market Report: in 2023, 481 homeowners policies in Nevada were canceled or non-renewed due to wildfire risk (an 82% increase from 264 in 2022). Nearly 5,000 homeowners applications were declined for wildfire risk in 2023, a 104.8% …
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Minnesota · 2 changes
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Recent Changes
was Per III FY2024 reporting: approximately 4,261 policies in force, total exposure approximately $457 million. Minnesota saw rising homeowners insurance rates driven by severe storm/hail losses, MN is among the most hail-a…
now Per III FY2024 reporting: approximately 4,261 policies in force, total exposure approximately $457 million. Minnesota saw rising homeowners insurance rates driven by severe storm/hail losses; MN is among the most hail-active states. In 2024, Minn. Stat. 65A.29 was amended to add…
Minnesota Laws 2025, 1st Special Session, Chapter 4 (MN Revisor) ↗
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Eligibility Rule
was Applicants must have been 'canceled, non-renewed, or otherwise unable to obtain coverage from an insurer in the private market' before qualifying. Documentation of rejection from the standard market required. Property m…
now Applicants must have been canceled, non-renewed, or otherwise unable to obtain coverage from an insurer in the private market before qualifying. Documentation of rejection from the standard market required. Property must meet minimum insurability standards. Homeowners coverage a…
Minnesota Laws 2025, 1st Special Session, Chapter 4 (MN Revisor) ↗
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New Jersey · 3 changes
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State Doi Consumer Url
was https://www.nj.gov/dobi/division_consumers/insurance/homeowners.htm
now https://www.nj.gov/dobi/division_consumers/insurance/homeowner.htm
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Lodging Or Other Notes
was NJIUA is funded by premiums plus assessments on member insurers (all admitted NJ property insurers, by market share), with the New Jersey Insurance Development Fund (N.J.S.A. 17:37A-18 et seq.) as a statutory backstop; …
now NJIUA is funded by premiums plus assessments on member insurers (all admitted NJ property insurers, by market share), with the New Jersey Insurance Development Fund (N.J.S.A. 17:37A-18 et seq.) as a statutory backstop; a 'FAIR Plan surcharge' regulation (N.J.A.C. 11:1-5.1) gover…
N.J.A.C. 11:1-5.1; New Jersey Department of Banking and Insurance (nj.gov/dobi) ↗
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Non Renewal Rules
was New Jersey (N.J.A.C. 11:1-20, Renewal, Cancellation and Nonrenewal of Commercial and Homeowners Insurance Policies; and N.J.S.A. 17:36-5.16 et seq.): N.J.A.C. 11:1-20.4(l) permits insurers to cancel a policy for any non…
now New Jersey (N.J.A.C. 11:1-20, Renewal, Cancellation and Nonrenewal of Commercial and Homeowners Insurance Policies; and N.J.S.A. 17:36-5.16 et seq.): N.J.A.C. 11:1-20.4(l) permits insurers to cancel a policy for any non-prohibited reason during the FIRST 60 days the policy is in…
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Louisiana · 3 changes
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Non Renewal Rules
was Louisiana's '3-year rule' (La. R.S. 22:1265) was materially WEAKENED by HB 611 (Act of 2024 Regular Session), effective August 1, 2024. For policies ISSUED AFTER August 1, 2024, the 3-year rule does NOT apply at all (ne…
now NOTICE PERIOD: Louisiana HB 345 (Act 182, 2025 Regular Session), effective July 1, 2026, extends the written notice period for cancellations and non-renewals from 30 days to 60 days for most property and casualty policies including homeowners (La. R.S. 22:887, 22:1266, 22:1267, …
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Recent Changes
was LA Citizens enrollment surged after the 2020-2021 hurricane wave (Laura, Delta, Zeta, Ida) and the resulting insolvency of roughly a dozen carriers, peaking at approximately 140,000 policies in summer 2023; since 2024 i…
now LA Citizens enrollment surged after the 2020-2021 hurricane wave (Laura, Delta, Zeta, Ida) and the resulting insolvency of roughly a dozen carriers, peaking at approximately 140,000 policies in summer 2023. As of November 2025, the policy count stood at approximately 105,000 (do…
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Premium Positioning
was Historically more expensive than the private market by design: La. R.S. 22:2303 requires LA Citizens' rates to be set at least 10% above the highest rate charged by any admitted private insurer in the parish, an intenti…
now Historically more expensive than the private market by design: La. R.S. 22:2303 requires LA Citizens' rates to be set at least 10% above the highest rate charged by any admitted private insurer in the parish, an intentional last-resort disincentive. LA Citizens imposed a roughly…
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Kansas · Non Renewal Rules
was Kansas requires at least 30 days' written notice before a homeowners policy non-renewal per the Kansas Insurance Department Home and Renters Shopper's Guide. No specific Kan. Stat. Ann. section governing a personal-line…
now Kansas requires at least 30 days written notice before cancellation of a fire or casualty policy (K.A.R. 40-3-15, a Kansas administrative regulation). For NON-renewal: Kansas requires at least 30 days' written notice before a homeowners policy non-renewal per the Kansas Insuranc…
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North Dakota · Regulatory Authority
was North Dakota Insurance Department
now North Dakota Insurance and Securities Department
North Dakota Insurance and Securities Department Contact Us ↗
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Mississippi · 2 changes
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Non Renewal Rules
was Governed by Miss. Code §83-5-28 and Mississippi HB 1611 (2025 session, signed by Governor 2025-03-21). Two regimes apply in a transition window that closes within weeks: for policies issued or renewed THROUGH June 30, 2…
now Governed by Miss. Code 83-5-28 as amended by Mississippi HB 1611 (2025 session, signed by the Governor 2025-03-21, effective 2025-07-01). The 45-day notice requirement is now in effect for all personal-lines property and casualty policies: carriers must give 45 days written noti…
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Recent Changes
was Mississippi has TWO residual-market plans and they are different orders of magnitude. MRPIUA (FAIR Plan, statewide fire & EC for low-value/hard-to-place dwellings): ~2,237 habitational policies / ~$138M exposure per III…
now Mississippi has TWO residual-market plans and they are different orders of magnitude. MRPIUA (FAIR Plan, statewide fire and EC for low-value/hard-to-place dwellings): ~2,237 habitational policies / ~$138M exposure per III FY2024 (III excludes MS commercial policies). MWUA (Beach…
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Montana · 2 changes
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Hero Stat Override
was 22.1%
now 22.1%
S&P Global Market Intelligence RateWatch / NAIC rate-filing data; Insurance Information Institute ↗
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Market Outlook 2026
was Montana's homeowners market is among the most stressed in the country on availability and pricing. Rates rose 22.1% in 2024 (tied for largest one-year jump nationally) and another 18% in 2025; six-year cumulative growth…
now Montana's homeowners market is among the most stressed in the country on availability and pricing. Rates rose 22.1% in 2024 (tied for largest one-year jump nationally, per S&P Global Market Intelligence RateWatch / NAIC rate-filing data) and approximately 18% in 2025 per separat…
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Iowa · 3 changes
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Premium Positioning
was Generally more expensive than the standard market for narrower coverage; ACV basis (no replacement cost) means lower effective coverage than a typical homeowners policy. Iowa home insurance rates rose materially in 2024…
now Generally more expensive than the standard market for narrower coverage; ACV basis (no replacement cost) means lower effective coverage than a typical homeowners policy. Iowa home insurance rates rose materially in 2024 amid rising tornadoes, hailstorms, and insurer rate increas…
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Recent Changes
was Key 2024 change: Iowa FAIR Plan temporarily suspended the unresolved/unpaid claims ineligibility rule effective July 1, 2024, to prevent coverage gaps for storm-damaged Iowans who received cancellation/non-renewal notic…
now Key 2024 change: Iowa FAIR Plan temporarily suspended the unresolved/unpaid claims ineligibility rule effective July 1, 2024, to prevent coverage gaps for storm-damaged Iowans who received cancellation/non-renewal notices before securing replacement coverage. Iowa has experience…
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Carriers Pulled Back
was At least four carriers have fully exited Iowa homeowners insurance writing: Pekin Insurance withdrew from Iowa homeowners writing in January 2024 (per KCRG May 2024 reporting); IMT Insurance paused new personal lines po…
now At least four carriers have fully exited Iowa homeowners insurance writing: Pekin Insurance withdrew from Iowa homeowners writing in January 2024 (per KCRG May 2024 reporting); IMT Insurance paused new personal lines policies in Iowa in July 2024 and stopped renewing existing si…
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Nebraska · 2 changes
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Roof Coverage Practice
was Since 2022-2023, Nebraska homeowners insurance carriers have increasingly shifted roof coverage from replacement cost value (RCV) to actual cash value (ACV) endorsements, with depreciation schedules tied to roof age. Th…
now Since 2022-2023, Nebraska homeowners insurance carriers have increasingly shifted roof coverage from replacement cost value (RCV) to actual cash value (ACV) endorsements, with depreciation schedules tied to roof age. This is a market-driven response to hail-loss frequency rather…
Nebraska Department of Insurance, Rules and Regulations Index (210 NAC Chapter 60) ↗
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Premium Growth 2024
was Nebraska homeowners insurance premiums rose approximately 22.1 percent in 2024 (tied with Montana for the largest one-year jump nationally per S&P Global Market Intelligence rate-filing aggregation); S&P Global puts the…
now Nebraska homeowners insurance premiums rose approximately 22.7 percent (weighted average) in 2024 per S&P Global Market Intelligence rate-filing aggregation, the largest one-year jump nationally. Nebraska ranked sole #1; Montana ranked #2 at 22 percent and Iowa ranked #3 at 21.1…
Carrier Management (citing S&P Global Market Intelligence rate-filing data, January 2025) ↗
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Georgia · 3 changes
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Eligibility Rule
was FAIR Plan / market of last resort: available to any person with an insurable interest in Georgia property who is unable to obtain property insurance in the standard (admitted) market. Georgia does not publish a fixed nu…
now FAIR Plan / market of last resort: available to any person with an insurable interest in Georgia property who is unable to obtain property insurance in the standard (admitted) market. Georgia does not publish a fixed numeric declination count in statute; the practical gate is th…
Georgia Underwriting Association (official plan operator) / O.C.G.A. § 33-33-1 ↗
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Perils Covered
was Personal-lines options include a Basic Homeowners (HO-8) form and a Dwelling Fire (DP-1) form, plus a wind/hail-only policy in eligible coastal areas, and commercial fire. Named-peril coverage: fire, lightning, windstor…
now Personal-lines options include a Basic Homeowners (HO-8) form and a Dwelling Fire (DP-1) form, plus a wind/hail-only policy in eligible coastal areas, and commercial fire. Named-peril coverage: fire, lightning, windstorm/hail, vandalism and malicious mischief, etc. Optional add-…
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Recent Changes
was Georgia homeowners premiums rose ~8.6-9% in 2025 (vs ~5.6% national) and ~24% cumulatively 2023-2025 / ~39.7% since 2021; ~10% further increase projected for 2026. Driver: Hurricane Helene (landfall Sept 2024) plus seve…
now Georgia homeowners premiums rose approximately 8.6-9% in 2025 (vs approximately 5.6% national) and approximately 24% cumulatively 2023-2025, approximately 39.7% since 2021; approximately 10% further increase projected for 2026. Driver: Hurricane Helene (landfall September 2024) …
Insurance Journal / Georgia Governor's Office signed legislation 2026 ↗
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New York · Recent Changes
was NYPIUA wrote 20,669 habitational policies and 1,556 commercial policies in FY2024 (total exposure: $7.633 billion), small relative to the CA / FL / TX / LA coastal pools. Pressure points: Long Island / NYC coastal-area …
now NYPIUA wrote 20,669 habitational policies and 1,556 commercial policies in FY2024 (total exposure: $7.633 billion), small relative to the CA / FL / TX / LA coastal pools. Pressure points: Long Island / NYC coastal-area carriers tightening hurricane-exposure underwriting and roof…
Insurance Information Institute, FAIR Plans by State, FY2024 (NYPIUA row) ↗
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Indiana · Non Renewal Rules
was Residential property insurance non-renewal: insurer must mail written notice to named insured at least 20 days before policy expiration (Ind. Code 27-7-12-4). Cancellation: 10 days notice for non-payment; 20 days for mi…
now Residential property insurance non-renewal: insurer must mail written notice to the named insured at least 60 days before policy expiration (Ind. Code 27-7-12-4, as amended by HEA 1260 / Public Law 86, effective 2026-07-01; the prior notice period was 20 days). Cancellation: 10 …
Indiana HEA 1260 / Public Law 86 (2026) amending IC 27-7-12-4 (Indiana General Assembly) ↗
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Maine · Premium Baseline
was According to the NAIC May 2025 dwelling-fire and homeowners report, Maine had the 10th-lowest average homeowners insurance premiums in 2022 (the most recent year for which NAIC state-level data is available). Maine has …
now According to the NAIC May 2025 dwelling-fire and homeowners report, Maine had the 10th-lowest average homeowners insurance premiums in 2022 (the most recent year for which NAIC state-level data is available). Maine has held the 9th, 10th, or 11th-lowest position since 2009 and h…
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Tennessee · 2 changes
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Inquiry Vs Claim Protection
was Tenn. Code § 56-7-113 bars insurers from increasing premium or canceling a homeowners policy solely on the basis of an inquiry; a violation is an unfair trade practice under the Tennessee Unfair Trade Practices and Unfa…
now Tenn. Code § 56-7-113 bars insurers from increasing premium or canceling a homeowners policy solely on the basis of an inquiry; a violation is an unfair trade practice under the Tennessee Unfair Trade Practices and Unfair Claims Settlement Act of 2009.
Tennessee Department of Commerce and Insurance, Insurance Division - Rules and Laws (TCA Title 56) ↗
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Tornado Exposure
was Tennessee recorded 1,392 tornadoes 1950-2024 per NOAA SPC (425 fatalities, 5,098 injuries; 1 F5/EF5; 122 EF3+). Annual average 1995-2025 = ~31 tornadoes/yr; long-run 1950-2025 average ~19/yr. Recent years: 2020 = 35 (27…
now Tennessee recorded 1,456 tornadoes 1950-2025 per NOAA NWS Nashville (408 fatalities, 5,098 injuries on prior injury count; EF5/F5 count: 1; EF3+ count: 122). Annual average 1995-2025 = ~31 tornadoes/yr; long-run 1950-2025 average ~19/yr. Recent years: 2020 = 35 (27 deaths, incl.…
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Alaska · 2 changes
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Non Renewal Rules
was Alaska's cancellation and nonrenewal rules sit in two distinct statutes. AS 21.36.220 governs MID-TERM CANCELLATION: at least 30 days' notice for personal property/casualty (20 days for nonpayment of premium, 10 days fo…
now Alaska's cancellation and nonrenewal rules sit in two distinct statutes. AS 21.36.220 governs MID-TERM CANCELLATION: at least 30 days' notice for personal property/casualty (20 days for nonpayment of premium, 10 days for fraud or crime); 60 days for commercial. AS 21.36.240 gove…
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Recent Changes
was Jan 15, 2025: Sen. Bert Stedman (R, Southeast Alaska District A) introduces Senate Bill 11 to create the Alaska Flood Authority, which would offer state flood insurance mirroring NFIP coverage limits, funded entirely by…
now June 24, 2025: Governor Dunleavy signs SB 132 (Ch. 17 SLA 25), Omnibus Insurance Bill. Effective January 1, 2026: personal-lines nonrenewal notice extended from 20 days to 45 days under AS 21.36.240; nonrenewal of a personal insurance policy limited to the policy's annual annive…
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Utah · Premium Baseline
was Utah average homeowners premium in 2024 ranged from approximately $1,168 to $1,541 depending on methodology, with most sources clustering around $1,200 to $1,500 for a typical replacement-cost policy. The standout figur…
now Utah average homeowners premium in 2024 ranged from approximately $1,168 to $1,541 depending on methodology, with most sources clustering around $1,200 to $1,500 for a typical replacement-cost policy. The standout figure for Utah is the speed of increase: premiums grew approxima…
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Hawaii · 2 changes
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Carriers Pulled Back
was The 2023-2025 stress was concentrated in CONDO master policies (the hurricane layer) rather than single-family homeowners, many primary insurers cut their hurricane sub-limits (to roughly 20-30% of building value), forc…
now Universal Property & Casualty Insurance Company (UPC) exited the Hawaii homeowners, condominium, and renters insurance market statewide. Non-renewals began with policies having anniversary dates on or after September 1, 2023; last policies effective August 31, 2024. Approximatel…
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Recent Changes
was Hawaii condo insurance crisis (2023-2025): after the August 2023 Maui (Lahaina) wildfire and a hard global reinsurance market, roughly 375-390 condominium buildings became underinsured for hurricane; some AOAOs saw hurr…
now Hawaii condo insurance crisis (2023-2025): after the August 2023 Maui (Lahaina) wildfire and a hard global reinsurance market, roughly 375-390 condominium buildings became underinsured for hurricane; some AOAOs saw hurricane premiums spike by up to roughly 1,000%, and Fannie Mae…
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Connecticut · Non Renewal Rules
was Connecticut (Conn. Gen. Stat. § 38a-323): a personal-risk (homeowners) insurer must give at least 60 days' advance written notice of intent not to renew, and the notice must state or be accompanied by the reason for non…
now Connecticut (Conn. Gen. Stat. § 38a-323): a personal-risk (homeowners) insurer must give at least 60 days advance written notice of intent not to renew, and the notice must state or be accompanied by the reason for non-renewal; the same 60-day notice applies to a conditional ren…
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Arizona · 3 changes
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Premium Baseline
was Arizona average HO-3 (the most common homeowners policy form) premium increased about 20% from 2018 to 2022 per DIFI; LendingTree's State of Home Insurance 2025 reports a 70% increase 2019-2025 (4th-largest in the US), …
now Arizona average HO-3 (the most common homeowners policy form) premium increased about 20% from 2018 to 2022 per the DIFI Resiliency and Mitigation Council 2025 Final Report; aggregated rate-filing data show a roughly 70% increase 2019-2025 (4th-largest in the US), and a 13% incr…
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Rate Approval Regime
was Arizona is a file-and-use state. DIFI has no statutory authority to set or approve homeowners insurance rates; carriers file and may begin using rates without prior approval, subject to DIFI review for compliance.
now Arizona is a use-and-file state under A.R.S. 20-385. Carriers may begin using rates immediately upon their effective date and must file them with DIFI within 30 days of effectiveness. DIFI has no authority to require pre-approval of rates before use, except in a noncompetitive m…
A.R.S. 20-385 (Filing of rates), Arizona Revised Statutes Title 20 ↗
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Average Premium
was Roughly $2,300 to $2,700 per year for a typical Arizona homeowner in 2025, slightly below the US average (~$2,800). Range: ~$1,571 to $7,354 by coverage / location. Phoenix metro tends higher than Gilbert and Mesa; Pres…
now Roughly $2,300 to $2,700 per year for a typical Arizona homeowner in 2025, slightly below the US average (~$2,800). Range: ~$1,571 to $7,354 by coverage / location. Phoenix metro tends higher than Gilbert and Mesa; Prescott / Flagstaff / Payson WUI homes can exceed $5,000.
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Oregon · Statute
was ORS 735.005-735.145 (Oregon FAIR Plan Association); ORS 735.045 (membership requirement for all admitted OR property insurers); ORS 742.566 (homeowners non-renewal notice, 30 days); ORS 746.687 (mid-term cancellation gr…
now ORS 735.005-735.145 (Oregon FAIR Plan Association); ORS 735.045 (membership requirement for all admitted OR property insurers); ORS 742.566 (homeowners non-renewal notice, 30 days); ORS 746.687 (mid-term cancellation grounds); ORS 742.277 + ORS 742.278 (codified from SB 82, 2023…
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New Hampshire · Recent Legislation
was NH 2024-2025 property-insurance package (most consequential first): SB 121 (2025), signed by Governor Kelly Ayotte (who replaced Sununu 2025-01-08) on 2025-07-18, requires any fire/casualty insurer ceasing to write an e…
now NH 2024-2026 property-insurance package (most consequential first): SB 121 (2025), signed by Governor Kelly Ayotte on 2025-07-15 (Chapter 232; effective 2025-09-13), requires any fire/casualty insurer ceasing to write an entire line in NH to give NHID and agents of record 120 da…
NH General Court (SB 121 enrolled text, Chapter 232) + NH General Court (HB 1259) ↗
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California · 2 changes
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Recent Changes
was Policies in force ~684,388 as of March 2026 (up ~6% since Sep 2025; up ~152% since Sep 2022); total exposure ~$750 billion as of March 2026 (up ~8% since Sep 2025; up ~242% since Sep 2022). In autumn 2025 the FAIR Plan …
now Policies in force ~684,388 as of March 2026 (up ~6% since Sep 2025; up ~152% since Sep 2022); total exposure ~$750 billion as of March 2026 (up ~8% since Sep 2025; up ~242% since Sep 2022); written premium $2.02 billion as of March 2026 (up ~4% since Sep 2025; up ~208% since Sep…
California Department of Insurance - FAIR Plan Stipulation and Order No. 2026-2 ↗
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Carriers Pulled Back
was State Farm General: stopped accepting new homeowners/property & casualty applications statewide effective May 27, 2023; non-renewed ~30,000 homeowners and ~42,000 commercial apartment policies in 2024; received 17% emer…
now State Farm General: stopped accepting new homeowners/property & casualty applications statewide effective May 27, 2023; non-renewed ~30,000 homeowners and ~42,000 commercial apartment policies in 2024; received 17% emergency interim rate increase on homeowners effective June 1, …
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Ohio · Non Renewal Rules
was Ohio is unusual: ORC §3937.25 covers grounds for cancellation of commercial property/fire/casualty (with §3937.30 separately covering automobile insurance under the same chapter); §3937.26 sets 30-day non-renewal notice…
now Ohio is unusual: ORC §3937.25 covers grounds for cancellation of commercial property/fire/casualty (with §3937.30 separately covering automobile insurance under the same chapter); §3937.26 sets 30-day non-renewal notice on the same commercial lines. Homeowners/residential proper…
Ohio House of Representatives: HB 652 Committee Page (136th General Assembly) ↗
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Illinois · Recent Changes
was Rate increases approved by IL DOI on the IFPA's own filings: Homeowners +11.6% statewide average effective 04/01/26; Dwelling Fire +13.8% effective 04/01/25; Homeowners +9.4% effective 04/01/24; Dwelling Fire +9.6% effe…
now Rate increases approved by IL DOI on IFPA filings: Homeowners +11.6% statewide average effective 04/01/26; Dwelling Fire +13.8% effective 04/01/25; Homeowners +9.4% effective 04/01/24; Dwelling Fire +9.6% effective 04/01/23; Homeowners +8.3% effective 04/01/22. Policy count appr…
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Kentucky · Recent Changes
was Policies in force: 3,539 as of January 2025 (down 6.2% from end of 2023). Policy mix: Dwelling Fire 85%, Homeowner 11%, Commercial 3%, Farm 1%. Claims in 2024: 132. Loss ratio: 44.38%; combined ratio: 135.90%. Member eq…
now Policies in force: 3,189 as of January 2026 (down approximately 9.9% from 3,539 in January 2025). Policy mix: Dwelling Fire 85%, Homeowner 11%, Commercial 3%, Farm 1%. Claims in 2025: 159 (up from 132 in 2024). Loss ratio: 52.25%; combined ratio: 140.92% (year-end 2025). Member …
Kentucky FAIR Plan Reinsurance Association + apps.legislature.ky.gov (HB 256 / SB 153) ↗
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See how we compile and verify for the full method, and /states/ for every state with its current verified-through date.