Vermont has been ranked the best state on its property-casualty insurance regulatory environment, and Florida the worst state, according to a report from The Heartland Institute.
In assigning grades for the 2011 report, study author and Heartland Institute Vice President of Washington, D.C., operations Eli Lehrer looks at how free consumers are to choose the P&C insurance products they want as well as how free insurers are to provide the P&C insurance products consumers say they want.
States are ranked on nine variables: politicization, regulatory clarity, residual automobile markets, residual homeowners' markets, market concentration for auto, market concentration for home, regulatory environment, credit scoring and territorial rating.
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