Agents are well-aware of how state insurance regulations can affect themselves and the insurance industry as a whole. It's also important to also know how they affect policyholders, especially homeowners.

According to a report by the Rutgers Center for Risk and Responsibility at Rutgers Law School, states differ dramatically in how much and what kind of regulation they provide for the benefit of homeowners' insurance policyholders. The report, titled "State-by-State Rankings: 'Use It and Lose It,'" ranked all 50 U.S. states and D.C. on how state insurance regulations protect policyholders based on the university's Essential Protections for Policyholders project.

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