News and information for property & casualty insurance agents & brokers on personal lines insurance, including homeowners insurance, flood insurance, earthquake insurance, renters insurance, automobile insurance, life insurance, disability insurance, umbrella insurance and health insurance. These insurance products protect individuals and families against potentially crushing financial losses caused by fire, theft, natural disasters, death, accidents, lawsuits and illness.
The insurance industry lost money on underwriting in 2012 and its rate of return of 5.9 percent fell far short of its long term average. But profitability is improving.
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