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State Farm is expected to maintain its leading market share in California even without writing new business, according to Fitch Ratings.

Assessing and determining the value of items involved can require the expertise of contents valuators and other experts.

The deal will make HDI International the third-largest player in the Latin American P&C market.

Growing construction costs, increasing catastrophe exposure and a difficult reinsurance market led to the decision, according to the company.

"Every case that seems to come to a different conclusion than the preceding case law muddies the waters," said Margaret Garner, appellant counsel.

Home insurance rates in the U.S. are expected to see an average increase of 9% this year.

Evolving for the better: Agents and brokers should be well-versed in these issues to anticipate the industry's future.

Direct premiums written in 2022 were up nearly $80 billion from the previous year, according to the NAIC.