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Locations, crime rates and proximity to emergency services have major influence on home insurance costs.
The U.S. has experienced a record-high 25 disasters this year that have generated at least $1 billion in damages each.
MGAs can offer insurers a cost-effective entry into new or niche markets without having to make the typical expenditures associated with expansion.
Nearly half of brokers surveyed by Chubb said their clients don't request flood insurance quotes.
Subrogation is often explained as 'stepping into the shoes of another,' and is a way insurers can recover losses in some cases.
Non-tornadic gusts such as straight-line winds and derechos are occurring five times more frequently.
Cat bonds are rising in popularity as their returns trounce those of virtually all other debt markets.
While the NFIP was established in 1968, interest in such a program stretches back much further.
Having accurate, up-to-date geolocation data is more critical than ever as property risk shifts to reflect a changing climate.
Review what flood insurance does and doesn't cover as well as how 'flooding' is defined by the NFIP.
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