Personal Lines

Insurance insiders understand why premiums need to climb for autos and homes -- but consumers are angry. 

Soaring combined ratios demonstrate P&C insurance is due for fundamental, structural reform. Innovative solutions are available. 

As cities expand, they often sprawl into previously undeveloped, rural territories, placing communities close to wildlands and forests.

Balancing inflation and claims payouts shows the importance of updating policy coverage.

Insurers must leverage innovative technology to manage evolving risks and adopt radical transparency. Those that don’t will be left behind.

We may finally see consumers start to change their behaviors, either leaving risky areas or fortifying their homes and businesses.  

An industry standard has taken hold that will let smart-home devices talk to each other seamlessly, setting the stage for a wave of innovation.

Advances in satellites and supercomputing make it easier to predict the direction and intensity of major storms -- and a whole lot more.