My Insurance Guide

Insurance licensing exam prep: Life, Health, and P&C. Study guides, industry news, and event updates for agents and candidates. Try our insurance flashcard app!

[My Insurance Guide @MyInsureGuide]

Washington's 2026 wildfires are nearing $1 billion in insured losses on about 3,500 claims. IBHS found combustible fences and mulch created pathways that let fire reach homes, with flames reaching fire-resistant exterior walls. #insurance #propertyinsurance

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HUB International's VIU now shops personal lines inside ChatGPT: home and auto quotes from many carriers in 48 states, then a licensed advisor binds the policy. The first comparison happens before an agent is in the room. #insurance #insurtech
https://t.co/v0NlDa2AWS

[My Insurance Guide @MyInsureGuide]

California's incoming insurance commissioner wants the state to carry wildfire losses itself, leaving private carriers the rest of the homeowner risk. Jane Kim leads 53.5% to 46.5%. The plan needs the Legislature. #insurance #propertyinsurance
https://t.co/6EL1RkOMMz

[My Insurance Guide @MyInsureGuide]

NI Holdings exited non-standard auto entirely, segment premiums down 100.2% in Q3. That leaves brokers in North Dakota, South Dakota and Nebraska with one fewer market for high-risk drivers, just as personal auto rates there fall. #insurance #autoinsurance
https://t.co/T6YbUWsMZn

[My Insurance Guide @MyInsureGuide]

General liability excludes auto claims. A business auto policy without hired and non-owned coverage leaves the business with no liability coverage when an employee drives a personal car on the job. Photo: Mateusz Dach / Pexels #insurance #autoinsurance

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Missouri proposed 2027 workers comp loss costs at a flat 0%. Yet 35.2% of its lost-time claims involved an attorney in 2025, vs 22.3% countrywide. Litigation offsets gains from falling frequency.
Photo: Mikael Blomkvist / Pexels
#insurance #workerscomp
https://t.co/QLrTuyqpUK

[My Insurance Guide @MyInsureGuide]

Oklahoma regulators put Mending Health into conservatorship Oct. 30 over its finances. The insurer exits the Oklahoma market Dec. 31, so individual and small-group members need a 2027 plan.
Photo: Mikhail Nilov / Pexels
#insurance #healthinsurance
https://t.co/0UUpmS7cDb

[My Insurance Guide @MyInsureGuide]

Florida's CFO race went to incumbent Blaise Ingoglia over Annette Taddeo. The office runs the Department of Financial Services, which handles consumer complaints and major parts of insurance regulation. #insurance #propertyinsurance
https://t.co/LHpGEt3I7d

[My Insurance Guide @MyInsureGuide]

Insurers proposed a median increase of about 15% for 2027 federal Marketplace plans, per KFF's filings analysis. Enhanced tax credits expired, so households just above 400% of poverty pay full premium. Enrollment opens Nov. 1.
#insurance #healthinsurance
https://t.co/iINQwxe9ir

[My Insurance Guide @MyInsureGuide]

$91B in global insured catastrophe losses through September, lowest nine months since 2019. Fitch's post-Monte Carlo survey has 60% expecting more property-cat cuts at Jan. 1 renewals. Softer pricing, and terms worth rereading. #insurance #reinsurance
https://t.co/ju29gHS8MD

[My Insurance Guide @MyInsureGuide]

Florida charged a licensed agency owner as an accomplice over a four-year scheme selling forged workers comp certificates through a Hialeah agency. The carrier confirmed no policies existed and the contractor got a stop-work order. #insurance #workerscomp
https://t.co/FrGjVl97Pt

[My Insurance Guide @MyInsureGuide]

$3.5M contents limit on an Illinois mansion. A fire paid $25,000 because the owner ran weddings and lodging there, and a court held the furnishings were business property under a $25,000 cap. Chubb had flagged the gap 2 years before. #insurance #homeowners
https://t.co/U4KjHhqj0L

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Florida sued climate modeler First Street on Oct. 23 over the 1-to-10 risk scores shown on Zillow and Redfin and used by insurers. The state argues the scores are inaccurate and can feed insurance costs and coverage status. #insurance #propertyinsurance
https://t.co/w8hAgVu1iB

[My Insurance Guide @MyInsureGuide]

Florida multifamily property rates fell from $797 per door to $472. Liability went from $167 to $229. Advocate data calls the property softening cyclical and social inflation structural: savings reverse, liability does not. #insurance #propertyinsurance

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An Oct. 22 order directs Fannie Mae and Freddie Mac to accept automated title review in place of title policies on eligible refis, and to pilot mortgage insurance cancellation. Title agents and mortgage insurers lose premium. #insurance #titleinsurance
https://t.co/8kPFXiaMTt

[My Insurance Guide @MyInsureGuide]

Connecticut regulators found 19 personal auto and 19 homeowners filings with rate decreases for some consumers, naming State Farm, Farmers, Liberty Mutual. Averages vary by coverage and rating factors, so not every renewal drops. #insurance #autoinsurance
https://t.co/bYL3gQV1tO

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Arbol now insures data center construction against government moratoriums, a peril commercial property forms miss since they pay only on physical damage. Opposition blocked or delayed 75 projects worth about $130 billion in Q1 2026. #insurance #insurtech
https://t.co/lAOGikR5e3

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NFIP flood policies carry up to $30,000 of Increased Cost of Compliance coverage, but only after a community building official finds substantial damage: flood damage at half of pre-flood value. No finding, no code-upgrade money. #insurance #floodinsurance
https://t.co/DDtjXKPiwG

[My Insurance Guide @MyInsureGuide]

Florida suspended Atlantic Coast Life's certificate of authority Sept. 30, finding the A-Cap annuity and life insurer impaired. South Carolina seeks rehabilitation. New Florida business is barred; existing policies stay in force. #insurance #lifeinsurance
https://t.co/gkQq7QbQdL

[My Insurance Guide @MyInsureGuide]

NABIP sued HHS and CMS on Oct. 15 over a Marketplace moratorium that bars agents and brokers with no 2026 registration from registering for 2027. About 19,000 are locked out as federal Open Enrollment opens Nov. 1. #insurance #healthinsurance
https://t.co/eeGKVI5mLw