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Legislation and Politics guides
AI in home insurance: the rules on underwriting and claimsWhat rules apply when home insurers use AI and algorithms to underwrite policies and handle claims, including the NAIC model bulletin, and what you can ask.Attorney fees and insurance litigation reformWho pays the lawyer in a home claim suit: the American rule, state fee-shifting statutes, Florida's repeal of one-way fees, and what changed for policyholders.California's Sustainable Insurance StrategyWhat the Sustainable Insurance Strategy changes in California: wildfire models, reinsurance costs in rates, the 85% writing commitment and what you can expect.Fannie Mae and Freddie Mac homeowners insurance requirementsWhat Fannie Mae and Freddie Mac require in a homeowners policy after the March 2026 changes: replacement cost basis, the 5% deductible cap and insurer ratings.Federal catastrophe reinsurance proposalsBills in Congress would put a federal backstop behind insurers or state programs after huge disasters. What the INSURE Act and others do, and the arguments.The federal role in home insuranceWashington does not regulate homeowners policies, but it runs flood insurance, studies the market, sets mortgage rules and pays disaster aid. Where it stops.FHA, VA and USDA homeowners insurance requirementsWhat FHA, VA and USDA loan rules say about homeowners and flood insurance: who picks the insurer, how much coverage, escrow, and what the lender may not demand.Florida's home insurance market: what happened and what changedHow Florida's home insurance market broke between 2019 and 2023, what the reforms did, and where prices, Citizens and new insurers stand as of October 2026.Florida's 2022–2023 property insurance reforms explainedWhat Florida's 2022-2023 property insurance laws changed for policyholders: attorney fees, assignment of benefits, claim deadlines, roof rules, grants.The home insurance affordability crisis: what the data showPremiums have outrun incomes in storm-exposed states, and some homeowners are priced out. Evidence from ICE, Urban, GAO, Harvard and the Fed on who bears it.Home insurance legislation to watchFederal and state home insurance bills and new laws as of October 2026, from NFIP reauthorization to California claims reforms, and how to track any bill.Your data and your home insurer: privacy rulesWhat home insurers collect, which laws govern it (GLBA, FCRA, state insurance privacy rules), how to opt out of sharing, and how to correct your reports.Insurance cost disclosure in home salesWhat sellers must and must not tell buyers about claims, flood history and insurability, why no law makes them disclose premiums, and how buyers find out.Insurance redlining and fair housing lawHow the Fair Housing Act applies to homeowners insurance, what redlining looks like in underwriting and pricing, and where to complain if you suspect it.Disaster moratoriums on cancellations and nonrenewalsAfter a declared disaster some states bar insurers from dropping homes for a set period. What it covers, how long it lasts and what it does not stop.NFIP reauthorization and what a lapse means for youWhen the NFIP lapses, existing policies and claims continue but new policies and added coverage stop. What happened in 2025–2026 and how to protect yourself.Prior approval vs file-and-use rate lawsPrior-approval states make insurers wait for sign-off before changing homeowners rates; file-and-use states do not. How each works and the trade-offs.State home hardening grant programsWhich states pay homeowners to strengthen roofs and openings, how much, who qualifies, how application windows work, and what is unconfirmed (October 2026).State insurance commissioners: elected vs appointedEleven states elect their insurance commissioner and the rest appoint one. What the job controls, how the two models differ, and what that means for homeowners.