Insurance 101

Sinkhole Law Changes
Effective January 1, insurers in Pasco and Hernando counties can non-renew sinkhole coverage and offer coverage instead for catastrophic ground cover collapse.
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Credit-based Insurance Scores
Insurance companies continually strive for accuracy to correlate rates for insurance policies as closely as possible with the actual cost of claims.
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Changes in the Flood Insurance Program
Important changes to the National Flood Insurance Program (NFIP) take effect on October 1, 2009. If you already have a flood policy, nothing will change until your policy comes up for renewal. For new policies and at renewal time, these changes will mean an increase in rates, a higher deductible amount and an increase the basic coverage limits. 
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Latest Research
Issues Updates

Understanding Deductibles
There are two types of deductibles for homeowners insurance in Florida - one for windstorms/hurricanes and one for all other types of losses. The minimum amount of the windstorm deductible is set by state law. Find out more here.
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Catastrophes Hidden in Everyday Risks
Exposure to catastrophic risk seems to be rising, creating unexpected losses in unforeseen places. This paper spotlights the growing complexity.
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Facts and Statistics Highlights

National Flood Insurance Program
In 2006, the average cost of a flood insurance policy was $474 for $190,849 of insurance coverage. How does the national flood program work and which areas of the country depend most on this important coverage? Find out here.
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