Author: zxdev

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Parametric insurance programme launched to protect Caribbean coral reef

by zxdev|posted on | in Insurance
AXA COLPATRIA, AXA Climate, Fondo Acción, and WTW Alternative Risk Transfer have partnered to announce a collaborative parametric insurance programme intended to safeguard coral reefs in the Colombian Archipelago of San Andrés, Providencia, and Santa Catalina.
The programme is designed to “protect crucial marine life” in the Caribbean’s second largest coral reef from hurricanes, while simultaneously “securing a future for its coastal communities”.
The collective effort is supported by the Ocean Risk and Resilience Action Alliance (ORRAA) and the MAR Fund, with the Blue Action Fund providing monetary support.
The Archipelago is a nature and climate refuge with a marine area covering roughly 10 per cent of the Caribbean Sea and, according to the San Andrés and Providencia government, is home to over 250 species of fish and nearly 60 coral species — making it crucial for conservation.
According to the firms, the escalating intensity of extreme weather events is placing the ecosystem under stress. Late 2020 saw Hurricanes Eta and Iota strike the islands, damaging over 70 per cent of the reefs, as reported by the Colombian Bulletin of Marine and Coastal Research.
Through the initiative, when predefined triggers — such as wind speed thresholds — are met, insurance is automatically activated, with funds being released shortly thereafter.
Virgil Salmon, senior parametric underwriter at AXA Climate, believes that: “This model could, for instance, trigger an automatic payout of 80 per cent of the insured value in a scenario similar to Hurricane Iota, with funds used directly for reef restoration.”

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How to find affordable homeowners insurance in a high-risk fire zone

by zxdev|posted on | in Insurance
As of August 2025, nearly four million acres have already been burned by wildfires, and there have been a total of 44,470 known wildfires this year to date. While those numbers are below last year’s total, the damage caused this year in California alone already exceeds previous years. Wildfires are becoming increasingly problematic, and so too is insuring properties against this threat. One-third of the U.S. population lives in counties with high wildfire risk, but California has seen some of the most prominent insurance market convulsions around fire risk and home insurance. Carriers are limiting coverage due to this threat in sections of other states as well, like in rural Oklahoma. With wildfires becoming increasingly dangerous to homeowners and coverage becoming more complicated to find, it’s vital to understand the fire risks to your home and the insurance options available. 
How fire risk affects homeowners insurance costs

According to the National Interagency Fire Center (NIFC), 64,897 wildfires affected over 8.9 million acres in the U.S. in 2024. These numbers, together, are the highest since 2017, when 71,499 fires affected 10 million acres. In 2025, the LA wildfires alone are estimated to have caused between $28 to $53 billion in property damage. Areas prone to this type of wildfire risk create a challenging insurance landscape.
When determining home insurance rates, most insurance companies will review the home’s location and the surrounding area’s features. Neighborhoods close to wildfire zones or in wildland urban interface locations are more at risk of damage or total loss. The higher the disaster risk, the higher the home insurance premium typically is, often making homeowners insurance in fire-prone areas relatively expensive. As rising temperatures and more frequent droughts spread across the U.S., areas that were once unaffected by wildfires are becoming at risk for this type of natural disaster.

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Car insurance discounts: 17 ways to save

by zxdev|posted on | in Insurance
Car insurance discounts can trim a little — or a lot — off your auto insurance premium, but it can be difficult to tell if you’re leveraging everything your insurance company offers, and not all auto insurance companies have the same discounts.
But the good news is most car insurance companies give separate discounts for good driving habits, vehicle safety features, a clean driving record, and even certain billing options that reduce your insurance rates. You might even be able to get all of the above.
How much can you save with a car insurance discount?
Discounts can range from a few percentage points off a certain type of coverage to more than 25% off the total cost of an auto insurance policy. The savings depend on the type of discount, the carrier, the insurance plan, and the state where you live.

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Health insurance carriers request raising ACA premiums by more than 20% on average in Texas

by zxdev|posted on | in Insurance
Health insurance companies have requested an average premium increase of 24% for Affordable Care Act plans in Texas in 2026, a significant hike that could lead to destabilization in the marketplace and customers opting for less or no coverage.
Last year, the average rate hike across insurance carriers was 3.8%. Data analysis from KFF found that next year’s rate hikes could be the largest increase since 2018, when average premiums went up by 35% in Texas. In 2018, companies factored in Congress’ attempts to repeal the Affordable Care Act and President Donald Trump signing an executive order ending subsidies to insurers for low-income people. After 2018, average premiums in Texas have never risen by more than 4%.
Nearly 4 million Texans bought health insurance coverage through the ACA marketplace for 2025, a high-water mark in a state that has the highest uninsured rate in the nation. ACA uptake has tripled since 2020, after Congress expanded tax credits to lower ACA users’ monthly premiums.

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State Lawmakers Tackle Soaring Home Insurance Rates

by zxdev|posted on | in Insurance
New York lawmakers are grappling with a crisis in the state’s home insurance market as residents face rapidly rising premiums and reduced policy availability. A number of factors, including increased costs for insurers due to inflation, widespread litigation, and especially the growing frequency of costly, climate-related disasters, are contributing to the problem. The insurance industry has been struggling with underwriting losses for three consecutive years, with some insurers even pulling out of certain markets.
The premium hikes are not uniform across the state. Homeowners in high-risk areas, particularly those in coastal regions susceptible to storms and flooding, are seeing the most dramatic increases. For example, some multifamily apartment building owners in New York City have seen their rates more than double since 2020. This trend is not unique to New York; a U.S. Treasury report highlights that homeowners in the highest-risk climate zones across the country are paying significantly more for coverage and experiencing higher policy nonrenewal rates.
Legislators are concerned that the current market instability could jeopardize the state’s housing market and price people out of their homes. In response, a bipartisan group of lawmakers is pushing for a public hearing to investigate the issue with state agencies and industry leaders. They aim to create more transparency in rate-setting and explore potential solutions, such as establishing a state-backed entity to provide coverage where private insurers are withdrawing and encouraging property owners to take mitigation steps to lower their risk scores.

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Rokstone Agriculture expands into US equine market

by zxdev|posted on | in Insurance
Rokstone Agriculture has secured $1 million in capacity from Professional Solutions Insurance Company to launch equine mortality insurance across 19 US states, the company announced Monday.
The specialist agriculture and livestock managing general underwriter, part of international speciality insurance MGA Rokstone, will offer the new product line through PSIC, which carries an “A” rating from A.M. Best, according to a news release.

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New Ways Travel Insurance Can Keep You Safe When You’re Traveling

by zxdev|posted on | in Insurance

Travel insurance may cover you if you get into trouble on your next vacation. But what if travel insurance could help you avoid trouble?

Consider a natural disaster like the Los Angeles wildfires earlier this year. If you’d had a travel insurance policy with Travelex and downloaded its Travel On app to your phone, the insurance company would have sent you real-time updates and access to support.
“These alerts can help you react quickly and adjust your plans, which might mean finding a safer area to avoid disruptions,” says Will Nihan, CEO of Travelex Insurance Services. “It’s an effective way travelers can stay informed and prepared while they’re traveling.”
This summer, travel insurance companies are embracing a simple idea: If they can keep their policyholders safe, they can prevent a claim from being filed — and that’s a win for everyone.
The timing is good. Travelers are more worried about safety than ever. A recent survey by Berkshire Hathaway Travel Protection (BHTP) listed international terrorism, environmental issues like extreme weather or natural disasters, and flight disruptions as their top three perceived travel threats for 2025.
A poll of Medjet members reveals 76 percent are more worried about traveling this year. Mike Hallman, CEO of Medjet, says his company had to expand its membership services department to keep up with an influx of calls.

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