Comparing state regulators' resources to the size of their insurance markets, by multiple metrics, shows certain smaller states better equipped than much larger ones. This three-part series by Digital Insurance breaks down the metrics that reveal differences.

The residential property management industry has a glaring risk problem: a systemic failure to treat renters insurance compliance as a continuous obligation, rather than a one-time checkbox.

Some small state regulators have as much resources as large ones, comparatively. Vermont is boosted by its captive insurance industry.

Some regulators from smaller states have relatively higher levels of resources by a budget to premiums metric.

Regulators from larger states have more resources, as shown by the ratio of staff per insurer.

Insurers can empower data and risk management by leveraging advanced algorithms for compliance and insights.

Regulators from 12 states will conduct questionnaires with insurers, seeking insights into their use of AI, over the next six months. The results will be used to adjust the questionnaire before it is formally adopted.

In a new legislative package offered Wednesday, House lawmakers halved the deposit insurance limit offered in earlier deposit insurance reform bills coming from the Senate.

The state's House passed a bill concerning hidden consumer transaction fees, but with amendments, drawn from previous failed bills, setting a 10% limit on auto and fire insurance rate increases.

Using AI to identify property risks solely from aerial images is not foolproof, experts say.

The integration of AI into insurance frameworks is also creating some legal liabilities that carriers must consider as part of any deployment.

The National Council of Insurance Legislators (NCOIL), a group of state legislators concerned with insurance industry regulation, will reconsider a measure that failed in 2025. States have varied regulations or laws governing how insurers may set home policy premiums or drop policyholders based on aerial images of their property.

At its upcoming spring meeting, the association of state insurance regulators will hear an updated plan for a system of evaluating insurers' use of AI, and a rollout of a new call for home insurance data.

Federal Deposit Insurance Corp. Chair Travis Hill said in a speech Wednesday morning that the agency will move to codify stablecoins as ineligible for deposit insurance — which is required under the GENIUS Act — and that the prohibition likely will include pass-through deposit insurance arrangements.

The state's regulator and a leading consumer advocacy group are parties to the settlement, which also addresses non-renewals following the January 2025 wildfires.

SB 1301 and SB 1076, addressing home insurance non-renewals, follow earlier proposals about smoke claim damage standards, the state's home insurance of last resort, and standards for prompt payment of claims. Also, insurance commissioner clarifies restrictions on consumer advocate compensation.

California AB 1795, the Smoke Damage Recovery Act, would make home insurance more expensive and push more policyholders onto the state's insurer of last resort, according to an insurance industry attorney.

The actuarial profession is at an inflection point as actuaries focus on sustainability, implementing AI and collaborating across company infrastructures.

Insurers learned that 2025 was about regaining balance and 2026 will be about redefining value for customers with better data, tools and insights.