Does Homeowners Insurance Cover Your Garage? Here’s What You Need to Know

“Does homeowners insurance actually cover the garage?” The short answer? Yes—but with important caveats. Let’s walk through the details in plain language, minus the legal jargon. What Homeowners Insurance Usually Covers A standard homeowners policy is designed to protect you from life’s unexpected gut punches—fires, theft, storm damage, or accidents that make your home suddenly …

5 Home Improvements That Could Change Your Insurance For Better or Worse

Let’s break down the five most common home upgrades that might quietly reshape your insurance. 1.Building an Addition or Extra Living Space That sunroom you’ve always wanted, or the basement you just converted into a cozy family den, doesn’t just add comfort—it increases your home’s value. With more square footage comes higher replacement costs, which …

AI Underwriting: Moving Beyond the Hype

But here’s where the story gets interesting. Unlike past waves of tech enthusiasm whether it was knowledge management, IoT, or early analytics AI and automation appear to represent something different. For the first time in decades, underwriting executives see not just incremental gains, but transformational potential. Why This Moment Feels Different Having watched underwriting for …

Why Your Auto Insurance Costs More Than Your Friend’s — Even If You Drive the Same Car

You’re not imagining things. Auto insurance isn’t priced like a sweater that costs the same for everyone at checkout. It’s far more personal. In fact, insurers are less interested in your car itself than in you—your habits, your history, even your zip code. That might feel unfair, but it’s the backbone of how risk (and …

A New Era of Insurance Risk: Why the Old Method Is No Longer Effective

Today? The bakery has changed into something much more intricate. These days, it takes more than simply bread, sugar, and a cozy shop. It’s: Point-of-sale platforms connected to outside suppliers A website that sells both domestically and abroad Payroll and accounting systems hosted on the cloud Worldwide vendors for branded merchandise, personalized boxes, and ingredients …

Three Strategies to Get the Insurance Industry Ready for the Era of Generative AI

For insurers, the key to success won’t just be adopting AI—it will be building a workforce that feels confident, capable, and inspired to use it. Companies that invest in people-first strategies for upskilling and attracting talent will not only keep pace but leap ahead. Here are three powerful ways insurers can prepare their workforce for …

Four Ways Insurers Can Build True Resilience in a Shifting Trade Landscape

Tighter margins, more claims expenses, and more wary clients are the obvious effects. The good news is that disruption does not automatically equate to catastrophe. It may even serve as the impetus for innovation. The insurers who emerge stronger are those who transform uncertainty into opportunity rather than those who adhere to outdated tactics. How, …