Agency 22 Insurance Group

9.11.2021 Never Forget.

Sometimes clients think we are providing too much coverage on their home and may sometimes even go with other quotes that provide less coverage for less money. We pride ourselves on doing the work to make sure you have enough coverage to rebuild and restore your life to the way it was before a major incident. Next time you are considering going with the "cheaper" option, read this:

Los Angeles County fire victims sue AAA and USAA alleging insurance fraud A group of California homeowners filed suit Wednesday against AAa and USAA alleging that the insurers left them systematically underinsured and unable to rebuild after the Jan. 7 firestorms in Los Angeles County destroyed their homes.

Millions of Americans feel that homeowners insurane is out of reach - if you're in the same boat, reach out to us today!

Rising cost of homeowners insurance has scared away millions of Americans Roughly 7% of American homeowners have no property insurance, a recent Federal Reserve study found. That's largely because it is too expensive.

As we head into the holiday weekend, we pause to remember and honor the brave men and women who made the ultimate sacrifice for our country. Their courage and commitment will never be forgotten.

We’re grateful for the freedoms we enjoy—and for the heroes who helped secure them.

Wishing you and your loved ones a safe, peaceful, and meaningful Memorial Day weekend.

The Florida Insurance crisis may be beginning to ease.

Experts make surprising prediction as home insurance prices continue to skyrocket: 'The crisis appears to be easing' Florida's home insurance market has always been pricey, but several years of severe hurricanes pushed prices to astronomical rates.

https://www.augustachronicle.com/story/news/2025/04/29/what-dogs-are-banned-from-your-home-insurance-in-georgia/83340234007/

Your pets can have a big impact on your home insurance, make sure you're in the know!

Forbes says these 3 dog breeds will get your home insurance denied 100% of the time Georgia homeowners are facing difficulty securing home insurance due to dog breed restrictions. See which dogs are banned completely by home insurers.

https://insurify.com/homeowners-insurance/insights/tariff-projections/

Tariffs Could Raise Home Insurance Costs up to 38% Faster | Insurify Tariffs have increased construction costs, which experts say will raise home insurance premiums. See how tariffs could change insurance prices in your state.

https://www.newsweek.com/florida-california-how-two-states-facing-insurance-crisis-2055256

Florida and California are taking different approaches to their insurance crises. Read more above.

Florida vs. California: How two states are facing the insurance crisis The two states are facing similar challenges but have come to very different solutions.

https://www.ramseysolutions.com/insurance/home-insurance-rates-by-state

From 2020 to 2025, HOI costs have exploded across the country - Here are some of the key points to know as this trend continues.

Explosive Increases in Some States
Florida, California, and Nebraska also show increases of over 200%, with Florida now having one of the highest premiums at $5,390/year.

Insurance Affordability Crisis Emerging

States that were already expensive like Florida and California have seen costs more than triple.

Some states that were previously very low-cost are catching up fast, shrinking the affordability gap.

Big Picture: Systemic Pressure on Insurance

The drastic hikes likely reflect a combination of rising climate risks (hurricanes, wildfires), inflation in rebuilding costs, and insurers exiting high-risk markets.

These aren’t just rate adjustments—they’re signs of a market in crisis in certain areas.

Monthly Burden is Now a Mortgage-Sized Expense in Some States

In high-risk states, the monthly HOI cost now rivals or exceeds what many people pay for a car or a small mortgage.

Home Insurance Rates by State for 2025 Home insurance rates are rising, and many factors—like location—affect this. We’ll look at home insurance rates by state and discuss ways to lower your rate.

Sinkholes are becoming more and more common in New Jersey - make sure you're protected!

Think your NJ homeowner insurance covers sinkhole damage? Think again Will your homeowner's insurance in New Jersey cover sinkhole damages? Not likely, ask your insurance carrier.

https://www.seacoastonline.com/story/news/local/2025/02/25/maine-home-insurance-rates-defy-national-trend/79878338007/

Maine has been able to combat the national trend around rising insurance rates - how is that possible?

While home insurance rates spike elsewhere, Maine defies national trend Maine has been the least impacted by climate change-fueled insurance rate increases nationwide, report finds.