Our Promise

We are the Insurance Information Institute. Since 1960, the "Triple I" has had a single mission: To improve public understanding of insurance—what it does and how it works. We are here to serve everybody: consumers; students and educational institutions; insurance professionals; government and regulatory organizations; and the media. Learn More
Homeowners + Renters Insurance What is covered by standard homeowners insurance?

If you have been affected by Hurricane Michael or another disaster, this article will help explain what standard homeowners policies typically cover. (Also see infographic: What are hurricane deductibles?)

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New and Trending

Homeowners + Renters Insurance Avoiding scams after a disaster

If your home was destroyed by a hurricane, flood or other disaster, be cautious. Unfortunately, there are dishonest service providers that prey on disaster victims. Here are some basic guidelines for hiring service providers.

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Insight + Analysis

Insurance Industry 2018 - Commentary on first half financial results

From a profitability perspective, 2018 will likely turn out to be a good year—maybe the best in more than a decade, in part because it started out quite well. The first half of 2018 produced a $6.0 billion underwriting gain vs. a $4.6 billion loss in the first half of 2017.  It is too soon, however, to know how the storms of the third quarter will affect full-year underwriting results, but at the least this first-half profit will moderate any underwriting losses that emerge. 

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I.I.I. Glossary

COMMISSION- Fee paid to an agent or insurance salesperson as a percentage of the policy premium. The percentage varies widely depending on coverage, the insurer, and the marketing methods.

DEREGULATION- In insurance, reducing regulatory control over insurance rates and forms. Commercial insurance for businesses of a certain size has been deregulated in many states.

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Thought Leadership

I.I.I. News Wire

MEDIA ADVISORY: I.I.I. Experts Are Available to Discuss Hurricane Michael Recovery  

FOR IMMEDIATE RELEASE Kim Kirchner, Coburn Communication: (212) 536-9837; Kim.Kirchner@coburnww.com   New York Press Office: (212) 346-5500; media@iii.org   NEW YORK, October 11, 2018 — Reporters covering Hurricane Michael’s aftermath are encouraged to contact the Insurance Informatio… Read More

MEDIA ADVISORY: Insurance Experts Available to Discuss Hurricane Michael

FOR IMMEDIATE RELEASE New York Press Office: Michael Barry, 917-923-8245, michaelb@iii.org Florida Press Office: Lynne McChristian, 813-480-6446, lynnem@iii.org Georgia Press Office: Bill Davis, 770-331-9279, williamd@iii.org     TALLAHASSEE, FLORIDA, October 9, 2018 –Reporters covering Hu… Read More

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Events Calendar

PCI Annual Meeting
October
28
2018
Miami, FL, Website
Joint Industry Forum
January
17
2019
Marriott Marquis - New York, NY Website
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