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Former WKU Lady Toppers star Crystal Kelly becomes Assistant Coach at Kentucky Skip to contentNewsLivestreamsWeather24/7 WeatherSportsLatest VideosBack to SchoolSt. JudeSpanishAppsHomeElection ResultsInteractive ResultsNewsTrafficStateRegionalNationalInvestigationInternationalAM and MiddayHealthEducationCrime StoppersCrimeLivestreamsWeather24/7 WeatherRadarWeather CamsWeather App TutorialWeather SafetyWhat is a First Alert Weather DayWeather HeadlinesClosings & DelaysSportsSports ConnectionLong GameCourtsideFootball Friday NightsSports VideoNational SportsTalkin' TopsLatest VideosBack to SchoolSt. JudeTelemundo Bowling GreenWBKO NewsletterContact UsMeet the News TeamFollow UsSubmit Photo or VideoJobs with Gray TelevisionJobs with WBKOProgramming ScheduleJob WatchContestsSponsored PagesGood NewsHometown HeroJA People of ActionSOKY Happenings CalendarAppsZeam - News StreamsGray DC BureauInvestigateTVWatching Your WalletDigital MarketingPowerNationCircle CountryFormer WKU Lady Toppers star Crystal Kelly becomes Assistant Coach at KentuckyFormer WKU Lady Topper Crystal Kelly joins UK Women's Basketball coaching staffBy Kaden Gaylord-DayPublished: Jun. 30, 2023 at 5:34 PM CDTEmail This LinkShare on FacebookShare on X (formerly Twitter)Share on PinterestShare on LinkedInLexington, Ky. (WBKO) - Former WKU Lady Toppers star Crystal Kelly has been brought on the University of Kentucky Women’s Basketball staff as its new Assistant Coach, announced by Head Coach Kyra Elzy on Friday.“It is with great anticipation that we announce the hiring of Crystal Kelly,” Elzy said. “She is the total package. She takes great pride in being a product of Kentucky, and she understands the responsibility that it holds. Crystal was a talented in-state basketball player, which will benefit our program in numerous ways, but she also has had proven success in her coaching career. I have a lot of confidence in Crystal, and her contagious energy, competitive spirit and winning pedigree checks all the boxes for our program.”Kelly heads to Lexington after serving two seasons as the Associate Head Coach at Towson (2021-23). There, she helped Towson to back-to-back seasons of 20+ wins and two straight Women’s National Invitation Tournament appearances.“Returning to my home state to coach at the University of Kentucky is such a privilege and honor,” Kelly said. “Coaching alongside Coach Elzy, who has mentored me for many years, is truly a full circle moment. As I step into this new role, I’m eager to build relationships with the student-athletes, collaborate with the staff and immerse myself in the unwavering passion of Big Blue Nation.”Kelly is a native of Louisville, Kentucky, and played for Sacred Heart Academy, helping the girls basketball team to three straight Kentucky High School Athletic Association state championships (2002, 2003, 2004). While in high school, she was named the 2004 Miss Kentucky Basketball, 2004 Associated Press Player of the Year and the 2003 and 2004 Kentucky Gatorade Player of the Year. She was also named an All-America by several outlets, among receiving other honors.Elzy has known about Kelly for more than 20 years, leading the effort to sign Kelly to the WKU Women’s Basketball class of 2004. Kelly went on to have a standout career at WKU (2004-08), so much so that the Hilltoppers retired her jersey (No. 42) in 2008. Kelly rewrote the record book during her college career, finishing with a school-record 2,803 points and 1,258 rebounds. Her scoring total also stood as a Sun Belt Conference record and made her the 12th leading scorer in NCAA Division I history at the time.She still owns the school record in more than a dozen categories.During her senior season, she was named an All-American by the Associated Press, CBSSportsOnline.com and State Farm Coaches. She also earned Sun Belt Conference Player of the Year accolades that season, after averaging 22.6 points, 10.5 rebounds and leading the nation with a school-record .644 field-goal percentage. Moreover, Kelly scored a school-record 42 points in her final home game against Louisiana-Monroe, which was the same day her jersey was retired into the rafters at E.A. Diddle Arena.Following her successful college career, Kelly was drafted in the third round, as the 31st overall pick, to the Houston Comets in the 2008 WNBA Draft. She played in the league for three seasons, in addition to playing professionally in Spain, Italy and Brazil.Kelly has an extensive coaching career, which includes a couple of stops close to home.Kelly spent four seasons as an assistant coach at Bellarmine (2012-16). Everything came together in her final season in 2015-16, when the Knights went 24-4, captured their first-ever Great Lakes Valley Conference Tournament title and earned their first NCAA II Tournament berth since 2007-08. Bellarmine’s winning percentage (.857) also tied a program record that season.She then spent one season as an assistant coach at Tennessee Tech (2016-17), before spending two seasons as an assistant coach at Xavier (2017-19). While in Cincinnati, Kelly led the post players, a group that included A’riana Gray, who earned All-Big East Honorable Mention status in 2018-19. Gray led the Musketeers with 13.9 points per game and led the conference with 11.5 rebounds per game. She was the only Big East player to average a double-double on the season.Following that stretch, she returned to Tennessee Tech for an additional season (2019-20) and then to Bellarmine for an extra season (2020-21).At Kentucky, Kelly will work primarily with the post players and she will oversee recruiting.Copyright 2023 WBKO. 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Myrtle Beach Downtown Alliance proposes changes to Broadway | News | myhorrynews.com Skip to main content You have permission to edit this article. Edit Close Facebook Twitter LinkedIn YouTube Instagram Site search Search Sign Up Log In Dashboard Logout My Account Dashboard Profile Saved items Logout AdvertiseSubscribe Home News Business Crime Education Politics Entertainment Announcements Submit a Story Local News Aynor Carolina Forest Conway Horry County Little River Loris Myrtle Beach North Myrtle Beach Surfside Beach Atlantic Beach Visit Contests HTC - Community Hero of the Month Window World - Teacher of the Month Obituaries Opinion Columnists Editorials Editorial Cartoons Letters To The Editor Sports Active Outdoors College Golf Tennis High School Sports Baseball Basketball Cheerleading Cross Country Football Golf Lacrosse Soccer Softball Swimming Tennis Track and Field Volleyball Wrestling Multimedia Gallery News Gallery Sports Gallery Videos Events Calendar Promote Your Event Classifieds Place Your Ad Community Personals Real Estate Yard Sales Services Pets Items for Sale Jobs Vehicles Property for Rent Coupons Business Directory Print Editions Carolina Forest Chronicle The Horry Independent Loris Scene Myrtle Beach Herald North Strand News Visit! Horry County Health & Wellness Horry County Business Journal Horry News & Shopper Special Sections Customer Service Contact Us About Us Advertise Submission Forms Newsstands Newsletter Sign-up Subscribe Activate Print Subscription Manage Your Subscription Facebook Twitter LinkedIn YouTube Instagram Log InDashboard Sign Up Log In Dashboard Logout My Account Dashboard Profile Saved items Logout SubscribeAdvertise Site search Search MyHorryNews Home News Sports Business Obituaries Opinion Calendar Promote Your Event Classifieds Contests Visit Myrtle Beach Downtown Alliance proposes changes to make Broadway Street more uniform, revitalized Share this Facebook Twitter WhatsApp SMS Email Print Copy article link Save Latest e-Editions Click on the image Thursday, August 8, 2024 Print Edition Special Publications Click on the image HTC Community Hero of the Month August'24 My Horry News has an immediate opening for a sales representative - Apply Now July 2023 HTC Community Hero of the Month Sign up for our newsletters or manage your list HTC Community Hero of the Month August'24 Close Myrtle Beach Downtown Alliance proposes changes to make Broadway Street more uniform, revitalized By Janet Morgan janet.morgan@myhorrynews.com Jun 30, 2023 Jun 30, 2023 0 Facebook Twitter WhatsApp SMS Email Facebook Twitter WhatsApp SMS Email Print Copy article link Save There may be changes on Broadway Street in Myrtle Beach, some at different angles, but changes nonetheless.Jason Greene of the Myrtle Beach Downtown Alliance hopes the public will see changes on the historic street by the end of the summer.“Before the first building is built. Before the first building is refurbished,” he said of plans to place banners on uniform light poles by trash cans that match nearby benches. “When we start to see these kinds of streetscape improvements on Broadway Street, and maybe in other places as well, these little incremental things, small quick wins, that will showcase to the community at large that we are making progress and moving forward.” Jason Greene (left) of the Myrtle Beach Downtown Alliance talks with people reviewing the proposals to revitalize Broadway Street. Photo by Janet Morgan / janet.morgan@myhorrynews.com Janet Morgan Moving forward and reverse in a sense.One of the proposed improvements is to reverse the parking on the street that’s within eyesight of the Arts and Innovation District. Currently the parking is head-in diagonal parking but, after strategic meetings with board members and business leaders, a proposal to change the parking to reverse angle parking is being planned. Broadway Street currently has head-in diagonal parking as seen on Thursday, June 29, 2023. Photo by Janet Morgan / janet.morgan@myhorrynews.com Janet Morgan Greene and about 50 others gathered on 8th Avenue North on Thursday to get a first-hand look at reverse angle parking and let a few demonstrate how it works. The one-block section of 8th Avenue North was chosen for the demonstration because that section of the street is not heavily traveled, said Jessica Wise of SGA/NW, a design and architectural firm. The parallel parking on 8th is not part of the plan to reverse the parking angle, rather it was used just for demonstration purposes.The firm and some from the downtown alliance group had marked off the reverse angle parking spaces with white tape along with a mock-up of a bicycle lane between the parking spaces and the traffic lane. Jason Greene of the Myrtle Beach Downtown Alliance talks with people reviewing the proposals to revitalize Broadway Street. Photo by Janet Morgan / janet.morgan@myhorrynews.com Janet Morgan There was a how-to sign posted by the reverse angle spots showing how it’s done in three steps – drivers are instructed to put on their right turn signal, pull forward and reverse into the parking spot in a reverse diagonal direction. Wise said such parking is used in Charlotte, North Carolina, and Hoboken, New Jersey. People practice reverse angle parking on 8th Avenue North in Myrtle Beach on Thursday, June 29, 2023. The Myrtle Beach Downtown Alliance is proposing to have back-up diagonal parking Broadway Street to help with safety concerns and make it easier for shoppers to load their vehicles. The reverse angle parking project would incorporate placing a bicycle lane in between the parking spaces and traffic lane. Photo by Janet Morgan / janet.morgan@myhorrynews.com Janet Morgan “This is the most extreme idea we’ve come up with. It’s in other cities and it works. It’s about safety,” she said pointing out that a person pulling out of a parking space would have a clear view of an approaching bicyclist and it’s easier to load a vehicle with shopping bags when backed into a reverse parking spot. “It’s so much more safer than what we have. Safer for the drivers, bicyclists and it’s easier for shoppers. But it won’t be the first thing we do. It’s down the list.” People practice reverse angle parking on 8th Avenue North in Myrtle Beach on Thursday, June 29, 2023. The Myrtle Beach Downtown Alliance is proposing to have back-up diagonal parking Broadway Street to help with safety concerns and make it easier for shoppers to load their vehicles. The reverse angle parking project would incorporate placing a bicycle lane in between the parking spaces and traffic lane. Photo by Janet Morgan / janet.morgan@myhorrynews.com Janet Morgan Greene said he expects the banners on light poles to be one of the first things the public will see. He said the banners give the street an identity and a sense of place to visitors.Banners for special events are commonly seen on light poles on Ocean Boulevard, especially near the Franklin G. Burroughs-Simeon B. Chapin Art Museum on the southern end of the city limits.Other proposed changes include uniform lighting and painted crosswalks.The crosswalk markings on the street are currently faded.Tonya Gore of the downtown alliance said they will be putting the word out to local artists to submit proposals for the crosswalks. By painting the crosswalks with original, local art, she said, the community is invested in the street revitalization and the crosswalks cause a traffic calming effect. The approved art will be placed with stencils using thermal plastic. The plastic molded art will be about 1/4-inch thick to prevent it from fading and being damaged. Broadway Street currently has head-in diagonal parking as seen on Thursday, June 29, 2023. Photo by Janet Morgan / janet.morgan@myhorrynews.com Janet Morgan “We’re trying to illustrate what the future of downtown is going to look like,” Greene said. “I think that’s really important to the community, at large, to let them know we’re making progress. I believe it’s going to be in these small projects like this, relatively small projects, like this that make a difference.” Another difference the alliance is proposing, which reflects the city’s downtown master plan passed in 2019, is creating a walking path with sidewalks to connect Broadway Street to the Myrtle Beach Boardwalk through Withers Swash and up to Collins Street and 3rd Avenue North. The sidewalk would bridge the gap where the sidewalk runs out and connect the city’s newest dog parks at New Town Park to Broadway Street.Vicki Levy listened and nodded at each presentation.“My office sits on the corner of 4th Avenue and Broadway,” she said of State Farm Insurance and her support of the reverse angle parking that would make it safer for drivers and bicyclists. “So many people come on their bikes on the sidewalk. They go down the ramp and they have to take the little swish to get back onto the sidewalk. I can’t tell you how many times I thought someone was coming through the glass widow in my office because that’s kind of a dog-leg kind of a turn.”And the uniform lighting, matching benches and trash cans, painted crosswalks and a walking path from the boardwalk? “We aren’t going anywhere,” she smiled. “We’re going to stay for all the good changes. We’ve stayed for all the down slide and we’re staying for the climb back up again. It’s coming. We’re getting there.” Greene said the next steps to get many of the changes accomplished include getting approval from the city council and coordinating with Santee Cooper for light poles.The Myrtle Beach Downtown Alliance’s mission is to manage and revitalize the downtown. It is governed by a board of directors made from representatives of city government as well as business leaders. The quasi-government alliance is funded with public and private money. Janet Morgan is the editor of the Myrtle Beach Herald. Contact her at 843-488-7258 or at janet.morgan@myhorrynews.com. Love 1 Funny 0 Wow 0 Sad 0 Angry 1 Facebook Twitter WhatsApp SMS Email Print Copy article link Save More information Myrtle Beach, North Myrtle Beach officials share visions and goals for 2024 New faces on the dais, downtown development, potential state park designation and improvements to recreation areas are on the list of some changes planned in Myrtle Beach and North Myrtle Beach this year. Tags Changes To Make Broadway Street Uniform Revitalized Broadway Street Myrtle Beach Downtown Alliance Jason Greene Jessica Wise Sga/nw Design And Architectural Firm Tonya Gore Charlotte North Carolina Hoboken New Jersey Vicki Levy State Farm Insurance Historic Street Neighborhood Collins Street Withers Swash Dog Park New Town Park Locations Myrtle Beach × Post a comment as Guest Emoticons [smile] [beam] [wink] [sad] [cool] [innocent] [rolleyes] [whistling] [lol] [huh] [tongue] [love] [sleeping] [yawn] [unsure] [angry] [blink] [crying] [ohmy] [scared] [sleep] [sneaky] [tongue_smile] [thumbdown] [thumbup] [censored] [happybirthday] [ban] [spam] [offtopic] [batman] [ninja] [pirate] [alien] Comment Text Cancel Post comment × Report Cancel Report Abuse × Watch this discussion. Stop watching this discussion. Watch this discussion Get an email notification whenever someone contributes to the discussion Notifications from this discussion will be disabled. 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Fire hardening hasn’t helped insurance rates Menu Log In Subscribe Shop Home News Front Page Neighbors Opinion Sports On The Town Calendar Community Business Real Estate E-Edition Special Sections Photos Crime Acorn Videos Podcasts About Classifieds Advertising Place Private Party and Rental Ads Here Advertising Information Legal Ads Pricing Public Notices Other Publications The Acorn Thousand Oaks Acorn Moorpark Acorn Simi Valley Acorn Beyond The Acorn Contact Us Pick Us Up Privacy Policy Log In Account Home Other Publications The Acorn Thousand Oaks Moorpark Acorn Simi Valley Acorn Beyond Letter to the Editor Subscribe Shop Search for: Search Search for: Thursday, August 8, 2024 News Front Page Neighbors Opinion Editorials Columns Letters Sports On The Town Crime Community Health and Wellness Schools Family Faith Pets Obituaries Business Real Estate Photos Classifieds Online Ads About Advertising Advertising Information Place Private Party and Rental Ads Here Legal Ads Pricing Public Notices Acorn Videos E-Edition Contact Us Pick Us Up Privacy Policy Podcasts Awards Fire hardening hasn’t helped insurance rates By wpeditor on July 01, 2023 By Victoria Talbotvtalbot@theacorn.com On May 30, California Department of Insurance Commissioner Ricardo Lara issued a consumer alert on State Farm’s decision to “temporarily pause” new policies in California. That was before Allstate quietly ceased issuing new policies and only announced in June that it was ending property and casualty insurance in a state that has seen its share of disasters in recent years. “While the California Department of Insurance cannot legally control a company’s business decision, we can help Californians navigate their options,” Lara said. Those options include 115 insurers still writing new policies in California, plus there is the California FAIR Plan Association, which was established to meet the needs of California homeowners unable to find insurance in the traditional marketplace and which will cover up to $3 million (in the fourth quarter of this year, which will jump to $20 million, according to Michael Soller, deputy insurance commissioner for the Department of Insurance). Even so, consumers, especially HOAs, find themselves struggling to find suitable, affordable habitational insurance when their previous insurers like CHUBB, Liberty Mutual and AIG inform them of non-renewals. Now, HOA management is forced to find excess or surplus carriers and cobble together coverage, and instead of having a $50,000 policy that covers $5 million, they get a $500,000 policy that covers a fraction of the value. Government program The California Department of Insurance is the agency charged with overseeing insurance regulations, enforcing statutes mandating consumer protections, educating consumers and fostering the stability of insurance markets in the state. Safer from Wildfires is one way Lara claims to be making progress for the insured. This regulation requires insurance companies “to offer discounts and disclose their property’s ‘wildfire risk score,’” said Soller. “Insurance companies that utilize these risk scores were required to submit their discount plans in April, and these are currently under review by our department’s rate regulation experts.” The DOI has a list of 18 carriers on its website, including the FAIR plan, currently offering discounts, most for Firewise Communities, which requires buy-in from a group of neighbors. The Firewise USA recognition program is administered by the National Fire Protection Association and provides a collaborative framework to help neighbors in a geographic area get organized, find direction, and take action to increase the ignition resistance of their homes and community and reduce wildfire risks at the local level. Soller said, “under the new regulation, insurance companies must provide your property’s risk score whenever you apply for a policy, before a renewal or non-renewal and anytime you have completed a mitigation on your property.” Companies are also required to provide a detailed explanation that includes how to lower that score and how much that would save, he said. The Ventura County Fire Department will offer a Firewise USA workshop for HOAs to attend in August, said Max Young, head of Wildfire Safety for the Ventura Regional Fire Safe Council. Instead of admitting the state got caught with their pants down and they don’t have an answer, they’re promising all of this.” One Thousand Oaks HOA, Los Robles Estates, has become a Firewise Community, though it is unclear if they have been able to achieve discounts. “They were spurred to action last year when their insurance was raised quite high, and in about a year’s time, and with lots of work we are close to the finish line,” said Young. “With the insurance commissioners’ new April 12 regulation taking effect, we are very hopeful the work they’ve done will help the insurance become affordable again for their residents,” he said. So far, those discounts have proven to be elusive. Jurisdiction Only admitted carriers, who are required to contribute to the FAIR plan, are under the California Department of Insurance and Lara’s jurisdiction. Carriers that are not admitted, called excess and surplus carriers or E&S insurers, are not subject to the same regulation. They are designed for businesses with a uniquely high risk, which now includes condominium developments in California. The biggest differences between standard insurance and E&S policies are the amount of regulation, the flexibility in writing policies and the state’s involvement in guaranteeing coverage. It is these carriers that are increasingly insuring HOAs. “They don’t have to file with the DOI,” said Brian Linehan of LaBarre/Oksnee Insurance, whose specialty is HOA wildfire coverage. “The DOI is providing a lot of promises. Lara has no power for non-admitted carriers. That means its ‘take it or leave it.’ It’s as simple as that. You can’t even get a quote from a preferred carrier and that’s just the truth.” LaBarre/Oksnee is one of the largest retail insurance agencies specializing in Homeowners Associations in the nation. It is an independent agency that is not beholden to any single carrier. Gabe Albarian, Jr., president of the Westlake Pointe HOA and founder of the HOA President’s Council—which has members from both Ventura and Los Angeles counties—agrees. “There is no clear direction on what insurance companies are requiring. The California Insurance Commissioner’s Office has sent out flyers and notices to this effect; however, I cannot attest to their accuracy because we are not a Firewise Community, which is the requirement for most insurers providing discounts,” said Albarian. Ryan Gessell is the president of the Channel Islands Chapter of the Community Associations Institute. For 20 years, he has represented HOAs exclusively. “These regulations have no teeth,” said Gessell, adding that although the DOI may be able to force carriers to apply credits for fire hardening, they can’t force those carriers to offer the coverage in the first place. “If carriers simply refuse to quote any risks with any kind of brush exposure, then those regulations don’t help those communities that need it the most—and that’s what we’re seeing,” Gessell said. Moving target “All of the preferred insurance carriers (CA Admitted) continue to decline quoting risks with brush exposure that exceeds their comfortability, and that level of comfortability seems to be a moving target.” That target is moving, for the most part, in the opposite direction of community associations, he said. “This is a bunch of hollow promises,” said Linehan. “If I was a consumer, I’d think this was good. It looks like there is a light at the end of the tunnel, but the carriers have drawn a line in the sand.” “When all is said and done,” he said, “the DOI and carriers are putting homeowners in a position with no solution. “There’s a lot of confusion out there,” he said. “The state’s bureaucrats are doing a disservice. Instead of admitting the state got caught with their pants down and they don’t have an answer, they’re promising all of this.” Search for: Read The Digital Issue View Latest Edition Subscribe Now Most Read Articles1Saddle up for Texas Roadhouse2Four Seabees sentenced in Camarillo murder3Local historian unearths lima bean lore Our Hometown DMCA NoticesNewspaper website content management software and services Copyright © 2023-2024 Times Media Group., All Rights Reserved. | Privacy Policy

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And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners.The Average Home Insurance Cost in the U.S. for 2024The average cost of homeowners insurance in the U.S. is about $1,915 a year for $300,000 worth of dwelling coverage, but rates vary by state.Updated Jun 3, 2024Written by Sarah SchlichterLead WriterSarah SchlichterLead Writer | Home insurance, renters insurance, pet insuranceSarah Schlichter is a NerdWallet authority on homeowners, renters and pet insurance. Prior to joining NerdWallet, she spent more than 15 years in digital media as a writer, editor and spokesperson. Sarah enjoys delving into complicated topics and helping readers understand the ins and outs of their insurance coverage. She lives in the Washington, D.C., metro area. Learn More+ more Reviewed by Brenda J. CudeProfessor Emeritus, University of GeorgiaBrenda J. CudeProfessor Emeritus, University of GeorgiaBrenda J. Cude is Professor Emeritus in the Department of Financial Planning, Housing and Consumer Economics at the University of Georgia. Dr. Cude has served in various consumer-focused roles for the National Association of Insurance Commissioners since 1994. She has also been a member of the Advisory Council for the Center for Insurance Policy and Research; a Board Member of the Coalition Against Insurance Fraud; a member of the Federal Advisory Committee on Insurance; and a Board Member for the Insurance Marketplace Standards Association. Dr. Cude’s primary research interest is consumer decision-making, with an emphasis in personal financial literacy.Learn MoreAt NerdWallet, our content goes through a rigorous editorial review process. We have such confidence in our accurate and useful content that we let outside experts inspect our work.+ more Edited by Caitlin ConstantineAssigning Editor  Caitlin ConstantineAssigning Editor | Home insurance, renters insurance, pet insuranceCaitlin Constantine is an assigning editor at NerdWallet, focusing on homeowners, renters and pet insurance. She has more than 15 years of experience in digital media, including as the deputy managing editor at The Penny Hoarder and as a digital producer for a 24/7 news station based in the Tampa Bay area. Caitlin enjoys exploring the ways technology can help people become better informed about the world. She currently lives outside Asheville, North Carolina. Learn MoreFact Checked+ more Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.Follow the writerYou’re following Sarah SchlichterVisit your My NerdWallet Settings page to see all the writers you're following.Table of ContentsHow much is home insurance in your state?How much is homeowners insurance in your city?Average homeowners insurance cost by companyAverage home insurance cost by dwelling coverage amountAverage homeowners insurance cost by claims historyAverage homeowners insurance cost by home ageWhat does a home insurance rate include?How to reduce the cost of homeowners insuranceFind the best homeowners insurance in your stateShow More MORE LIKE THISInsuranceHomeowners InsuranceTable of ContentsHow much is home insurance in your state?How much is homeowners insurance in your city?Average homeowners insurance cost by companyAverage home insurance cost by dwelling coverage amountAverage homeowners insurance cost by claims historyAverage homeowners insurance cost by home ageWhat does a home insurance rate include?How to reduce the cost of homeowners insuranceFind the best homeowners insurance in your stateMORE LIKE THISInsuranceHomeowners InsuranceHomeowners insurance costs an average of $1,915 a year, or about $160 a month, according to NerdWallet’s analysis. However, this is just a benchmark.Our sample policy was for a 40-year-old homeowner with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible. The cost of your homeowners insurance will depend on your location, the size of your house and how much coverage you need.We’ve analyzed pricing data from more than 100 insurance companies to bring you the average homeowners insurance cost in every state and the largest U.S. cities.Why you can trust NerdWalletOur writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate inaccuracies in pricing data and may update rates for accuracy as new information becomes available.We include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing. Read our methodology.Get home insurance quotes in minutesAnswer a few questions to see custom quotes and find the right policy for you.Get StartedHow much is home insurance in your state?Where you live is a big factor in how much you’ll pay for homeowners insurance. Hover over your state on the map below to see the average home insurance cost.Average homeowners insurance rates vary widely. Our analysis found that the average home insurance cost is less than $1,000 in Hawaii, Delaware and Vermont. Meanwhile, states such as Oklahoma, Nebraska and Texas have average annual rates above $4,000.Here are annual and monthly average home insurance costs by state.StateAverage annual costAverage monthly costNational average$1,915$160Alabama$3,140 $262Alaska$1,160 $97Arizona$2,135 $178Arkansas$3,355 $280California$1,250 $104Colorado$3,820 $318Connecticut$1,575 $131Delaware$860$72Florida$2,625 $219Georgia$2,345 $195Hawaii$515$43Idaho$1,510 $126Illinois$2,060 $172Indiana$1,975 $165Iowa$2,215 $185Kansas$3,570 $298Kentucky$2,190 $183Louisiana$2,240 $187Maine$1,075 $90Maryland$1,700 $142Massachusetts$1,545 $129Michigan$1,785 $149Minnesota$2,375 $198Mississippi$3,475 $290Missouri$2,905 $242Montana$2,605 $217Nebraska$4,135 $345Nevada$1,290 $108New Hampshire$1,000 $83New Jersey$1,150 $96New Mexico$1,595 $133New York$1,715 $143North Carolina$1,975 $165North Dakota$2,445 $204Ohio$1,390 $116Oklahoma$5,495 $458Oregon$1,255 $105Pennsylvania$1,410 $118Rhode Island$2,070 $173South Carolina$2,250 $188South Dakota$2,810 $234Tennessee$2,435 $203Texas$4,400 $367Utah$1,140 $95Vermont$870$73Virginia$1,445 $120Washington$1,225 $102Washington, D.C.$1,190 $99West Virginia$1,600 $133Wisconsin$1,300 $108Wyoming$1,555 $130Here are the cheapest states for homeowners insurance:Hawaii: $515 a year, or about $43 a month, on average.Delaware: $860 a year, or about $72 a month, on average.Vermont: $870 a year, or about $73 a month, on average.New Hampshire: $1,000 a year, or about $83 a month, on average.Maine: $1,075 a year, or about $90 a month, on average.These are the most expensive states for homeowners insurance:Oklahoma: $5,495 a year, or about $458 a month, on average.Texas: $4,400 a year, or about $367 a month, on average.Nebraska: $4,135 a year, or about $345 a month, on average.Colorado: $3,820 a year, or about $318 a month, on average.Kansas: $3,570 a year, or about $298 a month, on average.» MORE: The cheapest homeowners insuranceNews update: Homeowners insurance rates are rising especially quickly in certain parts of the country where disasters like tornadoes, hurricanes and wildfires are growing more common. Last year, a record-breaking 28 disasters caused at least $1 billion each in damages, according to the National Oceanic and Atmospheric Administration[0]National Oceanic and Atmospheric Administration. U.S. struck with historic number of billion-dollar disasters in 2023.View all sources. See how to protect your home from climate change.How much is homeowners insurance in your city?We analyzed prices in 20 of the largest metropolitan areas in the U.S. to find the average homeowners insurance cost in each city. Houston had the most expensive average rate at $6,610 a year. Meanwhile, San Jose, California, was the cheapest city on the list, with an average annual rate of $1,055.CityAverage annual costAverage monthly costAtlanta$2,470 $206Austin$2,840 $237Chicago$2,665 $222Dallas$5,045 $420Denver$4,235 $353Fort Worth, Texas$5,335 $445Houston$6,610 $551Indianapolis$2,060 $172Las Vegas$1,360 $113Los Angeles$1,485 $124Miami$5,315 $443Minneapolis$2,515 $210New York$2,495 $208Orlando$2,760 $230Philadelphia$1,910 $159Phoenix$2,560 $213San Antonio$3,590 $299San Diego$1,205 $100San Jose, California$1,055 $88Seattle$1,185 $99Average homeowners insurance cost by companyWe looked at average rates from some of the largest homeowners insurance companies in the U.S. by market share.State Farm came in as the cheapest widely available company on the list, with an average annual rate of $1,935. (Military insurer USAA had even less expensive policies at $1,875 per year, on average.) Meanwhile, Farmers was the most expensive, with an average annual rate of $2,415.Here are average annual home insurance rates for some of the largest companies. Note that some may not offer homeowners insurance in your state. Click on each company’s name to read our review.CompanyAverage annual costAverage monthly costState Farm$1,935 $161Travelers$2,010 $168Allstate$2,205 $184Nationwide$2,270 $189American Family$2,300 $192Farmers$2,415 $201USAA*$1,875 $156*USAA homeowners insurance is available only to active-duty military, veterans and their families.» MORE: The best homeowners insuranceAverage home insurance cost by dwelling coverage amountOne of the biggest factors in how much your homeowners policy costs is how much dwelling coverage you need. Dwelling coverage is the part of your policy that pays to rebuild the structure of your home if it’s damaged or destroyed.If your house is large or has high-end features, it’ll cost more to rebuild and you’ll need more dwelling coverage. Below are average home insurance costs for four amounts of coverage.Dwelling coverage amountAverage annual insurance cost$200,000$1,420$300,000$1,915$400,000$2,405$500,000$2,935Average homeowners insurance cost by claims historyIf you have previous homeowners insurance claims, you’ll likely pay a higher rate. Here’s how filing a claim could affect your homeowners insurance costs.Number of claimsAverage annual insurance cost0$1,9151$2,090Average homeowners insurance cost by home ageOlder homes often cost more to insure than new ones because they typically don’t have the safety features that newer homes do, and repairs can be costly. See below to compare the average annual cost of insuring a new home versus an older home. (Coverage limits were the same for all three houses.)Date home was builtAverage annual insurance cost1955$1,9101984$1,9152023$1,130What does a home insurance rate include?Homeowners insurance policies typically include six standard types of coverage.Dwelling coverage pays for damage to your home from a covered event, such as a fire or windstorm.Other structures coverage pays to repair or replace structures on your property that aren't attached to your house, such as a fence or shed.Personal property coverage pays for stolen or damaged belongings.Loss of use, or additional living expenses coverage, pays for you to stay elsewhere when your home is uninhabitable due to covered damage.Personal liability coverage pays if you accidentally injure someone or damage their property.Medical payments coverage pays medical bills for anyone injured on your property, no matter who's at fault.» MORE: What does homeowners insurance cover?How to reduce the cost of homeowners insuranceInsurers use a variety of factors to set homeowners insurance rates. For example, you might pay more if you live in a neighborhood with a high crime rate or an area prone to hurricanes. You’ll also have higher rates if you have a larger home that needs more coverage.Did you know...Inflation doesn't just affect gas and food prices. Homeowners insurance rates are also going up because it's gotten more expensive to repair and rebuild houses after they're damaged. That's why you may see a higher homeowners premium at your next renewal, even if you haven't filed any recent claims.Some insurers will charge more for things like installing a swimming pool or having a dog breed they consider aggressive. (They see these scenarios as potential liability claims if someone gets hurt.)Aside from selling your house or getting rid of your furry pal, there are many ways to reduce what you pay for homeowners insurance.Shop aroundGetting home insurance quotes annually is the best way to ensure you’re still getting the best possible deal. We recommend comparing rates from at least three companies. Make sure the coverage limits and deductibles are similar on all three policies to get a fair comparison.If you're not up for shopping around yourself, contact an independent agent or broker to get quotes on your behalf.Raise your deductibleA higher home insurance deductible will mean a lower rate. Raising your deductible from $1,000 to $2,500 can save you more than 12% a year on average, according to NerdWallet’s rate analysis. Make sure you have enough cash tucked away to pay it if you need to file a claim.Ask about discountsMany insurers offer discounts to help customers get lower homeowners insurance rates, such as:Multiple policies. If you bundle your homeowners insurance with another policy, such as car insurance, you could get a discount. See the best home and auto bundles.Safety and security devices. You could save money by equipping your home with fire alarms, deadbolts, security cameras and other protective devices. Some companies also offer discounts for certain smart-home devices.Claims-free. Many insurers offer a discount to homeowners who haven’t filed a claim recently, typically in the past three to five years.» MORE: How to shop for homeowners insuranceUpgrade your homeCertain renovations — such as updating an electrical or plumbing system — could lower homeowners insurance costs. Getting a new roof could also net you a discount, especially if it’s resistant to wind and/or hail.Build your creditIn most states, insurers can use your credit-based insurance score (similar to your FICO score) to set rates. Because some studies have shown a correlation between poor credit and filing claims, those with a checkered credit history may pay more for homeowners insurance.For example, the sample homeowner in our rate analysis has good credit and would pay $1,915 a year for insurance, on average. For the same house and coverage limits, a homeowner with poor credit would pay $3,320, on average — a 73% jump. Though it may take time, building your credit could save you a lot on homeowners insurance over the long run.Using credit to set homeowners, renters, condo and mobile home insurance prices is not allowed in California, Maryland and Massachusetts.» MORE: How your credit score affects homeowners insuranceGet home insurance quotes in minutesAnswer a few questions to see custom quotes and find the right policy for you.Get StartedFind the best homeowners insurance in your stateAlabama home insuranceAlaska home insuranceArizona home insuranceArkansas home insuranceCalifornia home insuranceColorado home insuranceConnecticut home insuranceDelaware home insuranceFlorida home insuranceGeorgia home insuranceHawaii home insuranceIdaho home insuranceIllinois home insuranceIndiana home insuranceIowa home insuranceKansas home insuranceKentucky home insuranceLouisiana home insuranceMaine home insuranceMaryland home insuranceMassachusetts home insuranceMichigan home insuranceMinnesota home insuranceMississippi home insuranceMissouri home insuranceMontana home insuranceNebraska home insuranceNevada home insuranceNew Hampshire home insuranceNew Jersey home insuranceNew Mexico home insuranceNew York home insuranceNorth Carolina home insuranceNorth Dakota home insuranceOhio home insuranceOklahoma home insuranceOregon home insurancePennsylvania home insuranceRhode Island home insuranceSouth Carolina home insuranceSouth Dakota home insuranceTennessee home insuranceTexas home insuranceUtah home insuranceVermont home insuranceVirginia home insuranceWashington home insuranceWashington, D.C. home insuranceWest Virginia home insuranceWisconsin home insuranceWyoming home insurance» MORE: The average cost of condo insuranceFrequently asked questionsWhy is home insurance so expensive?Your homeowners insurance might cost more than expected if your home is older, your region is at high risk for natural disasters or you have poor credit, among other factors. Insurers are also raising rates because climate change is making certain types of disasters more severe. But every insurance company prices policies a little differently. So if you’re unhappy with your rate, get quotes from at least three other companies to see whether you can find a better deal.How can I save money on homeowners insurance?Most carriers offer discounts if you buy more than one policy or if you safeguard your home with a burglar alarm or sprinkler system. Opting for a higher deductible can also save you money, as long as it’s an amount you could cover in a disaster.Is home insurance cheaper if you pay yearly?Some companies offer discounts if you pay your premium in full upfront rather than in monthly installments.Why is home insurance so expensive?Your homeowners insurance might cost more than expected if your home is older, your region is at high risk for natural disasters or you have poor credit, among other factors. Insurers are also raising rates because climate change is making certain types of disasters more severe. But every insurance company prices policies a little differently. So if you’re unhappy with your rate, get quotes from at least three other companies to see whether you can find a better deal.How can I save money on homeowners insurance?Most carriers offer discounts if you buy more than one policy or if you safeguard your home with a burglar alarm or sprinkler system. Opting for a higher deductible can also save you money, as long as it’s an amount you could cover in a disaster.Is home insurance cheaper if you pay yearly?Some companies offer discounts if you pay your premium in full upfront rather than in monthly installments.About the authorSarah SchlichterFollowYou’re following Sarah SchlichterVisit your My NerdWallet Settings page to see all the writers you're following.newFollow for more nerdy know-howKeep up with your favorite financial topics on NerdWallet.Sarah is a NerdWallet authority on homeowners, renters and pet insurance. Her work has appeared in numerous outlets, including The Associated Press, MarketWatch and The Washington Post. Read moreMethodologyTo find the average cost of homeowners insurance, NerdWallet calculated the median rate for 40-year-old homeowners from a variety of insurance companies in every ZIP code across the U.S. All rates are rounded to the nearest $5.Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:$300,000 in dwelling coverage.$30,000 in other structures coverage.$150,000 in personal property coverage.$60,000 in loss of use coverage.$300,000 in liability coverage.$1,000 in medical payments coverage.We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.We used the same assumptions for all other homeowner profiles, with the following exceptions:For homeowners with a claims history, we added a single wind damage claim.To see the effect of changing your deductible, we raised the deductible from $1,000 to $2,500.For homeowners with older homes, we changed the year the house was built to 1955.For homeowners with newer homes, we changed the year the house was built to 2023.We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for homeowners with poor credit. In states where credit isn’t taken into account, we only used rates for “good” credit.To see the effect of changing your dwelling coverage amount, we changed the limit to $200,000, $400,000 or $500,000. This also changed some of the other coverage limits that were tied to the dwelling coverage amount. For example, the other structures coverage limit is typically 10% of the dwelling coverage amount, so our sample policy with $200,000 of dwelling coverage had $20,000 of other structures coverage.These are sample rates generated through Quadrant Information Services. Your own rates will be different.On a similar note...Free homeowners insurance comparisonCompare top home insurance companies.Get started 9 Ways to Lower Homeowners Insurance RatesHome Insurance Calculator: Estimate Your CostsHow Much Home Insurance Do You Need?What Is Homeowners Insurance?Dive even deeper in Insurance6 Best Homeowners Insurance Companies of August 2024by Sarah SchlichterChubb, NJM and Country Financial earned the highest ratings in NerdWallet's analysis.Read moreThe Cheapest Home Insurance for 2024by Sarah SchlichterAmong large insurers, Progressive has the cheapest annual home insurance on average at $1,815, according to NerdWallet's analysis.Read moreNerdWallet’s Homeowners Insurance Reviews for 2024by NerdWalletNerdWallet has researched the top home insurance companies and compiled the results. 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tax issuesFederal income tax calculatorView all taxesTax credits and deductionsTax formsTax software and productsTax preparation basicsNerdWallet tax filingView all tax preparation and filing InsuranceInsurance6 Best Life Insurance Companies for Seniors in August 2024Advertiser disclosureYou’re our first priority.Every time.We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners.6 Best Life Insurance Companies for Seniors in August 2024Guardian, MassMutual and Northwestern Mutual top our list of the best life insurance companies for seniors.Updated Aug 1, 2024Written by Georgia RoseLead WriterGeorgia RoseLead Writer | Finance, technology, scienceGeorgia Rose is a lead writer on the international team at NerdWallet. Her work has been featured in The Washington Post, The New York Times, The Independent and The Associated Press. Throughout her career, Georgia has written on a variety of subjects, including personal finance, government policy, science and technology. She enjoys researching complex topics and distilling the information for her readers. Before joining the international team, she wrote for the insurance vertical, specializing in life insurance. Learn More+ more Edited by Lisa GreenAssigning Editor  Lisa GreenAssigning Editor | Insurance, data journalismLisa Green leads the life insurance team and oversees insurance-focused data journalism at NerdWallet. A professional journalist since high school, she was an insurance writer at NerdWallet before becoming an assigning editor. Previously, Lisa spent more than 20 years as an editor at The Tennessean in Nashville, where she led business and consumer coverage for several years. At The Tennessean, she was part of a 2011 Pulitzer Prize finalist team for coverage of devastating floods in Middle Tennessee. Her work has also won awards from the Society for Advancing Business Editing and Writing, Investigative Reporters and Editors, and the Society of Professional Journalists. Lisa is an alumna of the Wharton Seminars for Business Journalists at the University of Pennsylvania. She has also studied data journalism with the National Institute for Computer-Assisted Reporting, business editing with the American Press Institute and writing, editing and news research with the Poynter Institute. In addition to her work at NerdWallet, Lisa is a real estate investor and has taught a seminar on how to earn college scholarships. She is based in Nashville. Learn MoreFact Checked+ more Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.Follow the writerYou’re following Georgia RoseVisit your My NerdWallet Settings page to see all the writers you're following.MORE LIKE THISLife insurance providersLife insurance policy typesManaging life insuranceBuying life insuranceInsuranceLife InsuranceJust because you’re older doesn’t mean you can’t find a life insurance policy that meets your needs. The cost of coverage can increase with age, but many insurers will accommodate older adults, even if they're not in the best of health. To put together this list, NerdWallet reviewed insurers that offer term or whole life policies to seniors, taking into account our star ratings for each company, as well as policy features like the maximum issue age. Here are our top picks.» MORE: A guide to buying life insurance for seniorsLoadingLoadingThe best life insurance for seniors in August 2024CompanyMaximum issue ageGuardian Life5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.Term: 75.Whole: 90.MassMutual5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.Term: 75.Whole: 90.Northwestern Mutual5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.Term: 70.Whole: 85.New York Life5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.Term: 75.Whole: 90.State Farm5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.Term: 75.Whole: 80.USAA4.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.Term: 70.Whole: 85.NerdWallet rates insurers at the company level, not the policy level.Best life insurance for seniors in August 2024Learn more about each company in our list by reading the brief summaries below and checking out the NerdWallet review links.Jump to:Guardian Life: Best for payment flexibility.MassMutual: Best for elderly applicants.Northwestern Mutual: Best for the potential to earn dividends.New York Life: Best coverage range.State Farm: Best for customer satisfaction.USAA: Best for coverage flexibility.Best for payment flexibilityGuardian Life5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: Depending on your age, you may have the option to pay off your whole life policy in 10, 15 or 20 years.COMPARE QUOTESon Nerdwalletoverviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Far fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term & permanentProsDrew significantly fewer complaints to state regulators than expected for a company its size.Offers unique coverage options, such as survivorship insurance and policies for HIV-positive applicants.ConsMinimal policy details on the site.With few complaints and flexible payment options, Guardian Life is a smart coverage choice for many seniors. It sells whole life policies to applicants up to age 90 and term policies up to age 75.Best for payment flexibilityCOMPARE QUOTESon NerdwalletGuardian Life5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: Depending on your age, you may have the option to pay off your whole life policy in 10, 15 or 20 years.overviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Far fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term & permanentProsDrew significantly fewer complaints to state regulators than expected for a company its size.Offers unique coverage options, such as survivorship insurance and policies for HIV-positive applicants.ConsMinimal policy details on the site.With few complaints and flexible payment options, Guardian Life is a smart coverage choice for many seniors. It sells whole life policies to applicants up to age 90 and term policies up to age 75.ProsDrew significantly fewer complaints to state regulators than expected for a company its size.Offers unique coverage options, such as survivorship insurance and policies for HIV-positive applicants.ConsMinimal policy details on the site.Overview: Guardian also offers whole life policies that are paid up by age 65, 95, 99 and 121. If you’re looking for other types of permanent coverage, you may want to consider Guardian’s universal and variable universal life products, which are issued up to age 85.Guardian senior life insurance policy detailsPolicy type: Term.Max issue age: 75 (1-year and 10-year terms), 70 (15-year term), 65 (20-year term).Coverage: $100,000+Policy type: Whole.Max issue age: 90.Coverage: $25,000+» Read the full review: Guardian Life insurance review↑ Back to topBest for elderly applicantsMassMutual5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: Few providers issue whole life products to applicants over age 85, which makes this insurer a good bet for older seniors looking for permanent coverage. COMPARE QUOTESon Nerdwalletoverviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.YesNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Far fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsWide range of term and permanent life insurance policies.Supports online claims.ConsMost policies require a medical exam.If you’re looking for term life insurance with generous coverage, MassMutual could be right for you. It doesn’t place a limit on how much term insurance you can get, and issues coverage to applicants up to age 75. You can also buy whole life insurance up to age 90.Best for elderly applicantsCOMPARE QUOTESon NerdwalletMassMutual5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: Few providers issue whole life products to applicants over age 85, which makes this insurer a good bet for older seniors looking for permanent coverage. overviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.YesNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Far fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsWide range of term and permanent life insurance policies.Supports online claims.ConsMost policies require a medical exam.If you’re looking for term life insurance with generous coverage, MassMutual could be right for you. It doesn’t place a limit on how much term insurance you can get, and issues coverage to applicants up to age 75. You can also buy whole life insurance up to age 90.ProsWide range of term and permanent life insurance policies.Supports online claims.ConsMost policies require a medical exam.Overview: With MassMutual, there’s no limit to how much term life coverage you can buy (subject to restrictions). You may find this appealing if you’re looking for a substantial payout for your life insurance beneficiaries.MassMutual senior life insurance policy detailsPolicy type: Term.Max issue age: 75.Coverage: $100,000+.Policy type: Whole.Max issue age: 90.Coverage: $25,000+.» Read the full review: MassMutual life insurance review↑ Back to topBest for the potential to earn dividendsNorthwestern Mutual5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: With far fewer complaints than expected for a company of its size, Northwestern Mutual is a trustworthy choice. COMPARE QUOTESon Nerdwalletoverviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Far fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term & permanentProsFar fewer complaints to state regulators than expected for a company its size.Highly rated for customer satisfaction in J.D. Power study.Consistently pays a dividend to eligible customers, which is common among mutual life insurance companies.ConsCompany website doesn’t give specifics about coverage amounts or riders.Limited riders available.The largest insurer in the U.S., Northwestern Mutual boasts high customer satisfaction scores and has consistently paid out dividends each year to its permanent policyholders. Term and whole life coverage is available for applicants up to age 70 and 85, respectively.Best for the potential to earn dividendsCOMPARE QUOTESon NerdwalletNorthwestern Mutual5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: With far fewer complaints than expected for a company of its size, Northwestern Mutual is a trustworthy choice. overviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Far fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term & permanentProsFar fewer complaints to state regulators than expected for a company its size.Highly rated for customer satisfaction in J.D. Power study.Consistently pays a dividend to eligible customers, which is common among mutual life insurance companies.ConsCompany website doesn’t give specifics about coverage amounts or riders.Limited riders available.The largest insurer in the U.S., Northwestern Mutual boasts high customer satisfaction scores and has consistently paid out dividends each year to its permanent policyholders. Term and whole life coverage is available for applicants up to age 70 and 85, respectively.ProsFar fewer complaints to state regulators than expected for a company its size.Highly rated for customer satisfaction in J.D. Power study.ConsCompany website doesn’t give specifics about coverage amounts or riders.Limited riders available.Overview: Northwestern Mutual's whole life policyholders may be eligible to receive dividends, which the company has paid out consistently since 1872.Northwestern Mutual senior life insurance policy detailsPolicy type: Term.Max issue age: 70.Coverage: $100,000+.Policy type: Whole.Max issue age: 85.Coverage: $50,000+.» Read the full review: Northwestern Mutual life insurance review↑ Back to topBest coverage rangeNew York Life5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: New York Life offers both term and whole life policies that span a significant range of coverage. COMPARE QUOTESon Nerdwalletoverviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term & permanentProsRanks above average in J.D. Power’s latest customer satisfaction study for life insurance.Drew fewer complaints to state regulators than typically expected for a company of its size.ConsQuotes aren't available online.With many insurers, coverage for seniors is often capped at comparatively low amounts. However, New York Life offers coverage from $25,000 to over $1 million and issues policies for applicants up to age 75 for term and age 90 for whole life insurance.Best coverage rangeCOMPARE QUOTESon NerdwalletNew York Life5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: New York Life offers both term and whole life policies that span a significant range of coverage. overviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term & permanentProsRanks above average in J.D. Power’s latest customer satisfaction study for life insurance.Drew fewer complaints to state regulators than typically expected for a company of its size.ConsQuotes aren't available online.With many insurers, coverage for seniors is often capped at comparatively low amounts. However, New York Life offers coverage from $25,000 to over $1 million and issues policies for applicants up to age 75 for term and age 90 for whole life insurance.ProsRanks above average in J.D. Power’s latest customer satisfaction study for life insurance.Drew fewer complaints to state regulators than typically expected for a company of its size.ConsQuotes aren't available online.Overview: Depending on your needs and policy type, you can select payout amounts anywhere from $25,000 to well into the millions.New York Life senior life insurance policy detailsPolicy type: Term.Max issue age: 75 (1- and 10-year terms) and 65 (15- and 20-year terms).Coverage: $100,000+.Policy type: Whole.Max issue age: 90.Coverage: $25,000+ (for applicants ages 18 and over).» Read the full review: New York Life insurance review↑ Back to topBest for customer satisfactionState Farm5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: If you’re looking for a company with a great reputation, State Farm ranked first out of 22 companies for overall customer satisfaction in J.D. Power’s 2023 U.S. Individual Life Insurance Study.COMPARE QUOTESon Nerdwalletoverviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsDrew fewer life insurance complaints to state regulators than expected for a company of its size.Ranked first in J.D. Power’s latest customer satisfaction study for life insurance.Broad range of term products, including instant answer life insurance.ConsLife insurance policies not available in Massachusetts.Some restrictions for Android smartphones when accessing policy details through online portal.State Farm stands out for its exceptional customer service, few complaints and customizable coverage, making it an ideal choice for seniors who want a say in managing their policies. If you’re in the market for term life insurance, you can buy a policy up to age 75 for term insurance.Best for customer satisfactionCOMPARE QUOTESon NerdwalletState Farm5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: If you’re looking for a company with a great reputation, State Farm ranked first out of 22 companies for overall customer satisfaction in J.D. Power’s 2023 U.S. Individual Life Insurance Study.overviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsDrew fewer life insurance complaints to state regulators than expected for a company of its size.Ranked first in J.D. Power’s latest customer satisfaction study for life insurance.Broad range of term products, including instant answer life insurance.ConsLife insurance policies not available in Massachusetts.Some restrictions for Android smartphones when accessing policy details through online portal.State Farm stands out for its exceptional customer service, few complaints and customizable coverage, making it an ideal choice for seniors who want a say in managing their policies. If you’re in the market for term life insurance, you can buy a policy up to age 75 for term insurance.ProsRanked first in J.D. Power’s latest customer satisfaction study for life insurance.Broad range of term products, including instant answer life insurance.ConsLife insurance policies not available in Massachusetts.Some restrictions for Android smartphones when accessing policy details through online portal.Overview: State Farm offers its customers broad, customizable coverage. For instance, you can add more coverage for yourself or another person through a term rider. This can be useful if you need to buy a small amount of coverage for a partner but don’t want to purchase a separate policy. State Farm senior life insurance policy detailsPolicy type: Term.Max issue age: 75 (10-year term), 65 (20-year term).Coverage: $100,000+.Policy type: Whole.Max issue age: Varies by policy (80 for final expense whole life).Coverage: $10,000+.» Read the full review: State Farm life insurance review↑ Back to topBest for coverage flexibilityUSAA4.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: USAA allows you to convert your term policy to permanent coverage before it expires, which can be useful if you think you’ll want lifelong coverage at a later date.COMPARE QUOTESon Nerdwalletoverviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsHad fewer than the expected number of complaints compared to other companies.Some policies include free perks for military personnel, such as a $25,000 severe injury payment.Option to add $100,000 coverage to its term life policy after a major life event.ConsSome policies not available in New York or Montana.USAA life insurance is available to both military members and civilians, unlike other products it sells. Seniors can buy a term policy up to age 70 and whole insurance up to age 85. Plus, USAA offers a guaranteed issue policy, which lets you skip the health questionnaire and medical exam. Best for coverage flexibilityCOMPARE QUOTESon NerdwalletUSAA4.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: USAA allows you to convert your term policy to permanent coverage before it expires, which can be useful if you think you’ll want lifelong coverage at a later date.overviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsHad fewer than the expected number of complaints compared to other companies.Some policies include free perks for military personnel, such as a $25,000 severe injury payment.Option to add $100,000 coverage to its term life policy after a major life event.ConsSome policies not available in New York or Montana.USAA life insurance is available to both military members and civilians, unlike other products it sells. Seniors can buy a term policy up to age 70 and whole insurance up to age 85. Plus, USAA offers a guaranteed issue policy, which lets you skip the health questionnaire and medical exam. ProsHad fewer than the expected number of complaints compared to other companies.Some policies include free perks for military personnel, such as a $25,000 severe injury payment.Option to add $100,000 coverage to its term life policy after a major life event.ConsSome policies not available in New York or Montana.Overview: For anyone looking to skip the medical exam, USAA offers a guaranteed issue policy, underwritten by Mutual of Omaha. You’re not required to answer any health questions or take a life insurance medical exam to qualify for coverage. Plus, unlike some of its other financial products, the company’s life insurance isn't limited to military families.USAA senior life insurance policy detailsPolicy type: Term.Max issue age: 70.Coverage: $100,000 to $10 million.Policy type: Whole.Max issue age: 85.Coverage: $25,000 to $10 million.» Read the full review: USAA life insurance review↑ Back to topFind the right life insurance plan for youMake sure you and your loved ones are covered - compare customized life insurance quotes from our partners.Compare on NerdWalletHow we ranked the top life insurersNerdWallet’s life insurance ratings are based on consumer experience, complaint index scores from the National Association of Insurance Commissioners for individual life insurance, and weighted averages of financial strength ratings, which indicate a company’s ability to pay future claims. Within the consumer experience category, we consider ease of communication and website transparency, which looks at the depth of policy details available online. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale.These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.How we review life insurance companiesIn our life insurance reviews, our editorial team considers the customer and the insurer. These are some of the factors we take into account:Policies offered. There are many types of life insurance on the market, and they fall into three key categories:Term life insurance offers temporary coverage and a guaranteed payout if the policyholder dies during the term.Permanent life insurance typically lasts a lifetime and builds cash value that can be borrowed against in the future.No-exam life insurance issues coverage without the need for a medical exam.Financial strength. We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. For life insurance, NerdWallet typically recommends considering insurers with ratings of A- or higher. Here’s the breakdown:Exceptional: A+, A++.Strong: A-, A.Moderate: B, B+.Complaints. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best life insurance companies have fewer than the expected number of complaints.Buy online. This indicates whether an insurer allows you to apply for and buy a policy completely online.Dive deeper: Ratings methodology for life insuranceOther life insurance options for seniorsIf you can’t find a traditional term or whole life policy, there are some alternatives to consider, such as guaranteed issue life insurance. These policies don't require a life insurance medical exam, and acceptance is guaranteed.» MORE: The best life insurance companiesAlternatively, you may want to look at burial insurance, sometimes referred to as final expense insurance. These are small whole life policies that can help cover end-of-life costs like funeral expenses.More about buying life insurance as a seniorA guide to buying life insurance for seniors Life insurance options in your 60s and 70s Average life insurance ratesBest no medical exam life insurance policiesMore about top-rated life insurance companiesLooking for a specific type of life insurance policy? Check out NerdWallet’s top picks across these categories:Best life insurance companies.Best term life insurance companies.Best whole life insurance companies.Best burial life insurance companies.Best instant life insurance.Best no-medical exam life insurance.Best return-of-premium life insurance.Best life insurance for children.Best accidental death and dismemberment insurance.Cheapest life insurance companies.Largest life insurance companies. About the authorGeorgia RoseFollowYou’re following Georgia RoseVisit your My NerdWallet Settings page to see all the writers you're following.newFollow for more nerdy know-howKeep up with your favorite financial topics on NerdWallet.Georgia Rose is a lead writer for NerdWallet and oversees our content on shopping for life insurance. Her work has been featured in The New York Times, The Washington Post, The Independent and ABC News. Read moreOn a similar note...Compare term life insurance ratesGet free quotes from top companies.Compare rates Compare Life Insurance Quotes7 Best Life Insurance Companies in August 2024Term Life vs. Whole Life Insurance: Key Differences and How To ChooseAverage Life Insurance Rates for August 2024Dive even deeper in InsuranceCompare Life Insurance Quotesby Georgia RoseRead moreLife Insurance Policies and Quotes for August 2024by Georgia RoseA life insurance policy pays out a sum of money to your beneficiaries after you die.Read more7 Best Term Life Insurance Companies in August 2024by Georgia RoseGuardian and MassMutual top our list of the best term life insurance companies in 2024.Read moreExplore InsuranceGet more smart money moves – straight to your inboxSign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.Sign up NerdWallet Home PageFinance SmarterBankingCheckingSavingsPrepaid Debit CardsMoney TransferCDsBanking NewsCredit CardsCredit Card BasicsStudent Credit CardsCash Back Credit CardsAirline Credit CardsLow Interest and No Fee Credit CardsFinancial PlanningPaying off debtCollege SavingsMaking MoneyCredit ScoreFinancial NewsInsuranceAuto InsuranceHomeowners InsuranceLife InsuranceMedicareRenters InsurancePet InsuranceInvestingRetirement PlanningRoth IRAEstate PlanningBrokers401kLoansAuto LoansStudent LoansMortgagesMortgage RatesMortgage ProcessHomeownershipHomeownership CostsSelling Your HomeHome AffordabilityProperty TaxesSmall BusinessRunning Your BusinessSmall-Business LoansBusiness Credit CardsSmall-Business TaxesStarting a BusinessTaxesIncome TaxesInvestment TaxesPersonal TaxesTravelVacations & Trip PlanningReward OptimizationsRental CarsTravel InsuranceBankingExplore BankingCheckingSavingsPrepaid Debit CardsMoney TransferCDsBanking NewsCredit CardsExplore Credit CardsCredit Card BasicsStudent Credit CardsCash Back Credit CardsAirline Credit CardsLow Interest and No Fee Credit CardsFinancial PlanningExplore Financial PlanningPaying off debtCollege SavingsMaking MoneyCredit ScoreFinancial NewsExplore Financial NewsInsuranceExplore InsuranceAuto InsuranceHomeowners InsuranceLife InsuranceMedicareRenters InsurancePet InsuranceInvestingExplore InvestingRetirement PlanningRoth IRAEstate PlanningBrokers401kLoansExplore LoansAuto LoansStudent LoansMortgagesExplore MortgagesMortgage RatesMortgage ProcessHomeownershipHomeownership CostsSelling Your HomeHome AffordabilityProperty TaxesSmall BusinessExplore Small BusinessRunning Your BusinessSmall-Business LoansBusiness Credit CardsSmall-Business TaxesStarting a BusinessTaxesExplore TaxesIncome TaxesInvestment TaxesPersonal TaxesTravelExplore TravelVacations & Trip PlanningReward OptimizationsRental CarsTravel InsuranceaboutCompanyLeadershipCareersCorporate impactDiversity & InclusionEditorial guidelinesStar rating methodologiesEditorial teamNewsPress kitInvestorshelpHelp centerSupport teamCommunitySecurity FAQslegalTerms of useSupplier Code of ConductPrivacy policyCalifornia privacy policyPrivacy preferencesDo not sell or share my personal informationLearn more about the appDownload the appDisclaimer: NerdWallet strives to keep its information accurate and up to date. 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tax issuesFederal income tax calculatorView all taxesTax credits and deductionsTax formsTax software and productsTax preparation basicsNerdWallet tax filingView all tax preparation and filing InsuranceInsurance5 Best Burial Insurance Companies of August 2024 Advertiser disclosureYou’re our first priority.Every time.We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners.5 Best Burial Insurance Companies of August 2024Pay for your own funeral and burial costs with a final expense policy from one of our top-rated insurers.Aug 1, 2024Written by Katia IervasiAssistant Assigning EditorKatia IervasiAssistant Assigning Editor | Life insurance, disability insurance, health careKatia Iervasi is an assistant assigning editor at NerdWallet. An insurance authority, she previously spent over six years covering insurance topics as a writer, where she loved untangling complicated topics and answering readers’ burning money questions. She holds a Bachelor of Arts in communication and has studied writing, fact-checking and editing with Poynter. Her writing and analysis has been featured in The Washington Post, Forbes, Yahoo, Entrepreneur, Best Company and FT Advisor. Originally from Sydney, Australia, Katia currently lives in New York City. Learn More+ more Edited by Erica CorbinAssistant Assigning Editor  Erica CorbinAssistant Assigning EditorErica Corbin joined NerdWallet in 2020 as an assistant assigning editor at large. She previously wrote and edited content at companies such as GOBankingRates and Nasdaq. Her work has been syndicated to USA Today, Yahoo Finance, MSN and more. She also has worked as a freelance writer and editor for over a decade for various clients and publications across industries, with particular emphasis on entertainment reporting. Erica believes that money, like most topics, is best discussed with understanding, transparency and a healthy dose of humor. Learn MoreFact Checked+ more Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.If you want to buy life insurance purely to cover your funeral costs, medical bills and other end-of-life expenses, look into burial insurance. Also known as final expense insurance, these policies are designed for seniors who need only a small amount of coverage, and not all insurers offer them.To narrow down the list of the best burial insurance policies, our experts analyzed policy features, age and state availability, and added value — such as free life insurance riders. We also looked at payment options and the amount of coverage you can buy, which typically starts at $1,000 and maxes out at $50,000 for this type of life insurance.» MORE: Is burial insurance worth it?The best burial insurance in August 2024InsurerNerdWallet ratingAge eligibilityState Farm5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.Issue age: 45 to 80 (50 to 75 in NY).AARP/New York Life5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.Issue age: 50 to 80 (50 to 75 in NY).American Family4.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.Issue age: 50 to 80.Mutual of Omaha3.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.Issue age: 45 to 85 (50 to 75 in NY).Ethos3.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.Issue age: 65 to 85.NerdWallet rates insurers at the company level, not the policy level. This means our star rating reflects the company as a whole, and not its burial insurance policy specifically.» MORE: Best life insurance companies in 2024Best burial life insurance policies for 2024Learn more about each company in our list by reading the brief summaries below and checking out the NerdWallet review links.Jump to:State Farm: Best for customer satisfactionAARP/New York Life: Best for low consumer complaintsAmerican Family: Best for bundlingEthos: Best for instant coverageMutual of Omaha: Best for accessibilityBest for customer satisfactionState Farm5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: If reliable support is a top priority for you, State Farm has an excellent reputation for customer service.COMPARE QUOTESon Nerdwalletoverviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsDrew fewer life insurance complaints to state regulators than expected for a company of its size.Ranked first in J.D. Power’s latest customer satisfaction study for life insurance.Broad range of term products, including instant answer life insurance.ConsLife insurance policies not available in Massachusetts.Some restrictions for Android smartphones when accessing policy details through online portal.State Farm consistently receives high marks for customer service and offers burial insurance for applicants up to age 80 in most states.Best for customer satisfactionCOMPARE QUOTESon NerdwalletState Farm5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: If reliable support is a top priority for you, State Farm has an excellent reputation for customer service.overviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsDrew fewer life insurance complaints to state regulators than expected for a company of its size.Ranked first in J.D. Power’s latest customer satisfaction study for life insurance.Broad range of term products, including instant answer life insurance.ConsLife insurance policies not available in Massachusetts.Some restrictions for Android smartphones when accessing policy details through online portal.State Farm consistently receives high marks for customer service and offers burial insurance for applicants up to age 80 in most states.ProsRanked first in J.D. Power’s latest customer satisfaction study for life insurance.Broad range of term products, including instant answer life insurance.ConsLife insurance policies not available in Massachusetts.Some restrictions for Android smartphones when accessing policy details through online portal.Company overview: State Farm consistently ranks No. 1 in J.D. Power’s annual customer satisfaction study for individual life insurance.State Farm’s burial insurance policy earns cash value over time, and once you’ve accumulated enough, you can take out loans or withdraw money from that fund during your lifetime. Since State Farm is a mutual company, your policy might also pay out dividends based on the insurer’s financial performance. State Farm burial insurance policy detailsPolicy name: Guaranteed Issue Final Expense Life Insurance (known as $10,000 Whole Life in New York).Eligibility age range: 45 to 80 (50 to 75 in New York).Coverage amount: $10,000 ($15,000 in some states).Availability: All states. Note: State Farm isn’t offering policies to new customers in Massachusetts or Rhode Island.» Read the full review: State Farm life insurance review ↑ Back to topBest for low consumer complaintsAARP5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: AARP’s policy is available to its members and their spouses, and the insurer has a relatively low complaint volume for a company of its size.COMPARE QUOTESon Nerdwalletoverviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsNo medical exams required.Fewer than the expected number of complaints to state regulators.Anyone age 50 and up can get access through AARP membership.ConsTerm life insurance premiums rise every five years.AARP attracts minimal complaints and offers burial insurance through a partnership with New York Life, one of the nation’s biggest life insurers. However, only AARP members and their spouses are eligible.Best for low consumer complaintsCOMPARE QUOTESon NerdwalletAARP5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: AARP’s policy is available to its members and their spouses, and the insurer has a relatively low complaint volume for a company of its size.overviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsNo medical exams required.Fewer than the expected number of complaints to state regulators.Anyone age 50 and up can get access through AARP membership.ConsTerm life insurance premiums rise every five years.AARP attracts minimal complaints and offers burial insurance through a partnership with New York Life, one of the nation’s biggest life insurers. However, only AARP members and their spouses are eligible.ProsNo medical exams required.Fewer than the expected number of complaints to state regulators.Anyone age 50 and up can get access through AARP membership.ConsTerm life insurance premiums rise every five years.Company overview: Open to AARP members as part of a partnership with New York Life, this policy is a type of group life insurance. You’re guaranteed to be accepted as long as you’re an AARP member who meets the age requirements, and coverage typically lasts your entire life. In most states, AARP also allows members’ spouses who are 45 to 80 to apply for a policy. In New York, the age eligibility for spouses is slightly different: 50 to 75.AARP burial insurance policy detailsPolicy name: Guaranteed Acceptance Life Insurance.Eligibility age range: 50 to 80 (50 to 75 in NY).Coverage amount: Up to $25,000. You may be able to request a higher coverage amount by calling New York Life on 1-800-607-6957.Availability: Not available in all states. Non-members in Arkansas, Louisiana and Oregon may not be eligible.» Read the full review: AARP/New York Life insurance review↑ Back to topBest for bundlingAmerican Family Life Insurance4.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: American Family allows you to bundle life insurance with other insurance products and possibly save money on the latter.COMPARE QUOTESon Nerdwalletoverviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.StrongOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsFewer customer complaints than expected for a company its size.Offers a variety of term and whole life options.ConsNot available in all states.If you’re looking to buy other insurance products alongside burial coverage, you may want to consider American Family. The company offers a discount for bundling certain types of insurance and has fewer complaints than expected compared to similar sized insurers.Best for bundlingCOMPARE QUOTESon NerdwalletAmerican Family Life Insurance4.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: American Family allows you to bundle life insurance with other insurance products and possibly save money on the latter.overviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.StrongOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsFewer customer complaints than expected for a company its size.Offers a variety of term and whole life options.ConsNot available in all states.If you’re looking to buy other insurance products alongside burial coverage, you may want to consider American Family. The company offers a discount for bundling certain types of insurance and has fewer complaints than expected compared to similar sized insurers.ProsFewer customer complaints than expected for a company its size.Offers a variety of term and whole life options.ConsNot available in all states.Company overview: American Family received fewer complaints to state regulators for a company of its size, making it a trustworthy choice. The company sells a range of insurance products, including vehicle insurance, property insurance and business insurance. In some cases, you can bundle your policies and save money. American Family burial insurance policy detailsPolicy name: DreamSecure Senior Whole Life Insurance.Eligibility age range: 50 to 80.Coverage amount: $10,000 or $15,000.Availability: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Nebraska, Nevada, North Carolina, North Dakota, Ohio, Oregon, South Carolina, South Dakota, Texas, Utah, Virginia, Washington and Wisconsin.» Read the full review: American Family insurance review↑ Back to topBest for instant coverageEthos3.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: You can be approved within minutes of applying and coverage starts as soon as you make your first payment.COMPARE QUOTESon Nerdwalletoverviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.StrongOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.YesNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsNo medical exam required.Fully digital application.Offers both term and whole life insurance online.ConsNo live chat feature, which is unusual for insurtechs.Can't customize coverage with riders.Ethos is one of the few insurers that offers instant coverage for burial insurance if you qualify. Applicants can get up to $30,000 in coverage instantly after paying their first premium. Ethos sells coverage in all states, except New York.Best for instant coverageCOMPARE QUOTESon NerdwalletEthos3.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: You can be approved within minutes of applying and coverage starts as soon as you make your first payment.overviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.StrongOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.YesNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsNo medical exam required.Fully digital application.Offers both term and whole life insurance online.ConsNo live chat feature, which is unusual for insurtechs.Can't customize coverage with riders.Ethos is one of the few insurers that offers instant coverage for burial insurance if you qualify. Applicants can get up to $30,000 in coverage instantly after paying their first premium. Ethos sells coverage in all states, except New York.ProsNo medical exam required.Fully digital application.Offers both term and whole life insurance online.ConsNo live chat feature, which is unusual for insurtechs.Can't customize coverage with riders.Company overview: Ethos’ whole life application takes five minutes to complete and coverage goes into effect once you pay the first premium, making this policy ideal for those who need a policy quickly. You don't need to take a life insurance medical exam. You stop paying premiums at age 100, and the coverage stays intact.Ethos burial insurance policy detailsPolicy name: Guaranteed Issue Whole Life.Eligibility age range: 65 to 85.Coverage amount: $10,000 to $25,000.Availability: Not available in New York.» Read the full review: Ethos life insurance review↑ Back to topBest for accessibilityMutual of Omaha3.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: Most burial insurance policies are open only to seniors 50 and older, but Mutual of Omaha allows 45-year-olds to buy coverage in all states but New York.COMPARE QUOTESon Nerdwalletoverviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Close to expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsWhole life insurance available without a medical exam.Ranks highly in J.D. Power’s latest consumer satisfaction study.ConsClose to the expected number of complaints for life insurance for a company of its size.No online quotes for term life insurance.Mutual of Omaha stands out for selling burial insurance to applicants as young as 45 years old and for offering small policies starting at $2,000 ($5,000 in New York). If you need more coverage, you can get up to $25,000 in all states.Best for accessibilityCOMPARE QUOTESon NerdwalletMutual of Omaha3.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: Most burial insurance policies are open only to seniors 50 and older, but Mutual of Omaha allows 45-year-olds to buy coverage in all states but New York.overviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Close to expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsWhole life insurance available without a medical exam.Ranks highly in J.D. Power’s latest consumer satisfaction study.ConsClose to the expected number of complaints for life insurance for a company of its size.No online quotes for term life insurance.Mutual of Omaha stands out for selling burial insurance to applicants as young as 45 years old and for offering small policies starting at $2,000 ($5,000 in New York). If you need more coverage, you can get up to $25,000 in all states.ProsWhole life insurance available without a medical exam.Ranks highly in J.D. Power’s latest consumer satisfaction study.ConsClose to the expected number of complaints for life insurance for a company of its size.No online quotes for term life insurance.Company overview: Mutual of Omaha’s broad issue age range means people can get a policy at a younger age, when rates are likely to be cheaper. You can buy as little as $2,000 in coverage — making this option good for those who don’t need too much life insurance.The insurer says it pays roughly 80% of claims within 24 hours, which can help your loved ones cover your funeral costs and any other immediate expenses when you die.Mutual of Omaha burial insurance policy detailsPolicy name: Guaranteed Whole Life Insurance.Eligibility age range: 45 to 85 (50 to 75 in New York).Coverage amount: $2,000 to $25,000 ($5,000 to $25,000 in Washington).Availability: All states.» Read the full review: Mutual of Omaha life insurance review↑ Back to topFind the right life insurance plan for youMake sure you and your loved ones are covered - compare customized life insurance quotes from our partners.Compare on NerdWalletHow we ranked the top life insurersNerdWallet’s life insurance ratings are based on consumer experience, complaint index scores from the National Association of Insurance Commissioners for individual life insurance, and weighted averages of financial strength ratings, which indicate a company’s ability to pay future claims. Within the consumer experience category, we consider ease of communication and website transparency, which looks at the depth of policy details available online. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale.These ratings are a guide, but we encourage you to shop around and compare life insurance quotes from several companies to find the best rate for you. NerdWallet does not receive compensation for any reviews.How we review life insurance companiesIn our life insurance reviews, our editorial team considers the customer and the insurer. These are some of the factors we take into account:Policies offered. There are many types of life insurance on the market, and they fall into three key categories:Term life insurance offers temporary coverage and a guaranteed payout if the policyholder dies during the term.Permanent life insurance typically lasts a lifetime and builds cash value that can be borrowed against in the future.No-exam life insurance issues coverage without the need for a medical exam.Financial strength. We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. For life insurance, NerdWallet typically recommends considering insurers with ratings of A- or higher. Here’s the breakdown:Exceptional: A+, A++.Strong: A-, A.Moderate: B, B+.Complaints. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best life insurance companies have fewer than the expected number of complaints.Buy online. This indicates whether an insurer allows you to apply for and buy a policy completely online.Dive deeper: Ratings methodology for life insuranceAlternatives to the best burial insuranceFinal expense policies are designed to help you cover the costs of your own funeral and burial, but they’re expensive and capped at small amounts so they don’t suit everyone. If you crunch the numbers and decide you need more life insurance, you can apply for a traditional term life insurance or permanent life insurance policy.» MORE: Best life insurance companies for seniorsMore about top-rated life insurance companiesLooking for a specific type of life insurance policy? Check out NerdWallet’s top picks across these categories:Best life insurance companies.Best term life insurance companies.Best whole life insurance companies.Best burial life insurance companies.Best life insurance for seniors.Best instant life insurance.Best no-medical exam life insurance.Best return-of-premium life insurance.Best life insurance for children.Best accidental death and dismemberment insurance.Largest life insurance companies.Life insurance ratings methodologyNerdWallet’s life insurance ratings are based on consumer experience, complaint index scores from the National Association of Insurance Commissioners for individual life insurance, and weighted averages of financial strength ratings, which indicate a company’s ability to pay future claims. Within the consumer experience category, we consider ease of communication and website transparency, which looks at the depth of policy details available online. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale.These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.Insurer complaints methodologyNerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2020-2022. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.Frequently asked questionsWhat is a burial insurance policy?Burial policies cover end-of-life expenses, like funerals or lingering medical bills. These policies are relatively small, usually in the $1,000 to $50,000 range, which means they have limited application beyond those final expense needs.How much is burial insurance?Burial insurance that doesn’t require a medical exam can be more expensive per dollar of coverage than many other life insurance policies. For instance, a healthy 50-year-old woman might pay about $360 a year for $10,000 in guaranteed issue life insurance, according to data from Choice Mutual, a brokerage specializing in burial insurance coverage. To compare, a $250,000 whole life policy would cost her about $4,740 — over ten times as much per year but for 25 times as much coverage.What is the cheapest burial insurance?The cheapest burial insurance will depend on your needs and health. While many policies can be issued with no medical questions or exams, they're usually much more expensive. The best way to get cheap life insurance coverage for any type of policy is to shop around.What is a burial insurance policy?Burial policies cover end-of-life expenses, like funerals or lingering medical bills. These policies are relatively small, usually in the $1,000 to $50,000 range, which means they have limited application beyond those final expense needs.How much is burial insurance?Burial insurance that doesn’t require a medical exam can be more expensive per dollar of coverage than many other life insurance policies. For instance, a healthy 50-year-old woman might pay about $360 a year for $10,000 in guaranteed issue life insurance, according to data from Choice Mutual, a brokerage specializing in burial insurance coverage. To compare, a $250,000 whole life policy would cost her about $4,740 — over ten times as much per year but for 25 times as much coverage.What is the cheapest burial insurance?The cheapest burial insurance will depend on your needs and health. While many policies can be issued with no medical questions or exams, they're usually much more expensive. The best way to get cheap life insurance coverage for any type of policy is to shop around.About the authorKatia IervasiFollowYou’re following Katia IervasiVisit your My NerdWallet Settings page to see all the writers you're following.newFollow for more nerdy know-howKeep up with your favorite financial topics on NerdWallet.Katia Iervasi is an assistant assigning editor and spokesperson at NerdWallet. An insurance authority, she previously spent over six years covering insurance topics as a writer, where she loved untangling complicated topics and answering readers’ burning money questions. She holds a Bachelor of Arts in communication and has studied writing, fact-checking and editing with Poynter. Her writing and analysis has been featured in The Washington Post, Forbes, Yahoo, Entrepreneur, Best Company and FT Advisor. Originally from Sydney, Australia, Katia currently lives in New York City. Read moreMethodologyCompare term life insurance ratesGet free quotes from top companies.Compare rates ON A SIMILAR NOTE...Compare Life Insurance Quotes7 Best Life Insurance Companies in August 2024Term Life vs. Whole Life Insurance: Key Differences and How To ChooseAverage Life Insurance Rates for August 2024DIVE EVEN DEEPER IN INSURANCECompare Life Insurance Quotesby Georgia RoseRead moreLife Insurance Policies and Quotes for August 2024by Georgia RoseA life insurance policy pays out a sum of money to your beneficiaries after you die.Read more7 Best Term Life Insurance Companies in August 2024by Georgia RoseGuardian and MassMutual top our list of the best term life insurance companies in 2024.Read moreExplore INSURANCEGet more smart money moves – straight to your inboxSign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.Sign up NerdWallet Home PageFinance SmarterBankingCheckingSavingsPrepaid Debit CardsMoney TransferCDsBanking NewsCredit CardsCredit Card BasicsStudent Credit CardsCash Back Credit CardsAirline Credit CardsLow Interest and No Fee Credit CardsFinancial PlanningPaying off debtCollege SavingsMaking MoneyCredit ScoreFinancial NewsInsuranceAuto InsuranceHomeowners InsuranceLife InsuranceMedicareRenters InsurancePet InsuranceInvestingRetirement PlanningRoth IRAEstate PlanningBrokers401kLoansAuto LoansStudent LoansMortgagesMortgage RatesMortgage ProcessHomeownershipHomeownership CostsSelling Your HomeHome AffordabilityProperty TaxesSmall BusinessRunning Your BusinessSmall-Business LoansBusiness Credit CardsSmall-Business TaxesStarting a BusinessTaxesIncome TaxesInvestment TaxesPersonal TaxesTravelVacations & Trip PlanningReward OptimizationsRental CarsTravel InsuranceBankingExplore BankingCheckingSavingsPrepaid Debit CardsMoney TransferCDsBanking NewsCredit CardsExplore Credit CardsCredit Card BasicsStudent Credit CardsCash Back Credit CardsAirline Credit CardsLow Interest and No Fee Credit CardsFinancial PlanningExplore Financial PlanningPaying off debtCollege SavingsMaking MoneyCredit ScoreFinancial NewsExplore Financial NewsInsuranceExplore InsuranceAuto InsuranceHomeowners InsuranceLife InsuranceMedicareRenters InsurancePet InsuranceInvestingExplore InvestingRetirement PlanningRoth IRAEstate PlanningBrokers401kLoansExplore LoansAuto LoansStudent LoansMortgagesExplore MortgagesMortgage RatesMortgage ProcessHomeownershipHomeownership CostsSelling Your HomeHome AffordabilityProperty TaxesSmall BusinessExplore Small BusinessRunning Your BusinessSmall-Business LoansBusiness Credit CardsSmall-Business TaxesStarting a BusinessTaxesExplore TaxesIncome TaxesInvestment TaxesPersonal TaxesTravelExplore TravelVacations & Trip PlanningReward OptimizationsRental CarsTravel InsuranceaboutCompanyLeadershipCareersCorporate impactDiversity & InclusionEditorial guidelinesStar rating methodologiesEditorial teamNewsPress kitInvestorshelpHelp centerSupport teamCommunitySecurity FAQslegalTerms of useSupplier Code of ConductPrivacy policyCalifornia privacy policyPrivacy preferencesDo not sell or share my personal informationLearn more about the appDownload the appDisclaimer: NerdWallet strives to keep its information accurate and up to date. 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And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners.6 Best Whole Life Insurance Companies for August 2024Guardian, MassMutual and Northwestern Mutual are among our top picks for whole life insurance policies in 2024.Updated Aug 6, 2024Written by Katia IervasiAssistant Assigning EditorKatia IervasiAssistant Assigning Editor | Life insurance, disability insurance, health careKatia Iervasi is an assistant assigning editor at NerdWallet. An insurance authority, she previously spent over six years covering insurance topics as a writer, where she loved untangling complicated topics and answering readers’ burning money questions. She holds a Bachelor of Arts in communication and has studied writing, fact-checking and editing with Poynter. Her writing and analysis has been featured in The Washington Post, Forbes, Yahoo, Entrepreneur, Best Company and FT Advisor. Originally from Sydney, Australia, Katia currently lives in New York City. Learn More+ more Edited by Lisa GreenAssigning Editor  Lisa GreenAssigning Editor | Insurance, data journalismLisa Green leads the life insurance team and oversees insurance-focused data journalism at NerdWallet. A professional journalist since high school, she was an insurance writer at NerdWallet before becoming an assigning editor. Previously, Lisa spent more than 20 years as an editor at The Tennessean in Nashville, where she led business and consumer coverage for several years. At The Tennessean, she was part of a 2011 Pulitzer Prize finalist team for coverage of devastating floods in Middle Tennessee. Her work has also won awards from the Society for Advancing Business Editing and Writing, Investigative Reporters and Editors, and the Society of Professional Journalists. Lisa is an alumna of the Wharton Seminars for Business Journalists at the University of Pennsylvania. She has also studied data journalism with the National Institute for Computer-Assisted Reporting, business editing with the American Press Institute and writing, editing and news research with the Poynter Institute. In addition to her work at NerdWallet, Lisa is a real estate investor and has taught a seminar on how to earn college scholarships. She is based in Nashville. Learn MoreFact Checked+ more Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.Follow the writerYou’re following Katia IervasiVisit your My NerdWallet Settings page to see all the writers you're following.MORE LIKE THISLife insurance providersLife insurance policy typesManaging life insuranceBuying life insuranceInsuranceLife InsuranceIf you’re looking to treat your life insurance policy as a cash asset, you might be in the market for a whole life insurance policy. Along with providing a payout to your loved ones when you die, these policies build cash value over time at a set interest rate.To create this list of the best whole life insurance companies, our experts focused on financially strong insurers with low levels of customer complaints. We then honed in on important features of whole life insurance policies, such as riders, the potential to earn dividends and the amount of coverage you can buy.» MORE: How does whole life insurance work?LoadingLoadingThe best whole life insurance companies of August 2024Guardian5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.MassMutual5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.Northwestern Mutual5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.New York Life5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.State Farm5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.AARP5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.NerdWallet rates insurers at the company level, not the policy level. This means our star rating reflects the company as a whole, and not its whole life insurance policies specifically.» MORE: Best life insurance companiesBest whole life insurance policies for 2024Learn more about each company in our list by reading the brief summaries below and checking out the NerdWallet review links.Jump to:Guardian: Best for applicants living with HIVMassMutual: Best for cash value growthNorthwestern Mutual: Best for blended termNew York Life: Best for rider optionsState Farm Life: Best for customer satisfactionAARP: Best for smaller coverage amountsBest for applicants living with HIVGuardian Life5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: Guardian has a diverse lineup of whole life products, including life insurance for people living with HIV.COMPARE QUOTESon Nerdwalletoverviewpros & consFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Far fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term & permanentProsDrew significantly fewer complaints to state regulators than expected for a company its size.Offers unique coverage options, such as survivorship insurance and policies for HIV-positive applicants.ConsMinimal policy details on the site.Best for applicants living with HIVCOMPARE QUOTESon NerdwalletGuardian Life5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: Guardian has a diverse lineup of whole life products, including life insurance for people living with HIV.overviewpros & consFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Far fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term & permanentProsDrew significantly fewer complaints to state regulators than expected for a company its size.Offers unique coverage options, such as survivorship insurance and policies for HIV-positive applicants.ConsMinimal policy details on the site.ProsDrew significantly fewer complaints to state regulators than expected for a company its size.Offers unique coverage options, such as survivorship insurance and policies for HIV-positive applicants.ConsMinimal policy details on the site.Company overview: With Guardian’s whole life coverage, you can choose a policy with level premiums, or a “limited payment” policy that allows you to pay off your policy in 10, 15 or 20 years. After that, no premiums are required to keep your coverage. You can choose from a range of riders, such as a disability waiver of premium rider, long-term care rider or an index participation feature (IPF) rider. The IPF rider allows you to link a portion of your cash value to the performance of the S&P 500 Price Return Index, and any profits are paid out in dividends.The company also offers life insurance for people living with HIV. To qualify for these term and whole life policies, you must prove you’re under a specialist’s care and successfully receiving antiretroviral therapy. While Guardian doesn’t guarantee dividends, it has paid them out to its permanent policyholders every year since 1868, and will pay $1.4 billion in 2024, the highest payout in the company’s history[0]Guardian Life. Guardian announces $1.398 billion dividend allocation. Accessed Aug 6, 2024.View all sources.Guardian whole life insurance policy detailsPolicy options: Life Paid Up at 121, Life Paid Up at 99, Life Paid Up at 95, Life Paid Up at 65, 10 Pay Whole Life, 15 Pay Whole Life, 20 Pay Whole Life, EstateGuard.Eligibility age range: 0 to 90 (varies by policy).Minimum coverage amount: $25,000.Maximum coverage amount: Unlimited.State availability: All states.Potential to earn dividends: Yes.» Read the full review: Guardian life insurance↑ Back to topBest for cash value growthMassMutual5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: MassMutual has a string of whole life policies to choose from, some of which earn cash value at a set interest rate of 3.75%.COMPARE QUOTESon Nerdwalletoverviewpros & consFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.YesNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Far fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsWide range of term and permanent life insurance policies.Supports online claims.ConsMost policies require a medical exam.Best for cash value growthCOMPARE QUOTESon NerdwalletMassMutual5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: MassMutual has a string of whole life policies to choose from, some of which earn cash value at a set interest rate of 3.75%.overviewpros & consFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.YesNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Far fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsWide range of term and permanent life insurance policies.Supports online claims.ConsMost policies require a medical exam.ProsWide range of term and permanent life insurance policies.Supports online claims.ConsMost policies require a medical exam.Company overview: Depending on your policy, you might be able to customize your coverage with various riders. These include a long-term care rider, chronic illness rider and a yearly term purchase rider, which allows you to direct your dividend payments toward a term life insurance policy.As a permanent policyholder, you’re eligible to receive dividends based on the insurer’s profits. MassMutual will pay out almost $2.2 billion to its permanent policyholders in 2024, its highest sum yet.[0]MassMutual. MassMutual Announces Record Policyowner Dividend Payout. Accessed Aug 6, 2024.View all sourcesMassMutual whole life policies detailsPolicy options: Whole Life 100, Whole Life 65, Whole Life 8/10/12/15/20 Pay, Whole Life HECV.Eligibility age range: 0 to 90 (varies by policy).Minimum coverage amount: $25,000, or $100,000 for HECV — a policy designed for businesses.Maximum coverage amount: Unlimited.State availability: All states.Potential to earn dividends: Yes.» Read the full review: MassMutual life insurance↑ Back to topBest for blended termNorthwestern Mutual5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: Northwestern Mutual sells one whole life policy with flexible coverage starting at $50,000, and the option to blend term life for cheaper coverage.COMPARE QUOTESon Nerdwalletoverviewpros & consFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Far fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term & permanentProsFar fewer complaints to state regulators than expected for a company its size.Highly rated for customer satisfaction in J.D. Power study.Consistently pays a dividend to eligible customers, which is common among mutual life insurance companies.ConsCompany website doesn’t give specifics about coverage amounts or riders.Limited riders available.Best for blended termCOMPARE QUOTESon NerdwalletNorthwestern Mutual5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: Northwestern Mutual sells one whole life policy with flexible coverage starting at $50,000, and the option to blend term life for cheaper coverage.overviewpros & consFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Far fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term & permanentProsFar fewer complaints to state regulators than expected for a company its size.Highly rated for customer satisfaction in J.D. Power study.Consistently pays a dividend to eligible customers, which is common among mutual life insurance companies.ConsCompany website doesn’t give specifics about coverage amounts or riders.Limited riders available.ProsFar fewer complaints to state regulators than expected for a company its size.Highly rated for customer satisfaction in J.D. Power study.ConsCompany website doesn’t give specifics about coverage amounts or riders.Company overview: Northwestern Mutual’s whole life insurance policy comes with various payment options. You can choose to pay premiums for 10, 15, 20 or 25 years, or until you reach age 65 or 100. Plus, you may have the option to blend term life with your policy to lower the premiums, while maintaining permanent coverage. To enhance your coverage, you can add riders to your policy, such as an accelerated death benefit that pays out a portion of your payout if you need long-term care. There’s also an additional purchase benefit rider, which lets you increase your coverage at a later date without taking another life insurance medical exam. Northwestern Mutual is a mutual company, one of the largest individual life insurers in the U.S., and it is set to pay out $7.3 billion in dividends to qualifying policyholders in 2024[0]Northwestern Mutual. Northwestern Mutual to Deliver Record-Setting $7.3 Billion in Dividends to Policyowners. Accessed Aug 6, 2024.View all sources.Northwestern Mutual whole life insurance policy detailsPolicy options: Whole Life Plus.Eligibility age range: 0 to 85.Minimum coverage amount: $50,000.Maximum coverage amount: $80 million.State availability: All states.Potential to earn dividends: Yes.» Read the full review: Northwestern Mutual life insurance↑ Back to topBest for rider optionsNew York Life5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: New York Life sells three whole life policies and offers a variety of life insurance riders, as well as customizable payment options. COMPARE QUOTESon Nerdwalletoverviewpros & consFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term & permanentProsRanks above average in J.D. Power’s latest customer satisfaction study for life insurance.Drew fewer complaints to state regulators than typically expected for a company of its size.ConsQuotes aren't available online.Best for rider optionsCOMPARE QUOTESon NerdwalletNew York Life5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: New York Life sells three whole life policies and offers a variety of life insurance riders, as well as customizable payment options. overviewpros & consFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term & permanentProsRanks above average in J.D. Power’s latest customer satisfaction study for life insurance.Drew fewer complaints to state regulators than typically expected for a company of its size.ConsQuotes aren't available online.ProsRanks above average in J.D. Power’s latest customer satisfaction study for life insurance.Drew fewer complaints to state regulators than typically expected for a company of its size.ConsQuotes aren't available online.Company overview: New York Life’s custom whole life policy offers flexibility with premium payments. You can opt to pay off your policy in the first few years, or schedule the timing and amount of your payments to suit you.The insurer also offers a variety of life insurance riders, such as a chronic care rider, waiver of premium rider and accelerated death benefit.As a mutual company, New York Life plans to pay out $2.2 billion in dividends to its policyholders in 2024[0]New York Life. New York Life declares company-record $2.2 billion dividend for 2024.. Accessed Aug 6, 2024.View all sources.New York Life whole life policy detailsPolicy options: Whole Life, Custom Whole Life and Secure Wealth Plus.Eligibility age range: 0 to 90 (varies by policy).Minimum coverage amount: $25,000 (for applicants ages 18 and older).Maximum coverage amount: $100 million.State availability: All states.Potential to earn dividends: Yes.» Read the full review: New York Life insurance↑ Back to topBest for customer satisfactionState Farm5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: For flexible payment options, it’s worth looking into State Farm’s lineup. Depending on the policy, you may have the option to pay off your coverage in one payment.COMPARE QUOTESon Nerdwalletoverviewpros & consFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsDrew fewer life insurance complaints to state regulators than expected for a company of its size.Ranked first in J.D. Power’s latest customer satisfaction study for life insurance.Broad range of term products, including instant answer life insurance.ConsLife insurance policies not available in Massachusetts.Some restrictions for Android smartphones when accessing policy details through online portal.Best for customer satisfactionCOMPARE QUOTESon NerdwalletState Farm5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: For flexible payment options, it’s worth looking into State Farm’s lineup. Depending on the policy, you may have the option to pay off your coverage in one payment.overviewpros & consFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsDrew fewer life insurance complaints to state regulators than expected for a company of its size.Ranked first in J.D. Power’s latest customer satisfaction study for life insurance.Broad range of term products, including instant answer life insurance.ConsLife insurance policies not available in Massachusetts.Some restrictions for Android smartphones when accessing policy details through online portal.ProsRanked first in J.D. Power’s latest customer satisfaction study for life insurance.Broad range of term products, including instant answer life insurance.ConsLife insurance policies not available in Massachusetts.Some restrictions for Android smartphones when accessing policy details through online portal.Company overview: State Farm’s standard whole life policy has level premiums, which means you’ll pay the same amount each month. But if you’d like to adjust when and how much you pay, you can buy a single premium or limited payment policy.If you’re healthy, age 18 to 50 and applying for a policy worth $100,000 to $1 million, State Farm might fast-track your application and issue your policy without the need for a medical exam. If you purely want to cover your own funeral, burial and end-of-life expenses, the insurer offers a final expense policy to applicants ages 45 to 80 (50 to 75 in New York). Policy features aside, State Farm leads J.D. Power’s list of life insurers with the best customer satisfaction[0]J.D. Power. 2023 Individual Life Insurance Customer Satisfaction Study. Accessed Aug 6, 2024.View all sources.State Farm whole life insurance policy detailsPolicy options: Whole Life, Limited Pay Whole Life, Single Premium Whole Life, Final Expense.Eligibility age range: Varies by policy.Minimum coverage amount: $10,000 for final expense policy; $15,000 for other whole life policies.Maximum coverage amount: None for standard whole life policies; $10,000 to $15,000 for the final expense policy, depending on the state.State availability: All states except Massachusetts.Potential to earn dividends: Yes.» Read the full review: State Farm life insurance↑ Back to topAARP5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.No medical exams are required for life insurance policies through AARP, although you have to be a member to buy one.Compare Quoteson Nerdwalletoverviewpros & consFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsNo medical exams required.Fewer than the expected number of complaints to state regulators.Anyone age 50 and up can get access through AARP membership.ConsTerm life insurance premiums rise every five years.Compare Quoteson NerdwalletAARP5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.No medical exams are required for life insurance policies through AARP, although you have to be a member to buy one.overviewpros & consFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsNo medical exams required.Fewer than the expected number of complaints to state regulators.Anyone age 50 and up can get access through AARP membership.ConsTerm life insurance premiums rise every five years.ProsNo medical exams required.Fewer than the expected number of complaints to state regulators.Anyone age 50 and up can get access through AARP membership.ConsTerm life insurance premiums rise every five years.Company overview: AARP offers coverage to its members and their spouses via their partnership with New York Life, one of the largest life insurance companies in the U.S. With AARP’s standard whole life insurance policy, members ages 50 to 80 and spouses ages 45 to 80 can apply by answering a few health questions. No medical exam is required. You can buy up to $50,000 in coverage online or request a higher amount by contacting New York Life. AARP also offers a guaranteed acceptance whole life policy, which skips both the questionnaire and medical exam and issues coverage to members ages 50 to 80 and spouses ages 45 to 80. In New York, the age eligibility is 50 to 75 for both members and spouses. Applicants can buy up to $25,000 in coverage on their own.AARP whole life policies detailsPolicy options: Permanent Life Insurance, Guaranteed Life Insurance.Eligibility age range: 50 to 80 (varies by policy, state and membership status).Minimum coverage amount: $5,000.Maximum coverage amount: $25,000 or $50,000, depending on the policy, though higher amounts may be available.State availability: Depends on policy.Potential to earn dividends: No.» Read the full review: AARP life insuranceFind the right life insurance plan for youMake sure you and your loved ones are covered - compare customized life insurance quotes from our partners.Compare on NerdWalletHow we ranked the top life insurersNerdWallet’s life insurance ratings are based on consumer experience, complaint index scores from the National Association of Insurance Commissioners for individual life insurance, and weighted averages of financial strength ratings, which indicate a company’s ability to pay future claims. Within the consumer experience category, we consider ease of communication and website transparency, which looks at the depth of policy details available online. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale.These ratings are a guide, but we encourage you to shop around and compare life insurance quotes from several companies to find the best rate for you. NerdWallet does not receive compensation for any reviews.How we review life insurance companiesIn our life insurance reviews, our editorial team considers the customer and the insurer. These are some of the factors we take into account:Policies offered. There are many types of life insurance on the market, and they fall into three key categories:Term life insurance offers temporary coverage and a guaranteed payout if the policyholder dies during the term.Permanent life insurance typically lasts a lifetime and builds cash value that can be borrowed against in the future.No-exam life insurance issues coverage without the need for a medical exam.Financial strength. We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. For life insurance, NerdWallet typically recommends considering insurers with ratings of A- or higher. Here’s the breakdown:Exceptional: A+, A++.Strong: A-, A.Moderate: B, B+.Complaints. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best life insurance companies have fewer than the expected number of complaints.Buy online. This indicates whether an insurer allows you to apply for and buy a policy completely online.Dive deeper: Ratings methodology for life insuranceAlternatives to the best whole life insuranceTraditional term life insurance is typically sufficient for most people. Term life, which doesn’t build cash value, is much less expensive than whole life insurance. A term life policy lasts a set number of years, and by the time it expires, you may no longer need life insurance.If you’re certain you want lifelong coverage, you may also want to consider other types of permanent life insurance. Some of the options are:Universal life insurance, which gives you flexibility to adjust your premiums and life insurance death benefit.Indexed universal life insurance, a type of universal life that’s tied to a stock index such as the S&P 500.Variable life insurance, which lets you choose how to invest your policy’s cash value.More about whole life insuranceLearn more about whole life policies before you buy. Here are a few resources to help you understand your options.Whole life insurance definitionHow does whole life insurance work?The cost of whole life insurance and why it’s so highIs whole life insurance a good investment?More about top-rated life insurance companiesLooking for a different type of life insurance policy? Check out NerdWallet’s top picks across these categories:Best life insurance companies.Best term life insurance companies. Best burial life insurance companies.Best life insurance for seniors.Best instant life insurance companies.Best no-medical exam life insurance.Best return-of-premium life insurance.Best life insurance for children.Best accidental death and dismemberment insurance.Cheapest life insurance companies.Frequently asked questionsIs whole life insurance worth it?It depends on your needs and financial situation. If you can comfortably afford the higher premiums and want to see your life insurance policy grow into a cash asset, whole life insurance might be worth the price tag.But if you simply want to buy life insurance to give your family a financial safety net when you die, a term life insurance policy is probably sufficient.How much is whole life insurance?For a healthy, nonsmoking 40-year-old, the typical cost of a $500,000 whole life insurance policy is $5,972 a year, according to average life insurance rates from Covr Financial Technologies. To compare, the same applicant might pay $308 a year for a 20-year, $500,000 term life policy.What is modified whole life insurance?Modified whole life insurance is a type of whole life insurance that offers lower premiums for the first few years. After that, the premiums go up. During the “modified premium” period, you can’t contribute to your policy’s cash value.Is whole life insurance worth it?It depends on your needs and financial situation. If you can comfortably afford the higher premiums and want to see your life insurance policy grow into a cash asset, whole life insurance might be worth the price tag.But if you simply want to buy life insurance to give your family a financial safety net when you die, a term life insurance policy is probably sufficient.How much is whole life insurance?For a healthy, nonsmoking 40-year-old, the typical cost of a $500,000 whole life insurance policy is $5,972 a year, according to average life insurance rates from Covr Financial Technologies. To compare, the same applicant might pay $308 a year for a 20-year, $500,000 term life policy.What is modified whole life insurance?Modified whole life insurance is a type of whole life insurance that offers lower premiums for the first few years. After that, the premiums go up. During the “modified premium” period, you can’t contribute to your policy’s cash value.About the authorKatia IervasiFollowYou’re following Katia IervasiVisit your My NerdWallet Settings page to see all the writers you're following.newFollow for more nerdy know-howKeep up with your favorite financial topics on NerdWallet.Katia Iervasi is an assistant assigning editor and spokesperson at NerdWallet. An insurance authority, she previously spent over six years covering insurance topics as a writer, where she loved untangling complicated topics and answering readers’ burning money questions. She holds a Bachelor of Arts in communication and has studied writing, fact-checking and editing with Poynter. Her writing and analysis has been featured in The Washington Post, Forbes, Yahoo, Entrepreneur, Best Company and FT Advisor. Originally from Sydney, Australia, Katia currently lives in New York City. Read moreOn a similar note...What Is Whole Life Insurance, and How Does It Work?The Cost of Whole Life Insurance, and Why It’s So HighIs Whole Life Insurance a Good Investment in 2024?Whole Life Insurance DefinitionDive even deeper in InsuranceCompare Life Insurance Quotesby Georgia RoseRead moreLife Insurance Policies and Quotes for August 2024by Georgia RoseA life insurance policy pays out a sum of money to your beneficiaries after you die.Read more7 Best Term Life Insurance Companies in August 2024by Georgia RoseGuardian and MassMutual top our list of the best term life insurance companies in 2024.Read moreExplore InsuranceGet more smart money moves – straight to your inboxSign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.Sign up NerdWallet Home PageFinance SmarterBankingCheckingSavingsPrepaid Debit CardsMoney TransferCDsBanking NewsCredit CardsCredit Card BasicsStudent Credit CardsCash Back Credit CardsAirline Credit CardsLow Interest and No Fee Credit CardsFinancial PlanningPaying off debtCollege SavingsMaking MoneyCredit ScoreFinancial NewsInsuranceAuto InsuranceHomeowners InsuranceLife InsuranceMedicareRenters InsurancePet InsuranceInvestingRetirement PlanningRoth IRAEstate PlanningBrokers401kLoansAuto LoansStudent LoansMortgagesMortgage RatesMortgage ProcessHomeownershipHomeownership CostsSelling Your HomeHome AffordabilityProperty TaxesSmall BusinessRunning Your BusinessSmall-Business LoansBusiness Credit CardsSmall-Business TaxesStarting a BusinessTaxesIncome TaxesInvestment TaxesPersonal TaxesTravelVacations & Trip PlanningReward OptimizationsRental CarsTravel InsuranceBankingExplore BankingCheckingSavingsPrepaid Debit CardsMoney TransferCDsBanking NewsCredit CardsExplore Credit CardsCredit Card BasicsStudent Credit CardsCash Back Credit CardsAirline Credit CardsLow Interest and No Fee Credit CardsFinancial PlanningExplore Financial PlanningPaying off debtCollege SavingsMaking MoneyCredit ScoreFinancial NewsExplore Financial NewsInsuranceExplore InsuranceAuto InsuranceHomeowners InsuranceLife InsuranceMedicareRenters InsurancePet InsuranceInvestingExplore InvestingRetirement PlanningRoth IRAEstate PlanningBrokers401kLoansExplore LoansAuto LoansStudent LoansMortgagesExplore MortgagesMortgage RatesMortgage ProcessHomeownershipHomeownership CostsSelling Your HomeHome AffordabilityProperty TaxesSmall BusinessExplore Small BusinessRunning Your BusinessSmall-Business LoansBusiness Credit CardsSmall-Business TaxesStarting a BusinessTaxesExplore TaxesIncome TaxesInvestment TaxesPersonal TaxesTravelExplore TravelVacations & Trip PlanningReward OptimizationsRental CarsTravel InsuranceaboutCompanyLeadershipCareersCorporate impactDiversity & InclusionEditorial guidelinesStar rating methodologiesEditorial teamNewsPress kitInvestorshelpHelp centerSupport teamCommunitySecurity FAQslegalTerms of useSupplier Code of ConductPrivacy policyCalifornia privacy policyPrivacy preferencesDo not sell or share my personal informationLearn more about the appDownload the appDisclaimer: NerdWallet strives to keep its information accurate and up to date. 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tax issuesFederal income tax calculatorView all taxesTax credits and deductionsTax formsTax software and productsTax preparation basicsNerdWallet tax filingView all tax preparation and filing InsuranceInsurance7 Best Term Life Insurance Companies in August 2024Advertiser disclosureYou’re our first priority.Every time.We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners.7 Best Term Life Insurance Companies in August 2024Guardian and MassMutual top our list of the best term life insurance companies in 2024.Updated Aug 6, 2024Written by Georgia RoseLead WriterGeorgia RoseLead Writer | Finance, technology, scienceGeorgia Rose is a lead writer on the international team at NerdWallet. Her work has been featured in The Washington Post, The New York Times, The Independent and The Associated Press. Throughout her career, Georgia has written on a variety of subjects, including personal finance, government policy, science and technology. She enjoys researching complex topics and distilling the information for her readers. Before joining the international team, she wrote for the insurance vertical, specializing in life insurance. Learn More+ more Edited by Lisa GreenAssigning Editor  Lisa GreenAssigning Editor | Insurance, data journalismLisa Green leads the life insurance team and oversees insurance-focused data journalism at NerdWallet. A professional journalist since high school, she was an insurance writer at NerdWallet before becoming an assigning editor. Previously, Lisa spent more than 20 years as an editor at The Tennessean in Nashville, where she led business and consumer coverage for several years. At The Tennessean, she was part of a 2011 Pulitzer Prize finalist team for coverage of devastating floods in Middle Tennessee. Her work has also won awards from the Society for Advancing Business Editing and Writing, Investigative Reporters and Editors, and the Society of Professional Journalists. Lisa is an alumna of the Wharton Seminars for Business Journalists at the University of Pennsylvania. She has also studied data journalism with the National Institute for Computer-Assisted Reporting, business editing with the American Press Institute and writing, editing and news research with the Poynter Institute. In addition to her work at NerdWallet, Lisa is a real estate investor and has taught a seminar on how to earn college scholarships. She is based in Nashville. Learn MoreFact Checked+ more Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.Follow the writerYou’re following Georgia RoseVisit your My NerdWallet Settings page to see all the writers you're following.MORE LIKE THISLife insurance providersLife insurance policy typesManaging life insuranceBuying life insuranceInsuranceLife InsuranceThe best term life insurance policy for you may not be the best one for someone else. Coverage amounts, term lengths, age restrictions and whether you can convert the policy to permanent coverage are all important factors to consider when shopping for life insurance, and some of these things may be more significant to you than others. We’ve highlighted term life policies sold by some of the best life insurance companies in the United States, so you can weigh your options and find the right coverage for you and your family.» MORE: What is term life insurance? Types, cost and how it worksLabelLoadingLoadingThe best term life insurance companies in August 2024The following term life insurance companies hold up under scrutiny. They have solid financial strength ratings, received high marks for consumer experience and had fewer complaints to state regulators than expected for companies of their size. Since you won’t be around to fight for your rights when your policy pays out, you need to be able to trust that your insurer will treat your life insurance beneficiaries right.Guardian5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.Term lengths: 1, 10, 15, 20 or 30 years.MassMutual5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.Term lengths: 1, 10, 15, 20, 25 or 30 years.Northwestern Mutual5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.Term lengths: 1, 10 or 20 years.New York Life5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.Term lengths: 1, 10, 15 or 20 years.Pacific Life5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.Term lengths: 10, 15, 20, 25 or 30 years.State Farm5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.Term lengths: 10, 20 or 30 years.AARP5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.Term lengths: Until age 80.NerdWallet rates insurers at the company level, not the policy level. This means our star rating reflects the company as a whole, and not its term life insurance policies specifically.» MORE: Compare life insurance quotesBest term life insurance policies for 2024Learn more about each company and the policies available by reading the brief summaries below and checking out the full NerdWallet reviews.Guardian Life: Best for applicants living with HIVMassMutual: Best for low-income parentsNorthwestern Mutual: Best for customer experienceNew York Life: Best for high coverage amountsPacific Life: Best for conversion flexibilityState Farm: Best for customer satisfactionAARP: Best for older applicantsBest for applicants living with HIVGuardian Life5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: Guardian offers term life policies in a range of term lengths, and opens its coverage to applicants living with HIV — a condition that can make it hard to find life insurance.COMPARE QUOTESon Nerdwalletoverviewpros & consFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Far fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term & permanentProsDrew significantly fewer complaints to state regulators than expected for a company its size.Offers unique coverage options, such as survivorship insurance and policies for HIV-positive applicants.ConsMinimal policy details on the site.Best for applicants living with HIVCOMPARE QUOTESon NerdwalletGuardian Life5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: Guardian offers term life policies in a range of term lengths, and opens its coverage to applicants living with HIV — a condition that can make it hard to find life insurance.overviewpros & consFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Far fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term & permanentProsDrew significantly fewer complaints to state regulators than expected for a company its size.Offers unique coverage options, such as survivorship insurance and policies for HIV-positive applicants.ConsMinimal policy details on the site.ProsDrew significantly fewer complaints to state regulators than expected for a company its size.Offers unique coverage options, such as survivorship insurance and policies for HIV-positive applicants.ConsMinimal policy details on the site.Guardian Level Term: Policies are issued to applicants 18 to 75 years old, and coverage amounts start at $100,000. Policies are available in 1-, 10-, 15-, 20- and 30-year terms.Guardian also offers coverage for people living with HIV. To apply, you must be from 20 to 65 years old and meet certain eligibility requirements, such as being on active antiretroviral therapy.» Read the full review: Guardian life insurance↑ Back to topBest for low-income parentsMassMutual5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: MassMutual offers standard term life insurance and an annual renewable policy, as well as free coverage for low-income parents under its LifeBridge program.COMPARE QUOTESon Nerdwalletoverviewpros & consFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.YesNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Far fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsWide range of term and permanent life insurance policies.Supports online claims.ConsMost policies require a medical exam.Best for low-income parentsCOMPARE QUOTESon NerdwalletMassMutual5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: MassMutual offers standard term life insurance and an annual renewable policy, as well as free coverage for low-income parents under its LifeBridge program.overviewpros & consFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.YesNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Far fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsWide range of term and permanent life insurance policies.Supports online claims.ConsMost policies require a medical exam.ProsWide range of term and permanent life insurance policies.Supports online claims.ConsMost policies require a medical exam.MassMutual Term: MassMutual’s term life policies are available in 10-, 15-, 20-, 25- and 30-year increments. The company also offers an annually renewable term life policy that renews every year, though you can expect to pay higher premiums over time if you choose that option.The maximum issue age for MassMutual term life policy is 75, with coverage starting at $100,000. You can convert to permanent life insurance before the deadline specified in your policy documents.Through MassMutual's LifeBridge program, the parent or legal guardian of a child under 18 may qualify for a free policy if the family's total income is from $10,000 to $40,000 a year. The 10-year, $50,000 policy is designed to help pay for the child's education if the parent or guardian dies.» Read the full review: MassMutual life insurance↑ Back to topBest for customer experienceNorthwestern Mutual5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: Northwestern Mutual received fewer complaints relative to its size than any other insurer on our top companies list, making it a solid choice for customer experience.COMPARE QUOTESon Nerdwalletoverviewpros & consFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Far fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term & permanentProsFar fewer complaints to state regulators than expected for a company its size.Highly rated for customer satisfaction in J.D. Power study.Consistently pays a dividend to eligible customers, which is common among mutual life insurance companies.ConsCompany website doesn’t give specifics about coverage amounts or riders.Limited riders available.Best for customer experienceCOMPARE QUOTESon NerdwalletNorthwestern Mutual5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: Northwestern Mutual received fewer complaints relative to its size than any other insurer on our top companies list, making it a solid choice for customer experience.overviewpros & consFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Far fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term & permanentProsFar fewer complaints to state regulators than expected for a company its size.Highly rated for customer satisfaction in J.D. Power study.Consistently pays a dividend to eligible customers, which is common among mutual life insurance companies.ConsCompany website doesn’t give specifics about coverage amounts or riders.Limited riders available.ProsFar fewer complaints to state regulators than expected for a company its size.Highly rated for customer satisfaction in J.D. Power study.ConsCompany website doesn’t give specifics about coverage amounts or riders.Limited riders available.Annual Renewable Term Life: Premiums are relatively low at first, compared to level term policies, but they increase as you get older. Coverage automatically renews each year.Level Premium Term Life: Coverage lasts 20 years, and the insurer offers a policy with steady premiums for the first decade.» Read the full review: Northwestern Mutual life insurance↑ Back to topBest for high coverage amountsNew York Life5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: New York Life offers two term products, including a policy that can be renewed annually.COMPARE QUOTESon Nerdwalletoverviewpros & consFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term & permanentProsRanks above average in J.D. Power’s latest customer satisfaction study for life insurance.Drew fewer complaints to state regulators than typically expected for a company of its size.ConsQuotes aren't available online.Best for high coverage amountsCOMPARE QUOTESon NerdwalletNew York Life5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: New York Life offers two term products, including a policy that can be renewed annually.overviewpros & consFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term & permanentProsRanks above average in J.D. Power’s latest customer satisfaction study for life insurance.Drew fewer complaints to state regulators than typically expected for a company of its size.ConsQuotes aren't available online.ProsRanks above average in J.D. Power’s latest customer satisfaction study for life insurance.Drew fewer complaints to state regulators than typically expected for a company of its size.ConsQuotes aren't available online.Yearly Renewable Term: Applicants must be from 18 to 75 years old, and the minimum coverage amount is $250,000. You can renew this policy every year. If you want lifelong coverage, you can convert it to a permanent policy.Level Premium Term: Coverage is available for terms lasting 10, 15 or 20 years, with life insurance death benefits starting at $100,000. You can typically convert the policy to permanent coverage within the first five or 10 years after issuance. » Read the full review: New York Life insurance↑ Back to topBest for conversion flexibilityPacific Life5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: Pacific Life offers term life insurance that can be converted to permanent coverage, with a cash credit for policyholders who choose to do that.COMPARE QUOTESon Nerdwalletoverviewpros & consFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Far fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term & permanentProsDrew significantly fewer complaints than expected to state regulators for a company of its size.Offers a variety of term and permanent policies with many riders to choose from.ConsSelect policies are not available in New York.Quotes are not available online.Best for conversion flexibilityCOMPARE QUOTESon NerdwalletPacific Life5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: Pacific Life offers term life insurance that can be converted to permanent coverage, with a cash credit for policyholders who choose to do that.overviewpros & consFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Far fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term & permanentProsDrew significantly fewer complaints than expected to state regulators for a company of its size.Offers a variety of term and permanent policies with many riders to choose from.ConsSelect policies are not available in New York.Quotes are not available online.ProsDrew significantly fewer complaints than expected to state regulators for a company of its size.Offers a variety of term and permanent policies with many riders to choose from.ConsSelect policies are not available in New York.Quotes are not available online.PL Promise Term: Available in 10-, 15-, 20-, 25- and 30-year terms, this policy has a minimum coverage amount of $50,000. It includes an accelerated death benefit rider at no additional cost. You are also allowed to convert it to a universal life insurance policy before the age of 71.Pacific Elite Term: This policy can be converted to a permanent policy within the first 10 years. A cash credit is also added to your new policy, which can help offset some of the initial premiums of your new permanent coverage.» Read the full review: Pacific Life insurance↑ Back to topBest for customer satisfactionState Farm5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: State Farm ranked first in J.D. Power’s 2023 U.S. Individual Life Insurance Study for customer satisfaction, making it a trustworthy choice.COMPARE QUOTESon Nerdwalletoverviewpros & consFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsDrew fewer life insurance complaints to state regulators than expected for a company of its size.Ranked first in J.D. Power’s latest customer satisfaction study for life insurance.Broad range of term products, including instant answer life insurance.ConsLife insurance policies not available in Massachusetts.Some restrictions for Android smartphones when accessing policy details through online portal.Best for customer satisfactionCOMPARE QUOTESon NerdwalletState Farm5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: State Farm ranked first in J.D. Power’s 2023 U.S. Individual Life Insurance Study for customer satisfaction, making it a trustworthy choice.overviewpros & consFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsDrew fewer life insurance complaints to state regulators than expected for a company of its size.Ranked first in J.D. Power’s latest customer satisfaction study for life insurance.Broad range of term products, including instant answer life insurance.ConsLife insurance policies not available in Massachusetts.Some restrictions for Android smartphones when accessing policy details through online portal.ProsRanked first in J.D. Power’s latest customer satisfaction study for life insurance.Broad range of term products, including instant answer life insurance.ConsLife insurance policies not available in Massachusetts.Some restrictions for Android smartphones when accessing policy details through online portal.Select Term Life Insurance: Coverage starts at $100,000 and is available to applicants from 18 to 75 years old. You can opt into a child term rider or a term insurance rider, which adds 10, 20 or 30 years of term life coverage to your policy. You also have the option to add a waiver of premium rider which pauses premiums for a specific period of time if you become disabled and can't work. These riders are typically available for an additional charge.Return of Premium Life: Similar to the standard term life product, this policy offers coverage for a set number of years. But if you outlive the term, it returns the premiums you paid. You must be from 18 to 60 years old to apply, and coverage is available in 20- and 30-year terms. However, note that return-of-premium life insurance tends to be more expensive than standard term policies.Instant Answer Term Life: You can apply in person with a State Farm agent and get coverage the same day. The policy lasts 10 years or until you reach 50, whichever is longer, and only $50,000 of coverage is available.» Read the full review: State Farm life insurance↑ Back to topBest for older applicantsAARP5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.No medical exams are required for life insurance policies through AARP, although you have to be a member to buy one.Compare Quoteson Nerdwalletoverviewpros & consFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsNo medical exams required.Fewer than the expected number of complaints to state regulators.Anyone age 50 and up can get access through AARP membership.ConsTerm life insurance premiums rise every five years.Best for older applicantsCompare Quoteson NerdwalletAARP5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.No medical exams are required for life insurance policies through AARP, although you have to be a member to buy one.overviewpros & consFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsNo medical exams required.Fewer than the expected number of complaints to state regulators.Anyone age 50 and up can get access through AARP membership.ConsTerm life insurance premiums rise every five years.ProsNo medical exams required.Fewer than the expected number of complaints to state regulators.Anyone age 50 and up can get access through AARP membership.ConsTerm life insurance premiums rise every five years.AARP Level Benefit Term Life Insurance: AARP offers term life insurance to its members ages 50 to 74 and their spouses ages 45 to 74 through its partnership with New York Life. You can get $10,000 to $150,000 in coverage (or $100,000 in New York), or potentially a higher amount by calling New York Life. There’s no medical exam required.Instead of having traditional term lengths, coverage lasts until the insured person’s 80th birthday, with annual premiums going up each time they reach a new five-year age band. The policy can be converted to permanent life insurance before age 80.» Read the full review: AARP life insuranceFind the right life insurance plan for youMake sure you and your loved ones are covered - compare customized life insurance quotes from our partners.Compare on NerdWalletHow we ranked the top life insurersNerdWallet’s life insurance ratings are based on consumer experience, complaint index scores from the National Association of Insurance Commissioners for individual life insurance, and weighted averages of financial strength ratings, which indicate a company’s ability to pay future claims. Within the consumer experience category, we consider ease of communication and website transparency, which looks at the depth of policy details available online. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale.These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews.How we review life insurance companiesIn our life insurance reviews, our editorial team considers the customer and the insurer. These are some of the factors we take into account:Policies offered. There are many types of life insurance on the market, and they fall into three key categories:Term life insurance offers temporary coverage and a guaranteed payout if the policyholder dies during the term.Permanent life insurance typically lasts a lifetime and builds cash value that can be borrowed against in the future.No-exam life insurance issues coverage without the need for a medical exam.Financial strength. We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. For life insurance, NerdWallet typically recommends considering insurers with ratings of A- or higher. Here’s the breakdown:Exceptional: A+, A++.Strong: A-, A.Moderate: B, B+.Complaints. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best life insurance companies have fewer than the expected number of complaints.Buy online. This indicates whether an insurer allows you to apply for and buy a policy completely online.Dive deeper: Ratings methodology for life insuranceHow to find the best term life insurance companyWhen you buy life insurance, you’re counting on a company to be there for your family many years in the future. For that reason, it’s important to choose a company you can trust. Here are some ways to compare companies and find the one that’s best for you.» MORE: Life insurance reviewsLook up the insurer’s financial strengthYou want a company that will be around decades from now, with enough money to pay claims. The financial strength rating of a life insurance company is one way to gauge whether an insurer is likely to meet that mark. You can check the financial strength rating of each term life insurance company you’re considering through a rating firm such as AM Best.NerdWallet typically recommends considering insurers with ratings of A- or higher. That said, any company with an AM Best rating of B+ or higher has a "good" ability to meet its obligations, according to AM Best’s website. Companies with ratings below that may not be quite as safe a bet and often have higher rates of complaints relative to their size.All of the largest life insurance companies have solid financial strength ratings.Research the insurer’s reputation for customer serviceYou want a company that provides good customer service, from the day you start shopping until it’s time for a claim. To get an idea of whether other customers have been satisfied, you can look up an insurer’s complaint index on the National Association of Insurance Commissioners website. The score is based on the number of complaints filed against the insurance company with state regulators, adjusted for the company’s market share (based on premiums written). The average score is one, so anything higher than one means the company received more complaints than expected for its size.Once you’ve narrowed down your list, it’s a good idea to compare life insurance quotes from more than one company. That way, you can get the best rate for the type of term life policy you're looking for.» MORE: Best life insurance companiesMore about term life insuranceLearn more about term life insurance, and find the right policy for your coverage needs.How to buy term life insuranceAdvantages of term life insuranceTerm life insurance definitionMore about top-rated life insurance companiesLooking for a different type of life insurance policy? Check out NerdWallet’s top picks across these categories:Best life insurance companies.Best whole life insurance companies. Best burial life insurance companies.Best life insurance for seniors.Best instant life insurance companies.Best no-medical exam life insurance.Best return-of-premium life insurance.Best life insurance for children.Best accidental death and dismemberment insurance.Cheapest life insurance companies.About the authorGeorgia RoseFollowYou’re following Georgia RoseVisit your My NerdWallet Settings page to see all the writers you're following.newFollow for more nerdy know-howKeep up with your favorite financial topics on NerdWallet.Georgia Rose is a lead writer for NerdWallet and oversees our content on shopping for life insurance. Her work has been featured in The New York Times, The Washington Post, The Independent and ABC News. Read moreOn a similar note...Term Life Insurance: What It Is and How It WorksHow to Buy Term Life Insurance in 20244 Advantages of Term Life InsuranceTerm Life Insurance DefinitionDive even deeper in InsuranceCompare Life Insurance Quotesby Georgia RoseRead moreLife Insurance Policies and Quotes for August 2024by Georgia RoseA life insurance policy pays out a sum of money to your beneficiaries after you die.Read moreHow Much Life Insurance Do I Need?by Georgia RoseYou need enough life insurance to cover your obligations after you’re gone. 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Crystal Kelly joins UK staff | WKU Sports | bgdailynews.com Skip to main content You have permission to edit this article. Edit Close Open user controls Log In Using Your Account Log In Don't have an account? Sign Up Today My Account Dashboard Profile Saved items Logout Home Subscribe Advertise Article Removal Policy Archives News Local News Tornado Resources State News My Glasgow News National For The Record Community Announcements Submit Announcement Way Back When in Warren County Photo Galleries Video Gallery Special Sections Special Reports Reviews Reel To Reel International Coronavirus Obituaries Sports Prep Sports Athlete Of The Week WKU Sports Hot Rods Community Sports Blogs Opinion Our Opinion Letters to the Editor Commentary Advice Classifieds Jobs Digital Access Print Subscriber Access e-Edition Subscribe Contact Best of BG Site search Search Subscribe Sign Up Log In Dashboard Logout My Account Dashboard Profile Saved items Logout Site search Search 73° Bowling Green, KY (42101) Today Partly cloudy. High 88F. Winds N at 10 to 15 mph.. Tonight A few passing clouds, otherwise generally clear. Low 69F. Winds NNW at 5 to 10 mph. Updated: August 8, 2024 @ 6:32 am Full Forecast Home Subscribe Advertise Article Removal Policy Archives News Local News Tornado Resources State News My Glasgow News National For The Record Community Announcements Submit Announcement Way Back When in Warren County Photo Galleries Video Gallery Special Sections Special Reports Reviews Reel To Reel International Coronavirus Obituaries Sports Prep Sports Athlete Of The Week WKU Sports Hot Rods Community Sports Blogs Hilltopper Focus Straight Outta Compton Next_level Opinion Our Opinion Letters to the Editor Commentary Advice Classifieds Jobs Digital Access Print Subscriber Access e-Edition Subscribe Contact Best of BG Share This Facebook Twitter WhatsApp SMS Email Home Sports WKU Sports Women’s college basketball Crystal Kelly joins UK staff By the Daily News Jun 30, 2023 Jun 30, 2023 Facebook Twitter WhatsApp SMS Email Click here to sign up to receive each day's headlines via email Former Lady Topper standout Crystal Kelly was named an assistant coach at Kentucky on Friday. Daily News file photo Facebook Twitter WhatsApp SMS Email Print Copy article link Save Facebook Twitter WhatsApp SMS Email Print Copy article link Save The University of Kentucky women’s basketball program has hired former Western Kentucky great Crystal Kelly as its new assistant coach, head coach Kyra Elzy announced on Friday.“It is with great anticipation that we announce the hiring of Crystal Kelly,” Elzy said in a news release. “She is the total package. She takes great pride in being a product of Kentucky, and she understands the responsibility that it holds. Crystal was a talented in-state basketball player, which will benefit our program in numerous ways, but she also has had proven success in her coaching career. I have a lot of confidence in Crystal, and her contagious energy, competitive spirit and winning pedigree checks all the boxes for our program.”Kelly comes to Lexington after serving two seasons as the associate head coach at Towson (2021-23). There, she helped Towson to back-to-back seasons of 20+ wins and two straight Women’s National Invitation Tournament appearances. “Returning to my home state to coach at the University of Kentucky is such a privilege and honor,” Kelly said in a news release. “Coaching alongside coach Elzy, who has mentored me for many years, is truly a full-circle moment. As I step into this new role, I’m eager to build relationships with the student-athletes, collaborate with the staff and immerse myself in the unwavering passion of Big Blue Nation.”The Louisville native and 2004 Miss Kentucky Basketball played for Sacred Heart Academy, helping the girls’ basketball team to three straight Kentucky High School Athletic Association state championships (2002, 2003, 2004). While in high school, she was named the 2004 Miss Kentucky Basketball, 2004 Associated Press Player of the Year and the 2003 and 2004 Kentucky Gatorade Player of the Year. She was also named an All-America by several outlets, among receiving other honors.Elzy has known about Kelly for more than 20 years, leading the effort to sign Kelly to the Western Kentucky women’s basketball class of 2004. Kelly went on to have a standout career at WKU (2004-08), so much so that the Hilltoppers retired her jersey (No. 42) in 2008. Kelly rewrote the record book during her college career, finishing with a school-record 2,803 points and 1,258 rebounds. Her scoring total also stood as a Sun Belt Conference record and made her the 12th leading scorer in NCAA Division I history at the time.She still owns the school record in more than a dozen categories. During her senior season at WKU (2007-08), she was named an All-American by the Associated Press, CBSSportsOnline.com and State Farm Coaches. She also earned Sun Belt Conference Player of the Year accolades that season after averaging 22.6 points, 10.5 rebounds and leading the nation with a school-record .644 field-goal percentage. Moreover, Kelly scored a school-record 42 points in her final home game against Louisiana-Monroe, which was the same day her jersey was retired into the rafters at E.A. Diddle Arena.Following her successful college career, Kelly was drafted in the third round, as the 31st overall pick, by the Houston Comets in the 2008 WNBA Draft. She played in the league for three seasons, in addition to playing professionally in Spain, Italy and Brazil.Kelly has an extensive coaching career, which includes a couple of stops close to home.Kelly spent four seasons as an assistant coach at Bellarmine from 2012-16. In her final season in 2015-16, the Knights went 24-4 and captured the first-ever Great Lakes Valley Conference Tournament title while earning the school’s first NCAA II Tournament berth since 2007-08. Bellarmine’s winning percentage (.857) also tied a program record that season.She then spent one season as an assistant coach at Tennessee Tech (2016-17) before spending two seasons as an assistant coach at Xavier (2017-19). While in Cincinnati, Kelly led the post players, a group that included A’riana Gray, who earned All-Big East Honorable Mention status in 2018-19. Gray led the Musketeers with 13.9 points per game and led the conference with 11.5 rebounds per game. She was the only Big East player to average a double-double on the season.Following that stretch, she returned to Tennessee Tech for an additional season (2019-20) and then to Bellarmine for an extra season (2020-21).While at Kentucky, Kelly will work primarily with the post players and will oversee recruiting.{&end} Facebook Twitter WhatsApp SMS Email Print Copy article link Save Tags Crystal Kelly Kentucky Uk Wku Kyra Elzy Sports Basketball Games And Toys Job Market Search Site search Search Follow Us Facebook Twitter Email Contact Us bgdailynews.com 813 College Street Bowling Green, KY 42101 Phone: 270-781-1700 About Us Contact Us Advertise Subscribe Submission Forms Archives 1902-present Telemarketing for the Daily News is provided by Impact Marketing. 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Best High-Yield Savings Accounts Of August 2024: Up To 5.30% APY – Forbes Advisor Select Region United States United Kingdom Germany India Australia Italy Canada Credit Cards Credit Cards Credit Cards Best Credit Cards Best Business Credit Cards Best Travel Credit Cards Best Cash Back Credit Cards Best Balance Transfer Credit Cards Best 0% APR Credit Cards Best Student Credit Cards Best No Annual Fee Credit Cards Credit Card Comparison Compare Credit Cards for Bad or No Credit Best First Credit Cards Best Secured Credit Cards Best Credit Cards For Bad Credit Best Credit Cards For No Credit Compare More Travel & Rewards Cards Best Rewards Credit Cards Best Airline Credit Cards Best No Foreign Transaction Fee Cards Best Credit Cards for International Travel Best Credit Card Sign-Up Bonuses Compare More Business Cards Best 0% APR Business Credit Cards Best Cash Back Business Credit Cards Best Business Credit Cards For Startups Best Business Credit Cards For Travel Credit Card Reviews Capital One Venture X Capital One Venture Rewards Wells Fargo Active Cash Chase Sapphire Preferred Chase Sapphire Reserve Chase Freedom Unlimited American Express Centurion Black Card American Express Platinum American Express Gold Discover it Student Cash Back Chase Ink Business Unlimited More Credit Card Reviews Credit Cards By Issuer Best Wells Fargo Credit Cards Best American Express Credit Cards Best Chase Credit Cards Best Capital One Credit Cards Best Discover Credit cards Credit Card Expert Tips & Guides Loans Loans Loans Personal Loans Best Personal Loans Personal Loan Rates Best Online Personal Loans Best Debt Consolidation Loans Easiest Personal Loans To Get Best Loans for Bad Credit Best Emergency Loans Best Emergency Loans For Bad Credit Personal Loans With No Credit Check Best Low-Interest Personal Loans Best Personal Loans For Fair Credit Best Joint Personal Loans Business Loans Best Business Loans Best Business Lines Of Credit Best Startup Business Loans Best Unsecured Business Loans Best Quick Business Loans Best Business Loans For Bad Credit How To Get a Business Loan How to Get a Startup Business Loan How To Get a Business Line of Credit Business Tax ID Number: How To Find EIN Student Loans Best Student Loans Best Student Loan Interest Rates Best Student Loan Refinance Lenders Best Low-Interest Student Loans Best International Student Loans Best Student Loans With No Cosigner Best Parent Loan For College Best Student Loans for Bad Credit Student Loan Forgiveness FAQs Auto Loans Auto Loan Rates Auto Loan Refinance Rates Auto Loan Refinance Lenders Mortgages Mortgages Mortgages Best Mortgage Lenders Best Mortgage Refinance Lenders Compare More Home Buying Lenders Best Online Mortgage Lenders Best Mortgage Lenders for First-Time Homebuyers Best VA Loan Lenders Best USDA Mortgage Lenders Best FHA Loan Lenders Today's Mortgage Rates Best Construction Loan Lenders Best Reverse Mortgage Companies Best Mortgage Lenders with No Down Payment Mortgage Rates Mortgage Interest Rates Forecast Current Mortgage Rates Today's Mortgage Refinance Rates Current Mortgage Refinance Rates Today’s VA Mortgage Rates Today’s VA Refinance Rates HELOC & Home Equity Loans Best HELOC Rates Best HELOC Lenders HELOC Calculator Best Home Equity Loan Rates Best Home Equity Loan Lenders Home Equity Loan Calculator Home Buying & Mortgage Calculators Mortgage Calculator by State Mortgage Refinance Calculator Mortgage Amortization Calculator Cash-Out Refinance Calculator How Much House Can I Afford? 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Pet Insurance Pre-Existing Conditions Health Insurance Best Health Insurance Companies Best Short-Term Health Insurance Best Disability Insurance Health Insurance for Small Business Best Dental Insurance Companies Best Vision Insurance Companies Business Insurance Best Small Business Insurance Best General Liability Insurance Commercial Auto Insurance Cyber Liability Insurance Business Interruption Insurance USA UK DE IN AU IT CA USA | Change Region Back to Forbes.com USA UK DE IN AU IT CA USA | Change Region You might be using an unsupported or outdated browser. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Advisor Banking Best High-Yield Savings Accounts Advertiser Disclosure Best High-Yield Savings Accounts Of August 2024 Taylor TepperForbes Advisor StaffTaylor Tepper is a senior writer at Forbes Advisor, focusing on saving and spending behavior. Prior to that he was an editor at USA TODAY Blueprint, and a writer at Wirecutter, Bankrate and Money Magazine. He has also been published in the New York T...See Full BioTaylor TepperForbes Advisor StaffTaylor Tepper is a senior writer at Forbes Advisor, focusing on saving and spending behavior. Prior to that he was an editor at USA TODAY Blueprint, and a writer at Wirecutter, Bankrate and Money Magazine. He has also been published in the New York T...See Full BioWritten ByTaylor Tepper Taylor TepperForbes Advisor StaffTaylor Tepper is a senior writer at Forbes Advisor, focusing on saving and spending behavior. Prior to that he was an editor at USA TODAY Blueprint, and a writer at Wirecutter, Bankrate and Money Magazine. He has also been published in the New York T...See Full BioTaylor TepperForbes Advisor StaffTaylor Tepper is a senior writer at Forbes Advisor, focusing on saving and spending behavior. Prior to that he was an editor at USA TODAY Blueprint, and a writer at Wirecutter, Bankrate and Money Magazine. He has also been published in the New York T...See Full BioForbes Advisor Staff Michael BenningerManaging EditorWith more than 15 years of experience crafting content about all aspects of personal finance, Michael Benninger knows how to identify smart moves for your money. His work has been published by Intuit, Insider and the Los Angeles Times, and he's been...See Full BioMichael BenningerManaging EditorWith more than 15 years of experience crafting content about all aspects of personal finance, Michael Benninger knows how to identify smart moves for your money. His work has been published by Intuit, Insider and the Los Angeles Times, and he's been...See Full BioReviewed By Michael Benninger Michael BenningerManaging EditorWith more than 15 years of experience crafting content about all aspects of personal finance, Michael Benninger knows how to identify smart moves for your money. His work has been published by Intuit, Insider and the Los Angeles Times, and he's been...See Full BioMichael BenningerManaging EditorWith more than 15 years of experience crafting content about all aspects of personal finance, Michael Benninger knows how to identify smart moves for your money. His work has been published by Intuit, Insider and the Los Angeles Times, and he's been...See Full BioManaging Editor Michael HershfieldBanking and Credit Card Debt ExpertMichael Hershfield is the founder and CEO of Accrue Savings, a company enabling leading retailers to create dedicated FDIC-insured wallets for their customers — driving acquisition, loyalty, and repeat purchasing. Inspired by how his Canadian upbring...See Full BioMichael HershfieldBanking and Credit Card Debt ExpertMichael Hershfield is the founder and CEO of Accrue Savings, a company enabling leading retailers to create dedicated FDIC-insured wallets for their customers — driving acquisition, loyalty, and repeat purchasing. Inspired by how his Canadian upbring...See Full BioMichael HershfieldMichael HershfieldBanking and Credit Card Debt ExpertMichael Hershfield is the founder and CEO of Accrue Savings, a company enabling leading retailers to create dedicated FDIC-insured wallets for their customers — driving acquisition, loyalty, and repeat purchasing. Inspired by how his Canadian upbring...See Full BioMichael HershfieldBanking and Credit Card Debt ExpertMichael Hershfield is the founder and CEO of Accrue Savings, a company enabling leading retailers to create dedicated FDIC-insured wallets for their customers — driving acquisition, loyalty, and repeat purchasing. Inspired by how his Canadian upbring...See Full BioExpert Reviewed|Banking and Credit Card Debt Expert & 2 othersUpdated: Aug 8, 2024, 5:59am Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations. The best high-yield savings account is the Capital One 360 Performance Savings Account, earning the top rating of 4.8 stars in our study. The account yields 4.25%, doesn’t charge a monthly maintenance fee and offers fee-free ATM withdrawals from more than 70,000 locations. Why you can trust Forbes Advisor Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. You can read more about our editorial guidelines and the banking methodology for the ratings below. 175 national banks and credit unions analyzed 287 high-yield savings accounts investigated 12 data points weighed and ranked Read More Show Summary Savings Account Promotions for 2024 Featured Offer Summary of Best High-Yield Savings Accounts of 2024 Best High-Yield Savings Accounts Of August 2024 Methodology How can I maximize my savings with a high-yield savings account? What’s Happening With Savings Interest Rates? All About High-Yield Savings Accounts Pros and Cons of High-Yield Savings Accounts How To Choose a High-Yield Savings Account Alternatives to High-Yield Savings Accounts Recap of Best High-Yield Savings Accounts of August 2024 Frequently Asked Questions (FAQs) Next Up In Savings Find The Best Accounts Best CD Rates Best Money Market Accounts Best Online Banks Best Checking Accounts Best Business Checking Accounts FEATURED PARTNER OFFER UFB Portfolio Savings Annual Percentage Yield Accurate as of 7/26/2024 Earn up to 5.15% APY* Minimum Deposit Requirement $0 Monthly Maintenance Fee $0 Learn More On UFB Direct's Website Accurate as of 7/26/2024 Earn up to 5.15% APY* $0 $0 Summary of Best High-Yield Savings Accounts of 2024 Account Company - Logo Annual Percentage Yield Best If You Minimum Deposit Requirement Learn More CTA text Learn more CTA below text LEARN MORE Capital One 360 Performance Savings Account 4.25% APY Want a Nationwide Bank with Branches $0 Learn More On Bankrate.com's Website UFB Portfolio Savings Up to 5.15% APY Want To Use Cash $0 Learn More On UFB Direct's Website Bask Interest Savings Account 5.10% APY Hate Hidden Fees $0 Learn More On Bask Bank's Website Member FDIC Quontic Bank High Yield Savings 4.50% APY Want To Fund Your Savings From Different Places $100 Learn More On Quontic Bank's Website LendingClub High-Yield Savings Account 5.00% APY Value Customer Service $100 Learn More On LendingClub's Website Laurel Road High Yield Savings® 5.15% APY Want a Checking Account Too $0 Learn More On Laurel Road's Website Member FDIC Varo Savings Account 3.00% to 5.00% APY Need Help Saving More $0 Learn More On Fiona.com's Website TAB Bank High Yield Savings 5.02% APY Don’t Have Much To Save $0 Learn More Read Our Full Review EverBank Performance℠ Savings 5.05% APY Receive Wire Transfers $0 Learn More Read Our Full Review BrioDirect High Yield Savings Account 5.30% APY Need a Place for Your Emergency Fund $5,000 Learn More Read Our Full Review Ivy Bank High-Yield Savings Account 5.30% APY Don’t Want Your Rate To Change $2,500 Learn More Read Our Full Review We compared 287 savings accounts at 175 nationally available banks and credit unions to find the best high-yield savings accounts available. Annual percentage yield (APY) was a main factor but not the only factor considered when building our list. All of the following institutions are FDIC-insured, and none of the accounts our experts recommend carry a monthly fee. See below to learn why we picked each account, including its pros and cons and to access individual bank reviews. APYs and account details are accurate as of August 1, 2024. Best If You: Want a Nationwide Bank with Branches Capital One 360 Performance Savings Account 4.8 Our ratings take into account a product's APYs, fees, minimums and other category-specific attributes. All ratings are determined solely by our editorial team. Annual Percentage Yield 4.25% Minimum Deposit Requirement $0 Monthly Maintenance Fee $0 Learn More On Bankrate.com's Website 4.25% $0 $0 Editor's Take We chose Capital One 360 Performance Savings for this list because it’s a saver’s delight, with no fees or minimums and yields that beat the national average by a wide margin. For online and mobile banking, the Capital One 360 Performance Savings account is one of the best. Why We Like It We like this account because all balances earn the same 4.25% APY. The Capital One app is great for tech gurus and newbies alike, as it allows for seamless account management, credit monitoring and savings automation. What We Don’t Like We don’t like that Capital One doesn’t have a large footprint of physical branches. However, the bank does offer cafes in select locations and provides digital banking. Who It’s Best For This account is a good fit for someone who prefers to bank in one place and might be interested in exploring other Capital One products. Pros & Cons No monthly fees No minimum deposit or balance requirements Mobile check deposit Limited number of physical locations Higher APYs available Details Interest is compounded and credited monthly for this account. Best If You: Want To Use Cash UFB Portfolio Savings 4.7 Our ratings take into account a product's APYs, fees, minimums and other category-specific attributes. All ratings are determined solely by our editorial team. Annual Percentage Yield Accurate as of 7/26/2024 Up to 5.15% Minimum Deposit Requirement $0 Monthly Maintenance Fee $0 Learn More On UFB Direct's Website Accurate as of 7/26/2024 Up to 5.15% $0 $0 Editor's Take We chose the UFB Portfolio Savings because account holders receive a complimentary ATM card for convenient cash withdrawals at more than 91,000 fee-free ATMs. Users can also deposit cash. Why We Like It We like the UFB Portfolio Savings because it offers a competitive APY and has no maintenance or service fees and no minimum deposit. UFB also offers 24/7 phone support. What We Don’t Like UFB doesn’t offer a checking account, so it’s not a suitable choice for an all-in-one bank. Who It’s Best For This account is best for those who want easy access to the cash in their savings account. It’s much more flexible than the average savings account because it includes an ATM card and has no limits or restrictions on the number of transfers you can make each month. Pros & Cons Includes an ATM card No monthly fees No minimum balance or deposit requirements Interest compounds daily No in-person branches Excess transaction fees Details UFB Direct accounts are offered through FDIC-member Axos Bank, and all deposits are insured up to the maximum limit of $250,000 per depositor. While this account technically has balance tiers, all balances currently earn the same rate. You earn up to 5.15% APY on all balance tiers with no activity or minimum requirements you have to meet to qualify. Interest is compounded daily and credited monthly. Most transactions are limited to six per statement period, and transactions in excess of this limit will incur a $10 excess withdrawal fee. Best If You: Hate Hidden Fees Bask Interest Savings Account 4.6 Our ratings take into account a product's APYs, fees, minimums and other category-specific attributes. All ratings are determined solely by our editorial team. Annual Percentage Yield APY as of March 28, 2024. APY is variable and subject to change after account opening. No monthly account fees or minimum deposit required. Must fund within 15 days of account opening. 5.10% Minimum Deposit Requirement $0 Monthly Maintenance Fee $0 Learn More On Bask Bank's WebsiteMember FDIC APY as of March 28, 2024. APY is variable and subject to change after account opening. No monthly account fees or minimum deposit required. Must fund within 15 days of account opening. 5.10% $0 $0 Editor's Take We chose the Bask Interest Savings Account because of its high APY and lack of hidden fees. It has no monthly fee, minimum deposit requirement or balance requirement. Why We Like It Aside from its attractive APY, we like the Bask Interest Savings Account because it has few fees. You won’t pay for overdrafts, incoming wire transfers, returned items or for closing your account early. What We Don’t Like Bask doesn’t offer a checking account, so you must have an account at a second institution to transfer or withdraw funds. Transfers to external banks can take three days, slowing down the time it takes to access your cash. Who It’s Best For Bask Interest Savings Account is a stand-out option all around, especially for those who prefer fee-free banking. Bask is an online bank that only offers savings accounts and CDs, so it’s ideal for people who don’t mind keeping funds with multiple institutions to find the best products. Pros & Cons No monthly maintenance fee or hidden fees No minimum deposit or balance requirements No balance caps on highest APY Interest compounds daily No live chat support No in-person branches Details Bask Bank is part of Texas Capital Bank. This savings account charges fees for outgoing wire transfers. Though you can’t walk into a branch as this is an online-only bank, Bask Bank customers have access to both email and phone support. Interest compounds daily and is credited monthly on the last day of each statement cycle. Customers earn 5.10% APY with no minimums or activity requirements. Customers need to make a deposit within 15 days of account opening to avoid closure. Best If You: Value Customer Service Quontic Bank High Yield Savings 4.6 Our ratings take into account a product's APYs, fees, minimums and other category-specific attributes. All ratings are determined solely by our editorial team. Annual Percentage Yield 4.50% Minimum Deposit Requirement $100 Monthly Maintenance Fee $0 Learn More On Quontic Bank's Website 4.50% $100 $0 Editor's Take We picked the Quontic Bank High Yield Savings account because it’s an all-around solid offering from an online bank known for customer service and minimal fees. Notably, the bank offers checking accounts, savings accounts, money market accounts and CDs. Why We Like It We like that Quontic Bank is a full-service bank with a good reputation. With an A+ grade from the Better Business Bureau and a high customer satisfaction score on Trustpilot, Quontic provides a positive banking experience. It also offers more ways to get in touch with customer support than the average bank, including text and chat support. What We Don’t Like Quontic offers only a few account funding options, and all of them are digital. We don’t like that there is no way to mail a check or deposit cash. Who It’s Best For This account is best for people who value high-quality customer service that’s easy to reach and who don’t mind banking with an online-only institution. Quontic offers competitive rates on all of its interest-bearing accounts, low minimums and few fees. Pros & Cons No monthly maintenance fee Low minimum balance to earn interest No balance caps on highest APY Interest compounds daily Live chat support No in-person branches Limited account funding options Details Interest is compounded daily and credited monthly. Accounts can be funded by bank transfers, ACH transfer or using Plaid bank account verification. Fees apply for dormant accounts, stop payments, outgoing wire transfers and returned items but are not charged for excess transactions or overdrafts. Quontic Bank is a member of the FDIC, and all deposits are insured up to the maximum limit of $250,000 per depositor. Best If You: Want To Fund Your Savings From Different Places LendingClub High-Yield Savings Account 4.6 Our ratings take into account a product's APYs, fees, minimums and other category-specific attributes. All ratings are determined solely by our editorial team. Annual Percentage Yield 5.00% Minimum Deposit Requirement $100 Monthly Maintenance Fee $0 Learn More On LendingClub's Website 5.00% $100 $0 Editor's Take We picked the LendingClub High-Yield Savings account because it offers a variety of funding options, including cash deposits at participating MoneyPass ATMs, bank transfers, wire transfers and more. Why We Like It We like that LendingClub gives you more choices than most banks for funding your savings account. It also stands out for offering live chat customer support and a free ATM card. What We Don’t Like Watch out for hidden fees with this bank. LendingClub charges high fees for inactivity, wire transfers and stop payments. Who It’s Best For LendingClub High-Yield Savings is one of the best options for deposit flexibility, making it ideal for people with different sources of income. It would also make a good joint account for this reason. Pros & Cons No monthly maintenance fee Low minimum balance to earn interest No balance caps on highest APY Interest compounds daily Live chat support No in-person branches Details Fees apply for inactivity, stop payments, wire transfers and more. Interest is compounded daily and credited monthly on the last business day of each statement cycle. You can fund the account via ACH transfer, mobile deposit, wire transfer, direct deposit or cash deposit. You will not be charged a fee for using MoneyPass ATMs to deposit or withdraw cash. LendingClub Bank is a member of the FDIC, and all deposits are insured up to the maximum limit of $250,000 per depositor. Best If You: Want a Checking Account Too Laurel Road High Yield Savings® 4.5 Our ratings take into account a product's APYs, fees, minimums and other category-specific attributes. All ratings are determined solely by our editorial team. Annual Percentage Yield 5.15% Minimum Deposit Requirement $0 Monthly Maintenance Fee $0 Learn More On Laurel Road's WebsiteMember FDIC 5.15% $0 $0 Editor's Take We picked the Laurel Road High Yield Savings account because it’s a competitive savings account with no fees or minimums, but we also picked it because the bank offers equally enticing checking accounts. Why We Like It Laurel Road has three attractive checking account options, including rewards checking, in addition to its high-rate savings account. If you’re looking to bank in one place, this is a solid digital option. What We Don’t Like We don’t like that Laurel Road’s high-yield savings account charges fees for account-to-account transfers. Other leading savings accounts don’t charge this fee. Who It’s Best For If you’re looking to do your everyday banking and saving together, Laurel Road is a worthy option. Laurel Road High Yield Savings is a basic account with an above-average rate, and we especially recommend it for people also in the market for a new checking account. Pros & Cons No monthly maintenance fee Low minimum balance to earn interest No balance caps on highest APY Interest compounds daily Live chat support No in-person branches Details Deposits are insured through FDIC-member KeyBank up to the maximum limit of $250,000 per depositor. Accounts can be funded via bank transfer, domestic wire transfer, direct deposit or mailed or mobile check deposit. Fees apply for overdrafts, stop payments, certain bank transfers and wire transfers but are not charged for excessive transactions or account closure. Monthly withdrawals and transfers are limited to seven per month. Interest is compounded daily and credited monthly. Best If You: Need Help Saving More Varo Savings Account 4.5 Our ratings take into account a product's APYs, fees, minimums and other category-specific attributes. All ratings are determined solely by our editorial team. Annual Percentage Yield 3.00% to 5.00% Minimum Deposit Requirement $0 Monthly Maintenance Fee $0 Learn More On Fiona.com's Website 3.00% to 5.00% $0 $0 Editor's Take We picked the Varo Savings Account because it has no service fees, offers the potential for a high APY and makes saving easier with tools to automate transfers. Why We Like It We like this unique savings account because it gives you the option to round up your debit card transactions to the nearest dollar and save your spare change automatically. What We Don’t Like We don’t like that this account only gives you its highest rate on your first $5,000 and pays 3.00% APY on balances above this. We also don’t like that you have to receive direct deposits every month to qualify for 5.00% APY. Who It’s Best For A Varo savings account is best for new savers and those with less cash to put away because it can help you make a habit of saving. It also encourages you to save with strict requirements to qualify for the highest rate, which may be helpful for reluctant savers. Pros & Cons 5.00% APY on balances up to $5,000 Automatic savings tools No fees or minimum balance requirements 5.00% APY only applies to first $5,000 in your account Must open Varo checking account first No 24/7 customer service Details Interest on the Varo Savings Account is compounded daily and credited monthly. To earn 5.00% APY, customers must receive total direct deposits of $1,000 or more within each qualifying period and have a positive balance in both savings and bank accounts at the end of the calendar month. All balances above $5,000 earn an APY of 3.00% Best If You: Don’t Have Much To Save TAB Bank High Yield Savings 4.5 Our ratings take into account a product's APYs, fees, minimums and other category-specific attributes. All ratings are determined solely by our editorial team. Annual Percentage Yield 5.02% Minimum Deposit Requirement $0 Monthly Maintenance Fee $0 Learn More Read Our Full Review 5.02% $0 $0 Editor's Take We picked the TAB Bank High Yield Savings account because it’s one of the best options for earning a high yield with no minimum deposit requirement to worry about. Whether you have a few dollars to save or a few thousand, you’ll qualify for the highest rate TAB has to offer. Why We Like It We like that TAB Bank has checking accounts, money market accounts and CDs in addition to its high-yield savings account. This can make moving money more convenient, and the bank doesn’t charge many fees on any of its products. What We Don’t Like We don’t like that this bank does not offer live chat customer support, especially because its website lacks FAQs and makes finding answers difficult. Who It’s Best For TAB Bank’s savings account is best for individuals who are just starting to save. With the ability to open an account without depositing funds, along with highly rated mobile apps and customer service, TAB is ideal for beginners looking for a hassle-free bank to grow with. Pros & Cons No monthly maintenance fee No minimum balance to earn interest No minimum opening deposit No balance caps on highest APY No in-person branches No live chat support Details Interest is compounded daily and credited monthly. Fees apply for outgoing wire transfers, stop payments and cashier’s checks. Transfers or withdrawals in excess of six per month will be declined. TAB Bank is a member of the FDIC, and all deposits are insured up to the maximum limit of $250,000 per depositor. You can fund the account with an ACH transfer, wire transfer or mailed check deposit. A balance of $0.01 is required to earn interest. Best If You: Receive Wire Transfers EverBank Performance℠ Savings 4.5 Our ratings take into account a product's APYs, fees, minimums and other category-specific attributes. All ratings are determined solely by our editorial team. Annual Percentage Yield 5.05% Minimum Deposit Requirement $0 Monthly Maintenance Fee $0 Learn More Read Our Full Review 5.05% $0 $0 Editor's Take We picked EverBank’s Performance Savings account because it charges few fees overall, including no fee for incoming wire transfers (domestic and international). The account has no deposit or balance requirements. Why We Like It We like this account because it has no fees for incoming wire transfers, stop payments, returned items, non-sufficient funds or account closure. It’s rare to find an account with none of these. What We Don’t Like We don’t like that the Performance Savings account from EverBank lacks the “Yield Pledge” guarantee attached to other EverBank accounts. This guarantee promises that an account’s rate, though variable, will remain competitive with the top 5% of accounts. Who It’s Best For The EverBank Performance Savings account is a smart choice for anyone who wants to avoid banking fees, especially service fees for different types of transfers. It’s also one of few banks on this list with in-person branch locations. Pros & Cons No monthly maintenance fee No minimum balance or deposit requirements No balance caps on highest APY Interest compounds daily Branch banking locations in Florida No live chat support Details EverBank is a member of the FDIC, and all deposits are insured up to the maximum limit of $250,000 per depositor. Interest is compounded daily and credited monthly. There are no fees for incoming wire transfers, stop payments, returned items, non-sufficient funds or account closure, but fees apply for other outgoing wire transfers. Accounts can be funded by mobile check deposit, ACH transfer, direct deposit, wire transfer and mailed or in-person check or cash deposit. Best If You: Need a Place for Your Emergency Fund BrioDirect High Yield Savings Account 4.4 Our ratings take into account a product's APYs, fees, minimums and other category-specific attributes. All ratings are determined solely by our editorial team. Annual Percentage Yield 5.30% Minimum Deposit Requirement $5,000 Monthly Maintenance Fee $0 Learn More Read Our Full Review 5.30% $5,000 $0 Editor's Take We chose the BrioDirect High-Yield Savings Account because it pays a highly competitive rate on any balance over $25, making it well-suited to emergency funds and cash reserves for large purchases. Why We Like It We like that this account offers a high rate without imposing activity requirements to earn it. We also appreciate that there are no balance caps on the amount that can earn the advertised APY. BrioDirect doesn’t charge any monthly fees for this account, and interest compounds daily, so you’ll keep all of your earnings—and have more of them. What We Don’t Like We don’t like that this account requires a minimum opening deposit of $5,000. This is steep for any savings account, but especially for an online one. Who It’s Best For BrioDirect High-Yield Savings is best for people who already have several thousand dollars saved and don’t plan to access this money often. BrioDirect only offers a savings account and CDs, so it isn’t right for anyone who wants to keep all of their bank accounts with one institution. Pros & Cons No monthly maintenance fee Low minimum balance to earn interest No balance caps to earn the highest APY Interest compounds daily High minimum opening deposit Excess transaction fees No in-person branches No live chat support Details To fund your account, you can deposit money with a check, ACH transfer or wire transfer. You must deposit at least $5,000 to open the account, and you’re required to maintain a balance of $25 to earn the stated APY. Interest compounds daily and is credited each statement cycle. Deposits are insured through FDIC-member Webster Bank up to the maximum limit of $250,000 per depositor. Fees apply for wire transfers, stop payments, insufficient funds and early account closure. BrioDirect also charges a $10 excess transaction fee that applies when you withdraw funds more than six times during a statement cycle. Best If You: Don’t Want Your Rate To Change Ivy Bank High-Yield Savings Account 4.4 Our ratings take into account a product's APYs, fees, minimums and other category-specific attributes. All ratings are determined solely by our editorial team. Annual Percentage Yield 5.30% Minimum Deposit Requirement $2,500 Monthly Maintenance Fee $0 Learn More Read Our Full Review 5.30% $2,500 $0 Editor's Take We chose Ivy Bank’s High-Yield Savings account because it offers one of the highest interest rates currently available, and its rate is locked through September 30, 2024. Why We Like It Savings accounts typically earn variable rates that can change at any time, and we like that this one is guaranteed to be competitive. We also like that though Ivy Bank doesn’t have a checking account, its Money Management platform lets you sync and see your activity for all of your accounts. This free tool includes budgeting, spend-tracking, debt payoff and net worth features. What We Don’t Like We don’t like that Ivy Bank only offers two funding options for making your initial deposit: ACH transfer or Plaid authentication. We also don’t like that the account requires a minimum balance of $2,500 to earn the highest-stated APY. Who It’s Best For This high-yield savings account from Ivy Bank is best for anyone willing to set aside at least $2,500 to earn as much interest on their savings as possible. Pros & Cons No monthly maintenance fee No balance caps on highest APY Interest compounds daily Live chat support High minimum opening deposit and balance to earn interest No in-person branches Limited account funding options Details Interest compounds daily and is credited monthly. Fees apply for outgoing wire transfers, stop payments and insufficient funds. You must have a balance of at least $10 to earn any interest with this account. Balances from $10 to $2,499.99 earn 0.05% APY, while balances greater than $2,500 earn 5.30% APY. The current APY is guaranteed through September 30, 2024, for new accounts. Transfers or withdrawals in excess of six per month will be declined. Deposits are insured through FDIC-member Cambridge Savings Bank up to the maximum limit of $250,000 per depositor. Methodology What do people want in a high-yield savings account? In a phrase … high yields. There’s little point in signing up for a savings account if the yield isn’t among the very best on the market, which is why we gave it to the largest weighting (65%) in our methodology. To be considered one of the best, you need to clear this important bar. Still, you can’t base your decision solely on yields. The typical consumer would accept a slightly lower yield if it meant signing up with a better overall account. That’s why we assigned a 10% weight to fees and digital experience. The case for fees is pretty self-evident; what good is a high yield if it’s accompanied by a series of costs that nickel-and-dime your return? As for digital experience, it’s important to remember that most people interact with their banks online. We gave better scores to banks that offered a well-regarded app experience (on both iOS and Google Play) and a robust website. Customer service is likewise an important factor to consider, which is why we gave it a 7% weighting. We considered how well a particular bank scored with the Better Business Bureau and Trustpilot. We also looked at whether a bank offers live chat so that you can contact your bank quickly without having to wait on hold. Lastly, we assigned a 3% weight each to the account’s accessibility, minimum deposit requirement and minimum balance requirement. Our aim is to highlight banks anyone across the country can use, but we don’t showcase accounts that impose high balance minimums to either open or maintain an account. Minimum deposit requirements of $10,000 or higher affected scores negatively, as did high minimum balance requirements to avoid fees. We crafted this list of best high-yield savings accounts by analyzing 287 savings accounts from 175 financial institutions, including a mix of traditional brick-and-mortar banks, online banks and credit unions. To learn more about our rating and review methodology and editorial process, check out our guide on How Forbes Advisor Reviews Banks. How can I maximize my savings with a high-yield savings account? High-yield savings accounts allow you to earn among the highest possible yields and access your cash at any time. To maximize your return, though, you’ll need to employ a few strategies. 1. Follow the Market If you want to earn the best possible yield, you need to stay nimble. The rates you earn are influenced by the short-term rate, known as the federal funds rate, which is set by the Federal Reserve. Moreover, banks tend to offer lucrative options in order to attract more deposits. “Rates fluctuate regularly, so it’s crucial to set regular calendar reminders, watch the Fed rate and monitor these investments to ensure your money is always working for you in the best possible way,” said Tim Nargassans, financial services executive and data/AI expert. 2. Save for a Purpose It’s much easier to save with a goal in mind—such as a kitchen remodel—than saving for the sake of saving. To that end, you can open a series of high-yield savings accounts, each with its own purpose. The closer you get to meeting your savings goal in each account, the more likely you’ll be to keep going. “Putting away money in multiple high-yield savings accounts associated with specific goals helps you hit your targets faster,” said Michelle Winterfield, co-founder and CEO of Tandem, a financial app for couples. “Not only are you isolating your savings into buckets, but you’re earning sizable interest while the money sits there.” 3. Embrace Restrictions Many savings accounts, though not all, limit the number of withdrawals you can make in a month without paying a fee. This can feel like a burden to some, but it can be a necessary limitation for those who struggle to stay within a budget. “Since high-yield savings accounts frequently impose limitations on withdrawals, [they] introduce a gentle hurdle, prompting you to pause and consider the purpose behind accessing your savings,” said Megan McCoy, an accredited financial counselor (AFC®) and assistant professor at Kansas State University’s Department of Personal Financial Planning. “This safeguard encourages thoughtful deliberation before tapping into funds you should be setting aside for future goals.” What’s Happening With Savings Interest Rates? Savings interest rates plateaued in 2024 after going gangbusters in the previous few years. This plateau can be traced back to the Federal Reserve’s decision to increase the federal funds rate from near zero in the Spring of 2022 to a target range of 5.25% to 5.50% in an effort to stymie skyhigh inflation. While you can still find excellent yields, such as the ones we picked as our best, the era of ever-higher rates is over. How High Will Savings Interest Rates Go in 2024? How high savings interest rates will go is probably the wrong question; you’re better off asking, “How low might they fall?” That’s because the Federal Reserve is likely done raising interest rates. Inflation has slowed down since the last time it raised borrowing costs (July 2023), and the economy is showing signs of strain. The unemployment rate, for instance, climbed by half a percentage point in the 12 months following the last rate hike signaling a weakening labor market, while the credit card delinquency rate has risen. That combination–slowing inflation and a weakening economy–is why the Fed is likely to cut interest rates in September. Whenever the Fed lowers interest rates, you can expect average savings account rates to fall as well. See today’s savings rates to learn what APYs institutions are offering in this interest rate environment. Pro Tip When comparing high-yield savings account rates, check if you need to keep a specific amount of money in the account to earn the advertised APY. Sometimes, banks will offer a high rate to attract customers, but that rate may only apply to those with a specific account balance. All About High-Yield Savings Accounts Pros and Cons of High-Yield Savings Accounts How To Choose a High-Yield Savings Account Alternatives to High-Yield Savings Accounts Recap of Best High-Yield Savings Accounts of August 2024 Frequently Asked Questions (FAQs) Pros and Cons of High-Yield Savings Accounts PROS CONS Higher interest rates than traditional savings accounts Accounts with online banks and fintechs often don’t offer in-person branches Often have low or no service fees May not allow cash deposits Deposits are protected by the FDIC or NCUA for accounts opened with insured institutions Often have monthly transaction limits See More See Less How To Choose a High-Yield Savings Account Your search for a new high-yield savings account should mirror our methodology: yields should factor in most prominently, while fees and the digital experience should follow. Step 1: Look for the best interest rates. The interest rate on a savings account determines how much your money grows, so it’s important to earn a competitive yield. Before doing anything else, compare the highest rates. Step 2: Look into fees. While many high-yield savings accounts have no monthly maintenance fees, most charge fees for other activities and services. Check out an account’s fee schedule on its website. Step 3: Pay attention to digital features. Strong mobile apps, user-friendly online banking platforms and built-in budgeting and savings tools such as savings buckets and auto-save options can make your life easier. Step 4: Learn about customer satisfaction. Read customer reviews on rating platforms and app stores to learn about a bank or account’s strengths and weaknesses from real users. It’s also a good idea to look for formal complaints about an institution. Step 5: Check minimums. You can open and maintain many savings accounts with $0, but some have minimum deposit and balance requirements you must meet to open or earn interest. If an account has minimum requirements, make sure they work for your savings plans. By selecting an account with competitive rates and favorable terms, you can ensure that your savings are effectively managed for long-term financial security. –  Michael Hershfield, Founder and CEO of Accrue Savings When Is It Time For A New Savings Account? No one wants to spend more time than absolutely necessary figuring out their banking needs. Still, every so often it pays to consider switching banks, at least when it comes to your savings. Here are three times when it makes sense to open a new account: Your rate is really low. Some folks haven’t looked at the rate offered by their savings account since the Fed began raising interest rates. Take a look at yours, and see if it’s close to our best picks. If not, opt for one of them. You want to focus your savings. As mentioned above, opening a savings account for a specific purpose (a kitchen redo) can help you discipline your spending so that you meet your savings goals. You’re getting nailed by fees. Many savings accounts, including our winners, offer high yields and low fees. If you’re getting nickel-and-dimed (check your monthly statement to see), close your account and move your business elsewhere. Can You Trust a Bank You’ve Never Heard Of? Savers looking for the best savings accounts should follow two principles: Don’t be turned off by a bank with a high yield just because you’ve never heard of their name before, but do your due diligence before signing up for an account. Many online-only banks are divisions or subsidiaries of larger institutions, often traditional banks. Other online banks operate independently. In both cases, they are generally legitimate institutions. Financial technology (fintech) companies, issue accounts through parent institutions but are not banks themselves. If you’ve never heard of a company, find out if it’s a bank or if it’s controlled by or partnered with a bank. The majority of institutions and platforms that provide banking products offer federal deposit insurance. Most banks are FDIC-insured, and most credit unions are NCUA-insured, up to a standard limit of $250,000 per depositor. You can’t lose deposits in accounts issued by insured institutions up to coverage limits, but know that partnered banks typically share coverage. If you’re ever unsure whether an institution is insured, use the FDIC’s BankFind Suite or NCUA’s Research a Credit Union tool to find active FDIC certificates and NCUA charters. For an even more complete picture of how safe a bank or company is, look into its digital security features, past customer complaints or lawsuits and reports of identity theft and fraud. Alternatives to High-Yield Savings Accounts If a high-yield savings account (HYSA) doesn’t seem like a good fit for your money, consider the following alternatives: Money market accounts (MMAs) Certificates of deposit (CDs) Cash management accounts (CMAs) See how these savings products compare.   HYSAs MMAs CDs CMAs Minimums Many require $0 to open and earn interest, but there are exceptions Deposit requirements may range from $0 to $5,000 or more Typically require at least $500 or $1,000 to open Many accounts require $0 to open and earn interest, but some may require more Fees Often have no monthly fees, but may have other service fees May have monthly feesMay have other service fees Often have no monthly feesTypically have early withdrawal penalty fees Often have no monthly feesMay have other service fees Withdrawal restrictions Often limited to six per month Often limited to six per month Penalty fees apply for early withdrawals No restrictions on monthly withdrawals Spending options Typically none, but some banks offer checks, debit cards or ATM cards Typically include checks and may also come with a debit or ATM card None Typically include checks, debit cards or ATM cards See More See Less Recap of Best High-Yield Savings Accounts of August 2024 Capital One 360 Performance Savings Account: 4.25% APY UFB Portfolio Savings: Up to 5.15% APY Bask Interest Savings Account: 5.10% APY Quontic Bank High Yield Savings: 4.50% APY LendingClub High-Yield Savings Account: 5.00% APY Laurel Road High Yield Savings®: 5.15% APY Varo Savings Account: 3.00% to 5.00% APY TAB Bank High Yield Savings: 5.02% APY EverBank Performance℠ Savings: 5.05% APY BrioDirect High Yield Savings Account: 5.30% APY Ivy Bank High-Yield Savings Account: 5.30% APY Frequently Asked Questions (FAQs) Are high-yield savings accounts safe? Yes, high-yield savings accounts are safe because they typically include insurance and security features. The FDIC and NCUA protect deposits at insured institutions so customers don’t lose their money in the event of failure, with a standard coverage limit of $250,000 per depositor. Financial institutions commonly take several other measures to protect users’ personal and financial information. Multifactor authentication, fraud monitoring, data encryption and confidential storage methods are widely used safeguards that keep data secure against cyber attacks and threats. You should also take your own steps to protect your banking information, such as using strong passwords and monitoring your accounts for suspicious activity. How do I open a high-yield account online? You can typically complete a digital application to open a high-yield savings account online by following these five steps. Step 1: Create an account. Enter your email address and create a password, or log in if you’re a customer. Step 2: Provide personal and contact information. This typically includes your full name, mailing address and phone number. Step 3: Verify your identity. Give your Social Security number and date of birth, then provide a government-issued photo ID. Step 4: Submit your application. Both parties will provide the above details to open a joint account. Step 5: Make your opening deposit. Once approved, you can link another bank account as a funding source, send a check or cash or schedule a wire transfer or direct deposit to make a deposit. Funding options vary by account and institution. How do you calculate interest on a high-yield savings account? To calculate interest on a high-yield savings account, you’ll need to calculate compound interest or interest earned on interest. The easiest way to do this is with a compound interest calculator. This uses a formula that factors in an account’s balance, amount of time interest is compounded, earning rate, compounding frequency and ongoing deposits. Savings accounts often make monthly interest payments. How many high-yield savings accounts can I open? You can have as many savings accounts as you want, but you might not be allowed to open multiple accounts of the same type with one bank. Keeping savings accounts with different institutions can be a good strategy for taking advantage of the best rates and features anyway, but always be mindful of insurance coverage limits, fees and minimum balance requirements. Next Up In Savings Best 5% Interest Savings Accounts 7% Interest Savings Accounts: Where To Find Them Best Savings Accounts With Debit Cards Best Free Savings Accounts Best Business Savings Accounts Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results. Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners. Taylor Tepper Forbes Advisor Staff Taylor Tepper is a senior writer at Forbes Advisor, focusing on saving and spending behavior. Prior to that he was an editor at USA TODAY Blueprint, and a writer at Wirecutter, Bankrate and Money Magazine. He has also been published in the New York Times, NPR, Bloomberg and the Tampa Bay Times. His work has been recognized by his peers, winning a Loeb, Deadline Club and SABEW award. He has completed the education requirement from the University of Texas to qualify for a Certified Financial Planner certification, and earned an M.A. from the Craig Newmark Graduate School of Journalism at the City University of New York where he focused on business reporting and was awarded the Frederic Wiegold Prize for Business Journalism. He earned his undergraduate degree from New York University, and married his college sweetheart with whom he raises three kids in Dripping Springs, TX. Michael Benninger Managing Editor With more than 15 years of experience crafting content about all aspects of personal finance, Michael Benninger knows how to identify smart moves for your money. His work has been published by Intuit, Insider and the Los Angeles Times, and he's been quoted by The Street and Yahoo Finance among other news outlets. Prior to his role at Forbes Advisor, Michael worked as a banking writer for Finder.com, where he authored in-depth reviews of hundreds of banking products. Michael Hershfield Banking and Credit Card Debt Expert Michael Hershfield is the founder and CEO of Accrue Savings, a company enabling leading retailers to create dedicated FDIC-insured wallets for their customers — driving acquisition, loyalty, and repeat purchasing. Inspired by how his Canadian upbringing focused on savings, Michael noticed that no one was really helping people save. With Accrue, he is addressing a critical gap in the shopping experience by providing a payment alternative that rewards consumers for saving.   Accrue Savings has received nearly $40 million in funding from some of the biggest names in venture and commerce – including Tiger Global; Box Group; Aglaé Ventures (a tech investment firm backed by Groupe Arnault); UPS CEO Carol Tomé and Fanatics CEO Michael Rubin; Twelve Below; Red Sea Ventures; and more.   Prior to Accrue, Michael was an SVP of sales at WeWork for more than three years, and was a COO of Nucleus, a smart intercom that allowed people to have instant, rich conversation with the people they cared about the most. He has years of experience as a go-to-market leader and serial entrepreneur, with a focus on operations, sales and marketing. Was this article helpful? 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Life insurance resources Learn more about life insurance Explore all insurance resources Arrow Right Bankrate SearchClose X Submit Search The impact of natural disasters on insurance rates in 2024 Homeowners Insurance Advertiser Disclosure SHARE: Share this article on Facebook Facebook Share this article on Twitter Twitter Share this article on LinkedIn LinkedIn Share this article via email Email On This Page 2024 Natural disaster-related data and statistics Billion-dollar disasters How natural disasters impact your home insurance rate Does homeowners insurance cover natural disasters? Drastic rating and policy changes in response to extreme weather Highest-risk areas for natural disasters States that are most impacted by flood costs States that are most impacted by wildfire damage costs Frequently asked questions f00sion/Getty Images 1 min read Published June 28, 2024 Written by Shannon Martin Shannon Martin Writer, Insurance Ribbon Expertise • Auto insurance • Homeowners insurance Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently. Read more Connect with Shannon Martin on LinkedIn LinkedIn Close Shannon Martin Edited by Mariah Posey Mariah Posey Editor, Insurance Ribbon Expertise • Property & casualty insurance • Rate analysis Calendar 3 Years of experience Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions. Read more Connect with Mariah Posey on Twitter Twitter Connect with Mariah Posey on LinkedIn LinkedIn Get in contact with Mariah Posey via Email Email Close Mariah Posey Bankrate logo The Bankrate promise Info More info At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity , this post may contain references to products from our partners. Here's an explanation of how we make money . Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure . Homeowners across the U.S. are left footing the bill for damage caused by natural disasters, which are reaching unprecedented levels of financial toll. The NOAA National Centers for Environmental Information (NCEI) recorded 28 separate billion-dollar disasters in 2023, and as of June 2024, there have already been 11. As Americans living along the Gulf of Mexico and the East Coast brace for the most active hurricane season ever predicted, insurance companies are making sweeping changes to policy coverage and premiums. It is more important now than ever to understand how your home insurance covers natural disasters and what steps to take to cover the gaps. Key takeaways The main natural disasters impacting the cost of homeowners insurance are tropical cyclones, wildfires, tornadoes, flooding, earthquakes and severe storms. Experts predict that the frequency of extreme weather will cause home insurance costs to continue to rise in 2024 and in future years. Typically, standard homeowners insurance policies exclude damage from earthquakes, floods, mudflows, landslides and tsunamis. Population growth in severe weather-prone areas and a lack of adequate building codes increase the cost of natural disasters. 2024 Natural disaster-related data and statistics The average cost of homeowners insurance in the U.S. is $2,230 per year for $300,000 in dwelling coverage as of June 2024. Home insurance premiums vary across the nation and one of the most substantial rating factors determining the cost of insurance is location. Homeowners in high-risk areas may pay more than homeowners in areas at a lower risk from natural disasters, even within the same state. However, other factors impact insurance rates, such as the age and condition of your home, so what you pay could vary dramatically from the average in your area. The chart below highlights the average cost of home insurance in several states prone to natural disasters, as well as the average cost of home insurance in high-risk cities within those states. State Average annual premium City at high risk of disaster loss Average annual premium Potential natural disaster California $1,453 Lake Arrowhead $1,910 Earthquakes, wildfires and flooding Florida $5,533 Miami $10,473 Hurricanes and flooding Georgia $1,945 Atlanta $1,884 Hurricanes and flooding Illinois $2,189 Chicago $2,702 Severe storms and flooding Louisiana $4,274 Metairie $6,031 Hurricanes, tornadoes and flooding Mississippi $2,820 Gulfport $5,433 Severe storms and hurricanes North Carolina $2,495 Greenville $2,759 Severe storms, hail and tornadoes Oklahoma $4,700 Oklahoma City $5,476 Tornadoes, wildfires, ice storms and flooding Pennsylvania $1,149 Philadelphia $1,662 Severe storms, tornadoes and flooding Tennessee $2,410 Arlington $2,880 Severe storms and tornadoes Texas $3,726 Houston $4,973 Fires, tornadoes, flooding and hurricanes *Premiums shown are for $300,000 in dwelling coverage. Billion-dollar disasters The NCEI divided the most significant natural disasters into 10 categories in its Billion-Dollar Weather and Climate Disasters report. Since 1980, there have been 387 disasters across the nation costing more than $1 billion each. In fact, there isn’t one state that has not been impacted by a billion-dollar weather event. Surprisingly, Hawaii has only had two, and this includes the Lahaina wildfires of 2023. Alaska follows Hawaii as having the next-lowest number of billion-dollar disasters, with eight, and Missouri has 11. The chart below highlights four of the most common natural disasters in the U.S., which encompass losses from hurricanes and tornadoes. Tropical cyclones, which produce strong winds and heavy rainfall, occur the most often and cause the most damage. Event type Total number of events Total cost Average cost per year Average deaths per year Flood 44 $200.2B $4.6B 17 Severe storm 186 $463.2B $10.5B 48 Tropical cyclone 62 $1,411.2B $32.1B 157 Wildfire 22 $145.7B $3.3B 12 *Source: NCEI *Costs are CPI-adjusted Droughts: the forgotten natural disaster With extreme heat becoming more common, droughts are happening more often and lasting longer. For instance, residents in Fallon, Nevada, have experienced several prolonged drought events amounting to an average duration of 184.5 weeks. Data from the National Integrated Drought Information System showed that in early June 2024, 36.9 percent of the U.S. was experiencing a moderate drought while 8.1 percent of the country was battling droughts categorized as exceptional — the highest drought rating reserved for water emergencies and widespread crop and pasture losses. It is important for homeowners to consider the effects of extreme heat and droughts, as they can be very damaging to homes and are not covered by homeowners insurance. Droughts cause the earth beneath your home to dry out and shrink, leading to potential issues with your foundation. An uneven foundation can lead to foundation cracks and leaks, cracks in your interior or exterior walls, misalignment of doors and windows and more — all of which can add up to costly repairs. However, damage resulting from the natural shrinking, expanding and settling of soil is typically excluded from homeowners insurance. How natural disasters impact your home insurance rate When homeowners buy insurance, it is a way to transfer the risk of financial loss to an insurance company instead of retaining the risk of loss themselves. In turn, insurance companies share this risk by purchasing reinsurance — insurance for insurance companies. When a catastrophic loss occurs, insurance companies file a claim with reinsurers to cover excess loss without fear of insolvency or impact on long-term profitability. So, if insurance companies have insurance, how do natural disasters impact your home insurance rates? With climate change increasing the frequency and severity of catastrophic losses, reinsurance companies have drastically increased the rate they charge to insurance companies, which gets passed back down to policyholders. Since insurance is a shared risk pool, you are sharing in the claims and profitability of your insurance company, good or bad. When an insurance company has to pay out for natural disasters in one area, it can impact the insurance rate of all of its policyholders, especially those in states likely to experience more catastrophic losses in the future. As hurricanes become stronger, the severity and frequency of claims may increase, resulting in higher claim payouts. As a result of these factors, insurance companies are taking steps to mitigate their risk and reduce their exposure by increasing insurance rates and refusing to insure certain homes. — Tasha Carter | Florida’s Insurance Consumer Advocate Price surge: Catastrophic disasters drive up rebuilding costs When a catastrophic disaster occurs, it creates a financial ripple effect that impacts the cost of transportation, housing, materials and labor for homeowners and anyone living in the surrounding area. Often, local materials and resources get wiped out by a disaster, so building materials, contractors and other builders are transported to the site. The diversion of people and resources creates a drought of builders and materials in locations not directly impacted by the disaster. The rules of supply and demand kick in, causing steep price hikes for shelter and goods and services, resulting in higher repair and rebuild costs for everyone — not just those with sustained damage. Does homeowners insurance cover natural disasters? A homeowners insurance policy provides coverage for specific perils or events. Depending on your state, insurance provider and type of policy, coverage options and deductibles will vary, sometimes greatly. Commonly covered perils related to natural disasters are: Fire and smoke: From electrical fires inside your walls to cooking mishaps, insurance will cover most fires. Fires intentionally started are excluded. Homes in areas prone to wildfires may require a separate endorsement and/or have a stand-alone deductible, or have wildfire coverage excluded from the policy. Windstorm and hail: Wind or hail damage from tornadoes, derechos, gales and hurricanes are some of the wind events covered by most policies. Homes in areas with frequent tornadoes and hurricanes may have a separate wind and hail deductible, require an additional endorsement, or be excluded from the policy. Lightning: Lightning strikes can cause physical damage to your home, electrical surges to your appliances, and fires; all are usually covered by your standard home policy. Weight of ice, snow or sleet: Blizzards and snowstorms with high winds can cause snow to accumulate rapidly on the rooftop of your home and other structures. Damage from the weight load is typically covered. Volcanic eruption: Volcanoes are not a common concern for most homeowners. However, homes in an area with potentially active volcanoes may have coverage from ash, dust, lava flow, fire and explosions resulting from volcanic eruptions. Insurance Home Most types of home insurance policies exclude damage from earthquakes, floods, mudflows, landslides and tsunamis. Insurers may also exclude or limit coverage in areas prone to wildfires and high winds (hurricanes and tornadoes). Here are a few key things to understand about home insurance and natural disasters: Natural disaster insurance is not a singular type of insurance you can purchase. Instead, it is a term used to describe a collection of insurance coverage on a home policy that provides coverage for natural disasters. The terms peril and hazard often need clarification. A peril is an insurance term for something that poses a risk of loss, while a hazard increases the risk of loss. For example, a covered peril in homeowners insurance is fire. Wildfires are natural hazards since they increase the risk of loss from a fire. How to insure excluded natural disasters Usually, homes are one of the most significant financial investments people make. Owners living in high-risk areas can still protect their assets by purchasing endorsements to amend their policies or find stand-alone coverage for most perils caused by natural disasters. If adding an earthquake endorsement to an existing policy is not an option, for instance, many insurance companies offer separate earthquake insurance. California homeowners may also find coverage through the California Earthquake Authority (CEA). Flood insurance is typically purchased separately through a private provider or the National Flood Insurance Program (NFIP). Homeowners needing wind or wildfire coverage may be able to add it through an endorsement or purchase windstorm insurance or wildfire insurance through a state program. Check with your agent to verify that your homeowners policy has the right type of coverage for disasters inherent to the climate in your area. Drastic rating and policy changes in response to extreme weather The frequency and expense of natural disasters have caused insurance companies to reevaluate how they underwrite and rate extreme weather. In 2023, the National Association of Insurance Commissioners released its Climate Risk Disclosure Survey results. Several major carriers stated that changes in extreme weather are causing them to increase rates, raise deductibles, exclude some perils from coverage and change their risk modeling. We are just starting to see some of these changes take place. Bankrate’s proprietary data shows that several home insurers recently changed to a multi-peril rating structure to more accurately capture the risk associated with different perils. In many cases, this change in rating decreased rates for some policyholders but skyrocketed rates for others. Another example of drastic change is State Farms’ recent decision to reverse the nonrenewals of about 30,000 home policies in California. Instead, these policies will be renewed with the caveat of wildfire coverage now being excluded. Homeowners will need to secure wildfire coverage through the California FAIR Plan. As extreme weather evolves, homeowners may continue to see changes to their coverage. Highest-risk areas for natural disasters Looking at any natural disaster map will show you that natural disasters can touch any part of the U.S. Extreme weather occurs year-round in one form or another. According to the National Weather Service, winter weather events usually occur between October 15 and April 15. When winter transitions into spring, the fire season starts due to dryer foliage and warmer weather. Fire season lasts from May to August, but depending on the region and preceding winter weather, it can begin as early as February and is at its peak in late summer. Spring and summer months bring tornado and hurricane season, with tornadoes most likely to occur between May and July and hurricanes with flooding from June through the end of November. Earthquakes and tsunamis are the least predictable of natural disasters. Earthquakes and tsunamis do not have a typical season and both can occur at any time of the year. The United States Geological Survey notes that by examining earthquake record-keeping dating back to 1900, we can expect to have about 16 earthquakes a year. Earthquakes that last longer than 20 seconds are most likely to cause a tsunami. The map below shows which regions in the U.S. are considered at high risk for natural disasters. States that are most impacted by flood costs A study published by Nature Climate Change indicates that climate change is increasing the risk of flooding, with population growth being a driving factor. The northeast may see increased flooding and Texas and Florida could experience a 50 percent increase in flood exposure by 2050. The top five states that currently experience the most flooding are: Florida Texas Louisiana New Jersey California Flood and wind coverage are the two most sought-after coverage types in hurricane-prone areas. Most homeowners find flood insurance policies through the NFIP, and they may also need windstorm insurance if wind damage is excluded from their standard home coverage. Known as “insurance of last resort,” state-funded insurers such as Louisiana Citizens Property Insurance Corporation and Texas Windstorm Insurance Association provide wind damage coverage — but typically at rates much higher than what is available for homeowners in less-risky areas through the private market. States that are most impacted by wildfire damage costs Wildfires can quickly spread from remote forest locations into more populated areas. Humans cause about 85 percent of these devastating wildfires through intentional and unintentional acts. Fire is a common peril covered by homeowners insurance; however, owners who live in wildfire zones may need to purchase a separate policy for wildfire coverage. The top five states that currently experience the most loss from wildfire are: California Texas Colorado Arizona Idaho “We need individual homeowners and residents to take actions to keep their homes fire safe so that you have every chance to escape injury or death when a fire occurs”, says Dr. Lori Moore-Merrell, U.S. Fire Administrator. “In communities built near forested areas or in previously forested areas, to minimize the chance of home ignitions, fuels around the home can be removed, reduced or relocated. Homes can also be hardened to prevent ignition from airborne embers by taking action to use ignition-resistant roof coverings, vents, windows and fences. Fire is everyone’s fight.” Frequently asked questions What are the most common natural disasters? Caret DownFEMA has 18 natural hazards listed in its National Risk Index. Of those hazards, flooding is the most common disaster in the U.S., costing about $5 billion dollars and causing over 100 fatalities per year. Other common disasters are drought, tornadoes, tropical cyclones, hurricanes (which cause heavy flooding), wildfires and earthquakes. What state experiences the fewest natural disasters? Caret Down Delaware has had the fewest natural disasters on record since 1953. Delaware experiences four distinct seasons, but none too intense — Nor’easters are Delaware’s most common type of extreme weather. Homeowners in Delaware pay $966 per year on average for $300,000 in dwelling coverage, 57 percent less than the national average for the same coverage level. Which state pays the most for home insurance? Caret DownCurrently, Florida has the most expensive home insurance in the nation. Homeowners pay an average of $5,533 annually, or $461 monthly, for $300,000 in dwelling coverage. That’s 148 percent higher than the national average. And keep in mind that this doesn’t include the average cost of Florida flood insurance, which is $953 per year through the NFIP. What was the most expensive natural disaster? Caret DownEven after almost 20 years, Hurricane Katrina remains the most expensive natural disaster in U.S. history, according to the NCEI. While the financial toll was high, costing $192.5 billion (adjusted for inflation), the emotional cost was just as heavy. Impacting Louisiana and Mississippi populations the most, there were 1,833 casualties and millions of people displaced for months and years. Post-Katrina, Louisiana has made $14.5 billion worth of upgrades to the Hurricane & Storm Damage Risk Reduction System (HSDRRS), which has successfully shielded New Orleans from severe hurricane damage since then. In which states is it the hardest to find home insurance? Caret DownCalifornia, Florida, Texas, Louisiana and parts of New York can be the most challenging states to find home insurance in right now, with California and Florida typically being the toughest. Increased hurricanes and flooding along the Atlantic and Gulf of Mexico coast pose an increased risk of catastrophic loss and have combined with rampant litigation issues to cause insurance companies to severely limit the location and amount of policies offered in Florida. California, meanwhile, has been experiencing unprecedented wildfires, causing several prominent insurers like Allstate, State Farm and most recently, Farmer’s and AIG to stop writing new property policies for home and commercial buildings.If you’re having difficulty finding home insurance in your state, consider talking with a licensed insurance agent or contacting your state’s Department of Insurance to learn more about alternatives. Methodology Bankrate utilizes Quadrant Information Services to analyze June 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits: Coverage A, Dwelling: $300,000 Coverage B, Other Structures: $30,000 Coverage C, Personal Property: $150,000 Coverage D, Loss of Use: $60,000 Coverage E, Liability: $500,000 Coverage F, Medical Payments: $1,000 The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply. These are sample rates and should be used for comparative purposes only. Your quotes will differ. SHARE: Share this article on Facebook Facebook Share this article on Twitter Twitter Share this article on LinkedIn LinkedIn Share this article via email Email Written by Shannon Martin Arrow Right Writer, Insurance Connect with Shannon Martin on LinkedIn LinkedIn Read more from Shannon Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently. Edited by Mariah Posey Mariah Posey Editor, Insurance Ribbon Expertise • Property & casualty insurance • Rate analysis Calendar 3 Years of experience Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions. Read more Connect with Mariah Posey on Twitter Twitter Connect with Mariah Posey on LinkedIn LinkedIn Get in contact with Mariah Posey via Email Email Close Mariah Posey Editor, Insurance Connect with Mariah Posey on Twitter Twitter Connect with Mariah Posey on LinkedIn LinkedIn Get in contact with Mariah Posey via Email Email Related Articles Mortgages Forecast: Mortgage rates to gradually decline in 2024 3 min read Jan 02, 2024 Homeowners Insurance What disasters does home insurance cover? 10 min read Sep 19, 2023 Homeowners Insurance Factors that impact your cost of homeowners insurance 12 min read Jul 16, 2024 Homeowners Insurance Will your home insurance cost more in 2022? Bankrate finds out. 9 min read Aug 18, 2022 Bankrate logo Bankrate About About us Press room Careers Advertise with us Site map Help Contact us Compare rates Latest news Popular topics Legal Privacy policy Cookie settings Do Not Sell or Share My Personal Information Consumer Health Information Privacy Policy Understanding Bankrate’s averages Terms of use GLBA annual notice California Consumer Financial Privacy Notice Licenses How we make money Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. 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ETF Report Financial Freestyle … Back to classic Read full articleBankrateThe impact of natural disasters on insurance rates in 2024Shannon MartinWed, Jul 17, 2024, 8:00 AM15 min readLink Copied0Homeowners across the U.S. are left footing the bill for damage caused by natural disasters, which are reaching unprecedented levels of financial toll. The NOAA National Centers for Environmental Information (NCEI) recorded 28 separate billion-dollar disasters in 2023, and as of June 2024, there have already been 11. As Americans living along the Gulf of Mexico and the East Coast brace for the most active hurricane season ever predicted, insurance companies are making sweeping changes to policy coverage and premiums. It is more important now than ever to understand how your home insurance covers natural disasters and what steps to take to cover the gaps.Key takeawaysThe main natural disasters impacting the cost of homeowners insurance are tropical cyclones, wildfires, tornadoes, flooding, earthquakes and severe storms.Experts predict that the frequency of extreme weather will cause home insurance costs to continue to rise in 2024 and in future years.Typically, standard homeowners insurance policies exclude damage from earthquakes, floods, mudflows, landslides and tsunamis.Population growth in severe weather-prone areas and a lack of adequate building codes increase the cost of natural disasters.2024 Natural disaster-related data and statisticsThe average cost of homeowners insurance in the U.S. is $2,230 per year for $300,000 in dwelling coverage as of June 2024. Home insurance premiums vary across the nation and one of the most substantial rating factors determining the cost of insurance is location. Homeowners in high-risk areas may pay more than homeowners in areas at a lower risk from natural disasters, even within the same state. However, other factors impact insurance rates, such as the age and condition of your home, so what you pay could vary dramatically from the average in your area.The chart below highlights the average cost of home insurance in several states prone to natural disasters, as well as the average cost of home insurance in high-risk cities within those states.StateAverage annual premiumCity at high risk of disaster lossAverage annual premiumPotential natural disasterCalifornia$1,453Lake Arrowhead$1,910Earthquakes, wildfires and floodingFlorida$5,533Miami$10,473Hurricanes and floodingGeorgia$1,945Atlanta$1,884Hurricanes and floodingIllinois$2,189Chicago$2,702Severe storms and floodingLouisiana$4,274Metairie$6,031Hurricanes, tornadoes and floodingMississippi$2,820Gulfport$5,433Severe storms and hurricanesNorth Carolina$2,495Greenville$2,759Severe storms, hail and tornadoesOklahoma$4,700Oklahoma City$5,476Tornadoes, wildfires, ice storms and floodingPennsylvania$1,149Philadelphia$1,662Severe storms, tornadoes and floodingTennessee$2,410Arlington$2,880Severe storms and tornadoesTexas$3,726Houston$4,973Fires, tornadoes, flooding and hurricanes*Premiums shown are for $300,000 in dwelling coverage.Story continuesBillion-dollar disastersThe NCEI divided the most significant natural disasters into 10 categories in its Billion-Dollar Weather and Climate Disasters report. Since 1980, there have been 387 disasters across the nation costing more than $1 billion each. In fact, there isn’t one state that has not been impacted by a billion-dollar weather event. Surprisingly, Hawaii has only had two, and this includes the Lahaina wildfires of 2023. Alaska follows Hawaii as having the next-lowest number of billion-dollar disasters, with eight, and Missouri has 11.The chart below highlights four of the most common natural disasters in the U.S., which encompass losses from hurricanes and tornadoes. Tropical cyclones, which produce strong winds and heavy rainfall, occur the most often and cause the most damage.Event typeTotal number of eventsTotal costAverage cost per yearAverage deaths per yearFlood44$200.2B$4.6B17Severe storm186$463.2B$10.5B48Tropical cyclone62$1,411.2B$32.1B157Wildfire22$145.7B$3.3B12*Source: NCEI*Costs are CPI-adjustedDroughts: the forgotten natural disasterWith extreme heat becoming more common, droughts are happening more often and lasting longer. For instance, residents in Fallon, Nevada, have experienced several prolonged drought events amounting to an average duration of 184.5 weeks. Data from the National Integrated Drought Information System showed that in early June 2024, 36.9 percent of the U.S. was experiencing a moderate drought while 8.1 percent of the country was battling droughts categorized as exceptional — the highest drought rating reserved for water emergencies and widespread crop and pasture losses.It is important for homeowners to consider the effects of extreme heat and droughts, as they can be very damaging to homes and are not covered by homeowners insurance.Droughts cause the earth beneath your home to dry out and shrink, leading to potential issues with your foundation. An uneven foundation can lead to foundation cracks and leaks, cracks in your interior or exterior walls, misalignment of doors and windows and more — all of which can add up to costly repairs. However, damage resulting from the natural shrinking, expanding and settling of soil is typically excluded from homeowners insurance.How natural disasters impact your home insurance rateWhen homeowners buy insurance, it is a way to transfer the risk of financial loss to an insurance company instead of retaining the risk of loss themselves. In turn, insurance companies share this risk by purchasing reinsurance — insurance for insurance companies. When a catastrophic loss occurs, insurance companies file a claim with reinsurers to cover excess loss without fear of insolvency or impact on long-term profitability. So, if insurance companies have insurance, how do natural disasters impact your home insurance rates?With climate change increasing the frequency and severity of catastrophic losses, reinsurance companies have drastically increased the rate they charge to insurance companies, which gets passed back down to policyholders. Since insurance is a shared risk pool, you are sharing in the claims and profitability of your insurance company, good or bad. When an insurance company has to pay out for natural disasters in one area, it can impact the insurance rate of all of its policyholders, especially those in states likely to experience more catastrophic losses in the future.— Tasha Carter | Florida’s Insurance Consumer AdvocatePrice surge: Catastrophic disasters drive up rebuilding costsWhen a catastrophic disaster occurs, it creates a financial ripple effect that impacts the cost of transportation, housing, materials and labor for homeowners and anyone living in the surrounding area. Often, local materials and resources get wiped out by a disaster, so building materials, contractors and other builders are transported to the site. The diversion of people and resources creates a drought of builders and materials in locations not directly impacted by the disaster. The rules of supply and demand kick in, causing steep price hikes for shelter and goods and services, resulting in higher repair and rebuild costs for everyone — not just those with sustained damage.Does homeowners insurance cover natural disasters?A homeowners insurance policy provides coverage for specific perils or events. Depending on your state, insurance provider and type of policy, coverage options and deductibles will vary, sometimes greatly. Commonly covered perils related to natural disasters are:Fire and smoke: From electrical fires inside your walls to cooking mishaps, insurance will cover most fires. Fires intentionally started are excluded. Homes in areas prone to wildfires may require a separate endorsement and/or have a stand-alone deductible, or have wildfire coverage excluded from the policy.Windstorm and hail: Wind or hail damage from tornadoes, derechos, gales and hurricanes are some of the wind events covered by most policies. Homes in areas with frequent tornadoes and hurricanes may have a separate wind and hail deductible, require an additional endorsement, or be excluded from the policy.Lightning: Lightning strikes can cause physical damage to your home, electrical surges to your appliances, and fires; all are usually covered by your standard home policy.Weight of ice, snow or sleet: Blizzards and snowstorms with high winds can cause snow to accumulate rapidly on the rooftop of your home and other structures. Damage from the weight load is typically covered.Volcanic eruption: Volcanoes are not a common concern for most homeowners. However, homes in an area with potentially active volcanoes may have coverage from ash, dust, lava flow, fire and explosions resulting from volcanic eruptions.Most types of home insurance policies exclude damage from earthquakes, floods, mudflows, landslides and tsunamis. Insurers may also exclude or limit coverage in areas prone to wildfires and high winds (hurricanes and tornadoes). Here are a few key things to understand about home insurance and natural disasters:Natural disaster insurance is not a singular type of insurance you can purchase. Instead, it is a term used to describe a collection of insurance coverage on a home policy that provides coverage for natural disasters.The terms peril and hazard often need clarification. A peril is an insurance term for something that poses a risk of loss, while a hazard increases the risk of loss. For example, a covered peril in homeowners insurance is fire. Wildfires are natural hazards since they increase the risk of loss from a fire.How to insure excluded natural disastersUsually, homes are one of the most significant financial investments people make. Owners living in high-risk areas can still protect their assets by purchasing endorsements to amend their policies or find stand-alone coverage for most perils caused by natural disasters. If adding an earthquake endorsement to an existing policy is not an option, for instance, many insurance companies offer separate earthquake insurance. California homeowners may also find coverage through the California Earthquake Authority (CEA).Flood insurance is typically purchased separately through a private provider or the National Flood Insurance Program (NFIP). Homeowners needing wind or wildfire coverage may be able to add it through an endorsement or purchase windstorm insurance or wildfire insurance through a state program. Check with your agent to verify that your homeowners policy has the right type of coverage for disasters inherent to the climate in your area.Drastic rating and policy changes in response to extreme weatherThe frequency and expense of natural disasters have caused insurance companies to reevaluate how they underwrite and rate extreme weather. In 2023, the National Association of Insurance Commissioners released its Climate Risk Disclosure Survey results. Several major carriers stated that changes in extreme weather are causing them to increase rates, raise deductibles, exclude some perils from coverage and change their risk modeling. We are just starting to see some of these changes take place.Bankrate’s proprietary data shows that several home insurers recently changed to a multi-peril rating structure to more accurately capture the risk associated with different perils. In many cases, this change in rating decreased rates for some policyholders but skyrocketed rates for others.Another example of drastic change is State Farms’ recent decision to reverse the nonrenewals of about 30,000 home policies in California. Instead, these policies will be renewed with the caveat of wildfire coverage now being excluded. Homeowners will need to secure wildfire coverage through the California FAIR Plan.As extreme weather evolves, homeowners may continue to see changes to their coverage.Highest-risk areas for natural disastersLooking at any natural disaster map will show you that natural disasters can touch any part of the U.S. Extreme weather occurs year-round in one form or another. According to the National Weather Service, winter weather events usually occur between October 15 and April 15. When winter transitions into spring, the fire season starts due to dryer foliage and warmer weather. Fire season lasts from May to August, but depending on the region and preceding winter weather, it can begin as early as February and is at its peak in late summer. Spring and summer months bring tornado and hurricane season, with tornadoes most likely to occur between May and July and hurricanes with flooding from June through the end of November.Earthquakes and tsunamis are the least predictable of natural disasters. Earthquakes and tsunamis do not have a typical season and both can occur at any time of the year. The United States Geological Survey notes that by examining earthquake record-keeping dating back to 1900, we can expect to have about 16 earthquakes a year. Earthquakes that last longer than 20 seconds are most likely to cause a tsunami. The map below shows which regions in the U.S. are considered at high risk for natural disasters.States that are most impacted by flood costsA study published by Nature Climate Change indicates that climate change is increasing the risk of flooding, with population growth being a driving factor. The northeast may see increased flooding and Texas and Florida could experience a 50 percent increase in flood exposure by 2050. The top five states that currently experience the most flooding are:FloridaTexasLouisianaNew JerseyCaliforniaFlood and wind coverage are the two most sought-after coverage types in hurricane-prone areas. Most homeowners find flood insurance policies through the NFIP, and they may also need windstorm insurance if wind damage is excluded from their standard home coverage. Known as “insurance of last resort,” state-funded insurers such as Louisiana Citizens Property Insurance Corporation and Texas Windstorm Insurance Association provide wind damage coverage — but typically at rates much higher than what is available for homeowners in less-risky areas through the private market.States that are most impacted by wildfire damage costsWildfires can quickly spread from remote forest locations into more populated areas. Humans cause about 85 percent of these devastating wildfires through intentional and unintentional acts. Fire is a common peril covered by homeowners insurance; however, owners who live in wildfire zones may need to purchase a separate policy for wildfire coverage. The top five states that currently experience the most loss from wildfire are:CaliforniaTexasColoradoArizonaIdaho“We need individual homeowners and residents to take actions to keep their homes fire safe so that you have every chance to escape injury or death when a fire occurs”, says Dr. Lori Moore-Merrell, U.S. Fire Administrator. “In communities built near forested areas or in previously forested areas, to minimize the chance of home ignitions, fuels around the home can be removed, reduced or relocated. Homes can also be hardened to prevent ignition from airborne embers by taking action to use ignition-resistant roof coverings, vents, windows and fences. Fire is everyone’s fight.”Frequently asked questionsWhat are the most common natural disasters?FEMA has 18 natural hazards listed in its National Risk Index. Of those hazards, flooding is the most common disaster in the U.S., costing about $5 billion dollars and causing over 100 fatalities per year. Other common disasters are drought, tornadoes, tropical cyclones, hurricanes (which cause heavy flooding), wildfires and earthquakes.What state experiences the fewest natural disasters?Delaware has had the fewest natural disasters on record since 1953. Delaware experiences four distinct seasons, but none too intense — Nor’easters are Delaware’s most common type of extreme weather. Homeowners in Delaware pay $966 per year on average for $300,000 in dwelling coverage, 57 percent less than the national average for the same coverage level.Which state pays the most for home insurance?Currently, Florida has the most expensive home insurance in the nation. Homeowners pay an average of $5,533 annually, or $461 monthly, for $300,000 in dwelling coverage. That’s 148 percent higher than the national average. And keep in mind that this doesn’t include the average cost of Florida flood insurance, which is $953 per year through the NFIP.What was the most expensive natural disaster?Even after almost 20 years, Hurricane Katrina remains the most expensive natural disaster in U.S. history, according to the NCEI. While the financial toll was high, costing $192.5 billion (adjusted for inflation), the emotional cost was just as heavy. Impacting Louisiana and Mississippi populations the most, there were 1,833 casualties and millions of people displaced for months and years. Post-Katrina, Louisiana has made $14.5 billion worth of upgrades to the Hurricane & Storm Damage Risk Reduction System (HSDRRS), which has successfully shielded New Orleans from severe hurricane damage since then.In which states is it the hardest to find home insurance?California, Florida, Texas, Louisiana and parts of New York can be the most challenging states to find home insurance in right now, with California and Florida typically being the toughest. Increased hurricanes and flooding along the Atlantic and Gulf of Mexico coast pose an increased risk of catastrophic loss and have combined with rampant litigation issues to cause insurance companies to severely limit the location and amount of policies offered in Florida. California, meanwhile, has been experiencing unprecedented wildfires, causing several prominent insurers like Allstate, State Farm and most recently, Farmer’s and AIG to stop writing new property policies for home and commercial buildings.If you’re having difficulty finding home insurance in your state, consider talking with a licensed insurance agent or contacting your state’s Department of Insurance to learn more about alternatives.MethodologyBankrate utilizes Quadrant Information Services to analyze June 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:Coverage A, Dwelling: $300,000Coverage B, Other Structures: $30,000Coverage C, Personal Property: $150,000Coverage D, Loss of Use: $60,000Coverage E, Liability: $500,000Coverage F, Medical Payments: $1,000The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.These are sample rates and should be used for comparative purposes only. 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Free family movie series offered at Sperry’s Moviehouse in Port Huron – The Voice Skip to content All Sections Subscribe Now 61°F Thursday, August 8th 2024 e-Edition Home Page Close MenuNews News Coronavirus Health Michigan News National News Best Reviews Sports Sports MIPrepZone Obituaries Obituaries News Obituaries Submit an Obituary Opinion Things to Do Things to Do Lottery Events Marketplace Classifieds Place a Classified Ad Jobs Shopping Guide Special Sections Sponsored Content Tools Comment Policy Contests Close Menu Sign up for email newsletters Sign Up Things To Do | Free family movie series offered at Sperry’s… Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to print (Opens in new window) Subscribe Account Settings Contact Us Log Out Spoof a user Sign up for email newsletters Sign Up Subscribe Search 61°F Thursday, August 8th 2024 e-Edition Things To Do Lottery Events Things To Do Things To Do | Free family movie series offered at Sperry’s Moviehouse in Port Huron Showings run through late AugustShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to print (Opens in new window) Families can attend free movies during the Summer Fun Family Series at Sperry’s Moviehouse in Port Huron. (Courtesy of Sperry’s Moviehouse/Facebook) By Emily Pauling | epauling@medianewsgroup.com | The VoicePUBLISHED: June 30, 2023 at 11:00 a.m.Sperry’s Moviehouse in Port Huron is offering a Summer Family Fun Series this summer in which families can attend free movies, with new titles every week.The series, which began June 21, is sponsored by Megan Simmons, a State Farm agent. The showings are taking place at 11 a.m. Wednesdays and Thursdays through Aug. 24.“Megan Simmons from State Farm had reached out to us with the idea of the summer series at the beginning of June and we wanted to get it started as soon as possible,” Sperry’s Moviehouse Guest Experience Manager Jenna Worden said. “She, myself and our marketing director Sara Bower worked together on setting up all the details. Megan had picked out the lineup of movies, which would be family friendly so everyone could enjoy.”The movie shown on June 21 and 22 was “Zootopia,” and the movie shown June 28 and 29 was “Encanto.”The rest of the schedule includes “The Lego Ninjago Movie” on July 5 and 6; “A Goofy Movie” on July 12 and 13; “The Secret Life of Pets” on July 19 and 20; “Wreck-It Ralph” on July 26 and 27; “The Muppets” on Aug. 2 and 3; “Bolt” on Aug. 9 and 10; “The Mitchells vs. the Machines” on Aug. 16 and 17, and “Toy Story” on Aug. 23 and 24.Seats are available on a first-come, first-served basis.“Our theater we have the series showing in seats 41, plus two handicap seats, so that is the total amount of people we could have for each showing,” Worden said.Worden said the first week had a great turnout and the theater was “packed full.” “Already we have received a lot of great feedback in person, and on social media, people love it,” she said. “It’s something family and friends can do together. Overall, it’s been nothing but great experiences for everyone.”Along with the free showings, the theater has coupons for $6 combos for the summer series that guests can grab from the promotion table in the lobby as they walk in.“We hope that everyone can enjoy seeing some fan favorite movies on the big screen and give kids that movie-going experience,” Worden said.Sperry’s Moviehouse is a 12-screen boutique theater located at 301 Huron Ave. in Port Huron. For more information, visit sperrysmoviehouse.com or facebook.com/sperrysmoviehouseporthuron. 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California home insurance: What’s more important, coverage or cost? Skip to content All Sections Subscribe Now 61°F Thursday, August 8th 2024 Today's e-Edition Home Page Close MenuNews News Latest Headlines Crime and Public Safety California News National News World News Politics Education Environment Science Health Mr. Roadshow Transportation The Cannifornian Weather Local Local News Map Bay Area San Jose Santa Clara County Peninsula San Mateo County Alameda County Santa Cruz County Sal Pizarro Obituaries Obituaries News Obituaries Place an Obituary Opinion Opinion Editorials Opinion Columnists Letters to the Editor Commentary Cartoons Election Endorsements Sports Sports San Francisco 49ers San Francisco Giants Golden State Warriors Raiders Oakland Athletics San Jose Sharks San Jose Earthquakes Bay FC Olympics College Sports Wilner Hotline High School Sports Other Sports Sports Columnists Sports Blogs Golden State Valkyries Things To Do Entertainment Things To Do Restaurants, Food and Drink Celebrities TV Streaming Movies Music Theater Lifestyle Advice Travel Pets and Animals Comics Puzzles and Games Horoscopes Event Calendar Business Business Housing Economy Technology Best Reviews SiliconValley.com Real Estate Marketplace Subscribe Advertise Log In Logout Close Menu Get Morning Report and other email newsletters Sign Up Housing | California home insurance: What’s more… Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to print (Opens in new window)Click to email a link to a friend (Opens in new window)Click to share on Reddit (Opens in new window) Subscribe Log In Account Settings Contact Us Log Out Spoof a user Get Morning Report and other email newsletters Sign Up Subscribe Log In Search 61°F Thursday, August 8th 2024 Today's e-Edition Housing Business Housing Real Estate Economy Technology SiliconValley.com Trending: Housing | Map: Park Fire grows Housing | Best Bay Area croissants Housing | Breaking dad’s record🥇 Housing | Remembering Chris Esparza Housing | Vin Santo closes Housing | What to watch 📺 NewsHousingOpinion ColumnistOpinion Columnist Represents the opinion of the author who is either a paid columnist or an unpaid guest columnist. SUBSCRIBER ONLY Housing | California home insurance: What’s more important, coverage or cost? State Farm and Allstate stopped writing new property policiesShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to print (Opens in new window)Click to email a link to a friend (Opens in new window)Click to share on Reddit (Opens in new window)By Jonathan Lansner | jlansner@scng.com | Orange County RegisterUPDATED: July 4, 2023 at 2:15 p.m. California’s home insurance challenges are a complex web of risk management, construction costs, pricing algorithms, climate forecasts and regulatory minutia. Recently, State Farm and Allstate — two major home insurers in California – chose to stop writing new property policies, citing rising costs. Their moves raise fears of a potential statewide insurance shortage. This raises the question: What are fair premiums and how will they offer homeowners decent protection while providing insurers a fair profit? Now, insurance pricing logic makes the average human’s head hurt. It requires calculating the risks of everything from major catastrophes to modest calamities at just one home. The variables run from climate to construction to crime. Add that up and then make a big bet: How much money for how much protection? Let my trusty spreadsheet try to explain this odd dynamic, using some awfully basic math to highlight the tussle between a property owner and an insurer. Proper premiums We all know that many things tied to housing in California are expensive. So, it might surprise you to know that California’s home insurance rates look relatively affordable when compared with premiums across the U.S. California had the 37th-highest annual premiums at an average $1,434 a year to cover $360,000 in damages, according to my look at policy price rankings from Nerdwallet, Insurance.com, and Bankrate. The national median was $1,963. And the highest premiums were found in Middle America where wind and hail pound homes – Oklahoma at $4,766, then Nebraska at $3,985, Kansas at $3,774, Texas at $3,389 and Arkansas at $3,172. One argument the insurance industry makes to explain their wariness about protecting more California homes is that they don’t feel they’re being adequately compensated for their risks. Remember, insurance premiums are regulated by the state’s Department of Insurance. Costly construction Building housing in California isn’t cheap – and that’s a hefty slice of insurance cost. For starters, the California construction workers who’d fix your home are pricey. They earn the nation’s fifth-highest annualized average pay of $89,300, according to federal job stats. These jobs pay better only in Massachusetts ($101,200), New Jersey ($90,500), Illinois ($90,100), and New York ($89,700). Nationwide, construction wages run $80,300. Those paychecks are one reason why California ranked No. 3 among the states with an average construction expense of $188 per square foot, according to my combination of building expense benchmarks from Today’s Homeowner and Forbes. The national median was $149 and only two states were costlier: Hawaii at $206 and Alaska at $189. On the other hand, the typical home in California is far smaller than the typical American residence. That might offer some savings on a significant repair bill. The median California house is 1,860 square feet, 37th among the states vs. the 2,014 U.S. norm, says the American Home Size Index. The biggest houses are in Utah at 2,800 square feet and the smallest are in Hawaii at 1,164. Combine cost and size and you get a rudimentary replacement value for a quasi-typical California home: $349,000. That’s eighth-highest in the nation and far above the nation’s $304,000. The highest was in Utah at $427,000. The low was in Iowa at $213,000. Now before you scoff at those guestimates, much of a California home’s huge price tag comes from the lofty value of the land it sits on. You still have a lot even if, say, a wildfire burns the home to the ground. Another wrinkle is the age of housing. Old homes typically required the cost of being brought up to modern construction codes when repaired. California ranked 16th for the age of housing stock at 45 years vs. 35 nationally, according to the Census Bureau. The oldest housing is in New York at 63. The youngest is in Nevada at 25. What are the odds? The owner and the insurer both want the premium to properly reflect the likelihood a housing hazard will damage the property. And it’s a good bet that the largest perils can be tied to Mother Nature. California had the fifth-most dangerous conditions, according to my composite of climate-risk scorecards from CoreLogic, WorldPopulationReview, WalletHub, and MoneyGeek. No. 1 was Texas, then Louisiana, Mississippi and Oklahoma. The lowest risk, by the way, was found in Rhode Island, Delaware and Connecticut. However, this is a broad brush for scoring home insurance’s risks. Remember two large hazards — flooding and earthquakes — are not protected by a typical California home insurance policy. Plus, home policies also cover losses such as plumbing leaks theft and various legal liabilities. Bottom line This math barely scratches the surface of the pricing debate. Plus, no two owners or insurers will see the California risks the same way. And state insurance regulators have their own views, too. Look, there are far more questions than answers surrounding California’s home insurance headaches. But there’s an over-arching issue that California will have to figure out: What’s more important, coverage or cost? Should the regulation err on the side of availability of insurance in a state where owners have to protect considerable real estate values? Or is the price of protection paramount in a state where housing expenses aggressively stretch many family budgets? Jonathan Lansner is the business columnist for the Southern California News Group. He can be reached at jlansner@scng.com Related Articles Housing | California condo owners to get expanded FAIR plan fire insurance Housing | Opinion: How to cool California’s heated home insurance market Housing | As California wildfires rage, one Bay Area insurer uses AI for coverage Housing | In the 10 states that didn’t expand Medicaid, 1.6 million can’t afford health insurance Housing | California homeowners sue FAIR Plan, state’s insurer of last resort, over smoke damage coverage Originally Published: June 30, 2023 at 7:24 a.m.Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to print (Opens in new window)Click to email a link to a friend (Opens in new window)Click to share on Reddit (Opens in new window) Report an error Policies and Standards Contact Us Most PopularMost PopularHarriette Cole: I was in another city, and I saw him with a womanHarriette Cole: I was in another city, and I saw him with a womanMiss Manners: My departing co-worker offered me a gift. 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California home insurance: What’s more important, coverage or cost? – Whittier Daily News Skip to content All Sections Subscribe Now 64°F Thursday, August 8th 2024 e-Edition Home Page Close MenuNews News Crime and Public Safety Investigative Reporting Politics Health Environment Business Best Reviews Jobs Housing Local News Local News Whittier Pico Rivera Montebello La Mirada Santa Fe Springs La Habra La Habra Heights Norwalk Los Angeles Los Angeles County Sports Sports LA Varsity Chargers Rams Lakers Clippers Dodgers Angels College Sports UCLA Sports USC Sports Kings Ducks Olympics Boxing/MMA Soccer Horse Racing Things To Do Things To Do Restaurants Food and Drink Amusement Parks Movies Music + Concerts Theater TV and Streaming Home + Garden Travel Comics Puzzles Events Obituaries Obituaries News Obituaries Place an Obituary Opinion Opinion Editorials Opinion Columns Commentary Letters to the Editor Editorial Board Endorsements SCNG Premium The T.E.A. Daily News Store Subscribe Log In Logout Close Menu Get the latest news delivered daily! Sign Up Housing | California home insurance: What’s more… Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on Reddit (Opens in new window)Click to print (Opens in new window) Subscribe Log In Account Settings Contact Us Log Out Spoof a user Get the latest news delivered daily! Sign Up Subscribe Log In Search 64°F Thursday, August 8th 2024 e-Edition Housing Crime Investigative Reporting Politics Environment Business Jobs Housing Trending: Housing | Greenleaf tree battle 🌳 Housing | Aide suspended over Trump gear Housing | New electricity charge Housing | Football preview: Defensive players Housing | Olympics: How to watch 🥇 NewsHousingOpinion ColumnistOpinion Columnist Represents the opinion of the author who is either a paid columnist or an unpaid guest columnist. SUBSCRIBER ONLY Housing | California home insurance: What’s more important, coverage or cost? State Farm and Allstate stopped writing new property policiesShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on Reddit (Opens in new window)Click to print (Opens in new window)By Jonathan Lansner | jlansner@scng.com | Orange County RegisterUPDATED: June 30, 2023 at 9:04 a.m.What are fair premiums that offer homeowners decent protection from risk while providing insurers a fair profit? Subscribe to continue reading this article. Already subscribed? To login in, click here. Originally Published: June 30, 2023 at 7:24 a.m.Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on Reddit (Opens in new window)Click to print (Opens in new window) Newsroom Guidelines News Tips Contact Us Report an Error Most PopularMost Popular5.2 magnitude earthquake centered near Lamont shakes Southern California5.2 magnitude earthquake centered near Lamont shakes Southern CaliforniaWith fate of beloved tree at stake, Whittier neighborhood, leaders come togetherWith fate of beloved tree at stake, Whittier neighborhood, leaders come together1 suspect fatally shot during attempt robbery at Norwalk tobacco store, authorities say1 suspect fatally shot during attempt robbery at Norwalk tobacco store, authorities sayCounty reward returns in death of Mitrice Richardson, who went missing after 2009 Malibu arrestCounty reward returns in death of Mitrice Richardson, who went missing after 2009 Malibu arrestCostco card entry scanners popping up at Southern California warehousesCostco card entry scanners popping up at Southern California warehousesSkydiving instructor and student killed in Perris after ‘dust devil’ caused turbulent landingSkydiving instructor and student killed in Perris after ‘dust devil’ caused turbulent landingThis Whittier baseball shrine just welcomed its latest inducteesThis Whittier baseball shrine just welcomed its latest inducteesMan accused of fatally shooting another man in NorwalkMan accused of fatally shooting another man in NorwalkDeath of 4-month-old daughter of Inland couple on Lake Havasu is under investigationDeath of 4-month-old daughter of Inland couple on Lake Havasu is under investigationFire near Whittier Narrows stopped at 12 acresFire near Whittier Narrows stopped at 12 acres Trending Nationally Taylor Swift concerts in Vienna canceled after terror plot uncoveredMigrant day laborers sue Home Depot, CPD and city of Chicago, alleging abuse and harassmentNew Jersey boat reels in bigeye tuna potentially worth $4.2 million in White Marlin OpenMcDonald’s will launch a Collector’s Meal with six nostalgic cups on Aug. 13MyKayla Skinner calls on Simone Biles to stop feud amid threats More in Housing Housing | More Americans tapping home equity credit lines, NY Fed says Housing | Riverside ranked as Southern California’s best city for apartment hunting Housing | Topanga home of Virginia T. 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California home insurance: What’s more important, coverage or cost? – Silicon Valley Skip to content All Sections Subscribe Now 60°F Thursday, August 8th 2024 Today's E-Edition Home Page Close MenuBusiness Technology Commercial Real Estate Housing Marketplace The Mercury News SUBSCRIBE NOW Close Menu Morning Report in your inbox! Sign Up California home insurance: What’s more… Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to print (Opens in new window) Subscribe Account Settings Contact Us Log Out Spoof a user Morning Report in your inbox! Sign Up Subscribe Search 60°F Thursday, August 8th 2024 Today's E-Edition Business Technology Commercial Real Estate Housing Marketplace The Mercury News Business SUBSCRIBER ONLY California home insurance: What’s more important, coverage or cost? State Farm and Allstate stopped writing new property policiesShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to print (Opens in new window)By Jon Lansner | jlansner@scng.com | Orange County RegisterUPDATED: June 30, 2023 at 9:04 a.m. California’s home insurance challenges are a complex web of risk management, construction costs, pricing algorithms, climate forecasts and regulatory minutia. Recently, State Farm and Allstate — two major home insurers in California – chose to stop writing new property policies, citing rising costs. Their moves raise fears of a potential statewide insurance shortage. This begs the question: What are fair premiums and how will they offer homeowners decent protection while providing insurers a fair profit? Now, insurance pricing logic makes the average human’s head hurt. It requires calculating the risks of everything from major catastrophes to modest calamities at just one home. The variables run from climate to construction to crime. Add that up and then make a big bet: How much money for how much protection? Let my trusty spreadsheet try to explain this odd dynamic, using some awfully basic math to highlight the tussle between a property owner and an insurer. Proper premiums We all know that many things tied to housing in California are expensive. So, it might surprise you to know that California’s home insurance rates look relatively affordable when compared with premiums across the U.S. California had the 37th-highest annual premiums at an average $1,434 a year to cover $360,000 in damages, according to my look at policy price rankings from Nerdwallet, Insurance.com, and Bankrate. The national median was $1,963. And the highest premiums were found in Middle America where wind and hail pound homes – Oklahoma at $4,766, then Nebraska at $3,985, Kansas at $3,774, Texas at $3,389 and Arkansas at $3,172. One argument the insurance industry makes to explain their wariness about protecting more California homes is that they don’t feel they’re being adequately compensated for their risks. Remember, insurance premiums are regulated by the state’s Department of Insurance. Costly construction Building housing in California isn’t cheap – and that’s a hefty slice of insurance cost. For starters, the California construction workers who’d fix your home are pricey. They earn the nation’s fifth-highest annualized average pay of $89,300, according to federal job stats. These jobs pay better only in Massachusetts ($101,200), New Jersey ($90,500), Illinois ($90,100), and New York ($89,700). Nationwide, construction wages run $80,300. Those paychecks are one reason why California ranked No. 3 among the states with an average construction expense of $188 per square foot, according to my combination of building expense benchmarks from Today’s Homeowner and Forbes. The national median was $149 and only two states were costlier: Hawaii at $206 and Alaska at $189. On the other hand, the typical home in California is far smaller than the typical American residence. That might offer some savings on a significant repair bill. The median California house is 1,860 square feet, 37th among the states vs. the 2,014 U.S. norm, says the American Home Size Index. The biggest houses are in Utah at 2,800 square feet and the smallest are in Hawaii at 1,164. Combine cost and size and you get a rudimentary replacement value for a quasi-typical California home: $349,000. That’s eighth-highest in the nation and far above the nation’s $304,000. The highest was in Utah at $427,000. The low was in Iowa at $213,000. Now before you scoff at those guestimates, much of a California home’s huge price tag comes from the lofty value of the land it sits on. You still have a lot even if, say, a wildfire burns the home to the ground. Another wrinkle is the age of housing. Old homes typically required the cost of being brought up to modern construction codes when repaired. California ranked 16th for the age of housing stock at 45 years vs. 35 nationally, according to the Census Bureau. The oldest housing is in New York at 63. The youngest is in Nevada at 25. What are the odds? The owner and the insurer both want the premium to properly reflect the likelihood a housing hazard will damage the property. And it’s a good bet that the largest perils can be tied to Mother Nature. California had the fifth-most dangerous conditions, according to my composite of climate-risk scorecards from CoreLogic, WorldPopulationReview, WalletHub, and MoneyGeek. No. 1 was Texas, then Louisiana, Mississippi and Oklahoma. The lowest risk, by the way, was found in Rhode Island, Delaware and Connecticut. However, this is a broad brush for scoring home insurance’s risks. Remember two large hazards — flooding and earthquakes — are not protected by a typical California home insurance policy. Plus, home policies also cover losses such as plumbing leaks theft and various legal liabilities. Bottom line This math barely scratches the surface of the pricing debate. Plus, no two owners or insurers will see the California risks the same way. And state insurance regulators have their own views, too. Look, there are far more questions than answers surrounding California’s home insurance headaches. But there’s an over-arching issue that California will have to figure out: What’s more important, coverage or cost? Should the regulation err on the side of availability of insurance in a state where owners have to protect considerable real estate values? Or is the price of protection paramount in a state where housing expenses aggressively stretch many family budgets? Jonathan Lansner is the business columnist for the Southern California News Group. He can be reached at jlansner@scng.com Originally Published: June 30, 2023 at 7:24 a.m.Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to print (Opens in new window) Most PopularMost Popular‘Why would you do this to me?’ Southwest Airlines allegedly fired Black supervisor for complaining about racism at SFO‘Why would you do this to me?’ Southwest Airlines allegedly fired Black supervisor for complaining about racism at SFOSan Jose retail center lands new merchants as Hobby Lobby preps spaceSan Jose retail center lands new merchants as Hobby Lobby preps spaceWas JD Vance trying to lean into couch-sex rumor with bad joke about his wife?Was JD Vance trying to lean into couch-sex rumor with bad joke about his wife?Santana Row in San Jose now charges for parking in strategy shiftSantana Row in San Jose now charges for parking in strategy shiftStore closure, biotech layoffs jolt Bay Area job market with fresh cutbacksStore closure, biotech layoffs jolt Bay Area job market with fresh cutbacksSan Jose office building lands artificial intelligence tech companySan Jose office building lands artificial intelligence tech companyJudge: Marin County business can’t blast music at homeless campJudge: Marin County business can’t blast music at homeless campFormer site of San Jose Planned Parenthood clinic targeted for eight-story housing complexFormer site of San Jose Planned Parenthood clinic targeted for eight-story housing complexSJSU hits final stages to prep new San Jose student housing towerSJSU hits final stages to prep new San Jose student housing towerCalifornia county requires hospitals to report patient medical debt, as a way to reduce billsCalifornia county requires hospitals to report patient medical debt, as a way to reduce bills Trending Nationally Taylor Swift concerts in Vienna canceled after terror plot uncoveredMigrant day laborers sue Home Depot, CPD and city of Chicago, alleging abuse and harassmentNew Jersey boat reels in bigeye tuna potentially worth $4.2 million in White Marlin OpenMcDonald’s will launch a Collector’s Meal with six nostalgic cups on Aug. 13MyKayla Skinner calls on Simone Biles to stop feud amid threats More in News Opinion Columnists | Opinion: Google exemplifies the lack of competition in the tech world Gigantic Marilyn Monroe statue in Palm Springs will be moved after uproar Inside Project 2025: Former Trump official outlines hard right turn against abortion Tired of text spam from political fundraisers? 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California home insurance: What’s more important, coverage or cost? – The Vacaville Reporter Skip to content All Sections Subscribe Now 69°F Thursday, August 8th 2024 e-Edition Home Page Close MenuNews Local News News Alerts Crime and Public Safety Courts Business Best Reviews Marijuana Education Health Housing Transportation California News National News Sports Sports Local Sports High School Sports Athlete of the Week Oakland Athletics Raiders San Francisco 49ers San Francisco Giants Golden State Warriors San Jose Sharks Lifestyle Entertainment Food & Drink Movies Home & Garden Merriment on Main Comics Puzzles Events Obituaries Obituaries News Obituaries Place an Obituary Opinion Opinion Columnists Editorials Letters to the Editor Black issues Best of 2023 Magazine Advertising Advertise With Us A&E Source Local Guide Jobs Real Estate Today’s Ads Special Sections Sponsored Content Public Notices Subscribe Log In Logout Close Menu Sign up for email newsletters Sign Up Housing | California home insurance: What’s more… Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to print (Opens in new window) Subscribe Log In Account Settings Contact Us Log Out Spoof a user Sign up for email newsletters Sign Up Subscribe Log In Search 69°F Thursday, August 8th 2024 e-Edition Housing Local News Alerts Crime Courts Business Marijuana Education Health Housing Transportation California Nation Trending: Housing | The mysteries and collaborative fun of Pi Day at Buckingham Housing | At Vaca Pena, Holocaust survivor story comes to life in vivid detail Housing | Vacaville High works extra hard for baseball win Housing | Solano County law enforcement back initiative to reform Prop 47 as it gains momentum towards November ballot Housing | State IDs Kairos as ‘high-performing school’ NewsHousing SUBSCRIBER ONLY Housing | California home insurance: What’s more important, coverage or cost? State Farm and Allstate stopped writing new property policiesShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to print (Opens in new window)By Jon Lansner | jlansner@scng.com | Orange County RegisterUPDATED: June 30, 2023 at 9:04 a.m. California’s home insurance challenges are a complex web of risk management, construction costs, pricing algorithms, climate forecasts and regulatory minutia. Recently, State Farm and Allstate — two major home insurers in California – chose to stop writing new property policies, citing rising costs. Their moves raise fears of a potential statewide insurance shortage. This begs the question: What are fair premiums and how will they offer homeowners decent protection while providing insurers a fair profit? Now, insurance pricing logic makes the average human’s head hurt. It requires calculating the risks of everything from major catastrophes to modest calamities at just one home. The variables run from climate to construction to crime. Add that up and then make a big bet: How much money for how much protection? Let my trusty spreadsheet try to explain this odd dynamic, using some awfully basic math to highlight the tussle between a property owner and an insurer. Proper premiums We all know that many things tied to housing in California are expensive. So, it might surprise you to know that California’s home insurance rates look relatively affordable when compared with premiums across the U.S. California had the 37th-highest annual premiums at an average $1,434 a year to cover $360,000 in damages, according to my look at policy price rankings from Nerdwallet, Insurance.com, and Bankrate. The national median was $1,963. And the highest premiums were found in Middle America where wind and hail pound homes – Oklahoma at $4,766, then Nebraska at $3,985, Kansas at $3,774, Texas at $3,389 and Arkansas at $3,172. One argument the insurance industry makes to explain their wariness about protecting more California homes is that they don’t feel they’re being adequately compensated for their risks. Remember, insurance premiums are regulated by the state’s Department of Insurance. Costly construction Building housing in California isn’t cheap – and that’s a hefty slice of insurance cost. For starters, the California construction workers who’d fix your home are pricey. They earn the nation’s fifth-highest annualized average pay of $89,300, according to federal job stats. These jobs pay better only in Massachusetts ($101,200), New Jersey ($90,500), Illinois ($90,100), and New York ($89,700). Nationwide, construction wages run $80,300. Those paychecks are one reason why California ranked No. 3 among the states with an average construction expense of $188 per square foot, according to my combination of building expense benchmarks from Today’s Homeowner and Forbes. The national median was $149 and only two states were costlier: Hawaii at $206 and Alaska at $189. On the other hand, the typical home in California is far smaller than the typical American residence. That might offer some savings on a significant repair bill. The median California house is 1,860 square feet, 37th among the states vs. the 2,014 U.S. norm, says the American Home Size Index. The biggest houses are in Utah at 2,800 square feet and the smallest are in Hawaii at 1,164. Combine cost and size and you get a rudimentary replacement value for a quasi-typical California home: $349,000. That’s eighth-highest in the nation and far above the nation’s $304,000. The highest was in Utah at $427,000. The low was in Iowa at $213,000. Now before you scoff at those guestimates, much of a California home’s huge price tag comes from the lofty value of the land it sits on. You still have a lot even if, say, a wildfire burns the home to the ground. Another wrinkle is the age of housing. Old homes typically required the cost of being brought up to modern construction codes when repaired. California ranked 16th for the age of housing stock at 45 years vs. 35 nationally, according to the Census Bureau. The oldest housing is in New York at 63. The youngest is in Nevada at 25. What are the odds? The owner and the insurer both want the premium to properly reflect the likelihood a housing hazard will damage the property. And it’s a good bet that the largest perils can be tied to Mother Nature. California had the fifth-most dangerous conditions, according to my composite of climate-risk scorecards from CoreLogic, WorldPopulationReview, WalletHub, and MoneyGeek. No. 1 was Texas, then Louisiana, Mississippi and Oklahoma. The lowest risk, by the way, was found in Rhode Island, Delaware and Connecticut. However, this is a broad brush for scoring home insurance’s risks. Remember two large hazards — flooding and earthquakes — are not protected by a typical California home insurance policy. Plus, home policies also cover losses such as plumbing leaks theft and various legal liabilities. Bottom line This math barely scratches the surface of the pricing debate. Plus, no two owners or insurers will see the California risks the same way. And state insurance regulators have their own views, too. Look, there are far more questions than answers surrounding California’s home insurance headaches. But there’s an over-arching issue that California will have to figure out: What’s more important, coverage or cost? Should the regulation err on the side of availability of insurance in a state where owners have to protect considerable real estate values? Or is the price of protection paramount in a state where housing expenses aggressively stretch many family budgets? Jonathan Lansner is the business columnist for the Southern California News Group. He can be reached at jlansner@scng.com Originally Published: June 30, 2023 at 7:24 a.m.Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to print (Opens in new window) Most PopularMost Popular Nude Photo of Chris Brown Leaks OnlineNude Photo of Chris Brown Leaks OnlineCause of the 2020 Markley Fire? Arson, says a CAL FIRE battalion chiefCause of the 2020 Markley Fire? 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California home insurance: What’s more important, coverage or cost? – Chico Enterprise-Record Skip to content All Sections Subscribe Now 77°F Thursday, August 8th 2024 E-Edition Home Page Close MenuNews News Local News News Alerts Crime and Public Safety Courts Camp Fire Wildfires Health Housing Transportation Business Oroville Dam Sports Sports High School Sports Prep Athlete of the Week Oakland Athletics Raiders San Francisco 49ers San Francisco Giants San Jose Sharks Golden State Warriors Lifestyle Lifestyle Entertainment Chico Art Map Movies TV Listings Food & Drink Home & Garden Pets and Animals Horoscopes Comics Puzzles Events Obituaries Obituaries News Obituaries Place an Obituary Opinion Opinion Columnists Editorials Letters to the Editor Submit Letters Advertising Advertise with us Local Guide Jobs Real Estate Open Houses Today’s Ads Special Sections Sponsored Content Public Notices Subscribe Log In Logout Close Menu Sign up for email newsletters Sign Up to submit an obituary Please email your obituary to obituary@chicoer.com or call 530-896-7718. Please include your name, mailing address, and phone number along with the copy and photo. We also need a copy of the death certificate or name and number of the funeral home to verify death. Housing | California home insurance: What’s more… Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to print (Opens in new window) Subscribe Log In Account Settings Contact Us Log Out Spoof a user Sign up for email newsletters Sign Up Subscribe Log In Search 77°F Thursday, August 8th 2024 E-Edition Housing Local News Alerts Crime Courts Wildfires Health Housing Transportation Business Oroville Dam NewsHousing SUBSCRIBER ONLY Housing | California home insurance: What’s more important, coverage or cost? State Farm and Allstate stopped writing new property policiesShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to print (Opens in new window)By Jon Lansner | jlansner@scng.com | Orange County RegisterUPDATED: June 30, 2023 at 9:04 a.m. California’s home insurance challenges are a complex web of risk management, construction costs, pricing algorithms, climate forecasts and regulatory minutia. Recently, State Farm and Allstate — two major home insurers in California – chose to stop writing new property policies, citing rising costs. Their moves raise fears of a potential statewide insurance shortage. This begs the question: What are fair premiums and how will they offer homeowners decent protection while providing insurers a fair profit? Now, insurance pricing logic makes the average human’s head hurt. It requires calculating the risks of everything from major catastrophes to modest calamities at just one home. The variables run from climate to construction to crime. Add that up and then make a big bet: How much money for how much protection? Let my trusty spreadsheet try to explain this odd dynamic, using some awfully basic math to highlight the tussle between a property owner and an insurer. Proper premiums We all know that many things tied to housing in California are expensive. So, it might surprise you to know that California’s home insurance rates look relatively affordable when compared with premiums across the U.S. California had the 37th-highest annual premiums at an average $1,434 a year to cover $360,000 in damages, according to my look at policy price rankings from Nerdwallet, Insurance.com, and Bankrate. The national median was $1,963. And the highest premiums were found in Middle America where wind and hail pound homes – Oklahoma at $4,766, then Nebraska at $3,985, Kansas at $3,774, Texas at $3,389 and Arkansas at $3,172. One argument the insurance industry makes to explain their wariness about protecting more California homes is that they don’t feel they’re being adequately compensated for their risks. Remember, insurance premiums are regulated by the state’s Department of Insurance. Costly construction Building housing in California isn’t cheap – and that’s a hefty slice of insurance cost. For starters, the California construction workers who’d fix your home are pricey. They earn the nation’s fifth-highest annualized average pay of $89,300, according to federal job stats. These jobs pay better only in Massachusetts ($101,200), New Jersey ($90,500), Illinois ($90,100), and New York ($89,700). Nationwide, construction wages run $80,300. Those paychecks are one reason why California ranked No. 3 among the states with an average construction expense of $188 per square foot, according to my combination of building expense benchmarks from Today’s Homeowner and Forbes. The national median was $149 and only two states were costlier: Hawaii at $206 and Alaska at $189. On the other hand, the typical home in California is far smaller than the typical American residence. That might offer some savings on a significant repair bill. The median California house is 1,860 square feet, 37th among the states vs. the 2,014 U.S. norm, says the American Home Size Index. The biggest houses are in Utah at 2,800 square feet and the smallest are in Hawaii at 1,164. Combine cost and size and you get a rudimentary replacement value for a quasi-typical California home: $349,000. That’s eighth-highest in the nation and far above the nation’s $304,000. The highest was in Utah at $427,000. The low was in Iowa at $213,000. Now before you scoff at those guestimates, much of a California home’s huge price tag comes from the lofty value of the land it sits on. You still have a lot even if, say, a wildfire burns the home to the ground. Another wrinkle is the age of housing. Old homes typically required the cost of being brought up to modern construction codes when repaired. California ranked 16th for the age of housing stock at 45 years vs. 35 nationally, according to the Census Bureau. The oldest housing is in New York at 63. The youngest is in Nevada at 25. What are the odds? The owner and the insurer both want the premium to properly reflect the likelihood a housing hazard will damage the property. And it’s a good bet that the largest perils can be tied to Mother Nature. California had the fifth-most dangerous conditions, according to my composite of climate-risk scorecards from CoreLogic, WorldPopulationReview, WalletHub, and MoneyGeek. No. 1 was Texas, then Louisiana, Mississippi and Oklahoma. The lowest risk, by the way, was found in Rhode Island, Delaware and Connecticut. However, this is a broad brush for scoring home insurance’s risks. Remember two large hazards — flooding and earthquakes — are not protected by a typical California home insurance policy. Plus, home policies also cover losses such as plumbing leaks theft and various legal liabilities. Bottom line This math barely scratches the surface of the pricing debate. Plus, no two owners or insurers will see the California risks the same way. And state insurance regulators have their own views, too. Look, there are far more questions than answers surrounding California’s home insurance headaches. But there’s an over-arching issue that California will have to figure out: What’s more important, coverage or cost? Should the regulation err on the side of availability of insurance in a state where owners have to protect considerable real estate values? Or is the price of protection paramount in a state where housing expenses aggressively stretch many family budgets? Jonathan Lansner is the business columnist for the Southern California News Group. He can be reached at jlansner@scng.com Originally Published: June 30, 2023 at 7:24 a.m.Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to print (Opens in new window) Most PopularMost PopularEaton Road homeless camp cleanup beginsEaton Road homeless camp cleanup beginsCleanup operations continue at Eaton Road homeless campCleanup operations continue at Eaton Road homeless campPark Fire now nearly 423,000 acres; still 34 percent containedPark Fire now nearly 423,000 acres; still 34 percent containedPlea entry delayed in Ronnie Dean Stout’s Park Fire arson casePlea entry delayed in Ronnie Dean Stout's Park Fire arson caseSuspect dies in hospital after shooting, police car jackingSuspect dies in hospital after shooting, police car jackingCity Council mostly mum on closed sessionCity Council mostly mum on closed sessionDeath notices received Aug. 5Death notices received Aug. 5Fire Safe Council hosts Firewise workshopFire Safe Council hosts Firewise workshop Trending Nationally Taylor Swift concerts in Vienna canceled after terror plot uncoveredMigrant day laborers sue Home Depot, CPD and city of Chicago, alleging abuse and harassmentNew Jersey boat reels in bigeye tuna potentially worth $4.2 million in White Marlin OpenMcDonald’s will launch a Collector’s Meal with six nostalgic cups on Aug. 13MyKayla Skinner calls on Simone Biles to stop feud amid threats More in Housing Business | Stock market finally discovers economy is cooling. 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State Farm and Allstate stopped writing new property policiesShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on Reddit (Opens in new window)Click to print (Opens in new window)By Jonathan Lansner | jlansner@scng.com | Orange County RegisterUPDATED: June 30, 2023 at 9:04 a.m. California’s home insurance challenges are a complex web of risk management, construction costs, pricing algorithms, climate forecasts and regulatory minutia. Recently, State Farm and Allstate — two major home insurers in California – chose to stop writing new property policies, citing rising costs. Their moves raise fears of a potential statewide insurance shortage. This begs the question: What are fair premiums and how will they offer homeowners decent protection while providing insurers a fair profit? Now, insurance pricing logic makes the average human’s head hurt. It requires calculating the risks of everything from major catastrophes to modest calamities at just one home. The variables run from climate to construction to crime. Add that up and then make a big bet: How much money for how much protection? Let my trusty spreadsheet try to explain this odd dynamic, using some awfully basic math to highlight the tussle between a property owner and an insurer. Proper premiums We all know that many things tied to housing in California are expensive. So, it might surprise you to know that California’s home insurance rates look relatively affordable when compared with premiums across the U.S. California had the 37th-highest annual premiums at an average $1,434 a year to cover $360,000 in damages, according to my look at policy price rankings from Nerdwallet, Insurance.com, and Bankrate. The national median was $1,963. And the highest premiums were found in Middle America where wind and hail pound homes – Oklahoma at $4,766, then Nebraska at $3,985, Kansas at $3,774, Texas at $3,389 and Arkansas at $3,172. One argument the insurance industry makes to explain their wariness about protecting more California homes is that they don’t feel they’re being adequately compensated for their risks. Remember, insurance premiums are regulated by the state’s Department of Insurance. Costly construction Building housing in California isn’t cheap – and that’s a hefty slice of insurance cost. For starters, the California construction workers who’d fix your home are pricey. They earn the nation’s fifth-highest annualized average pay of $89,300, according to federal job stats. These jobs pay better only in Massachusetts ($101,200), New Jersey ($90,500), Illinois ($90,100), and New York ($89,700). Nationwide, construction wages run $80,300. Those paychecks are one reason why California ranked No. 3 among the states with an average construction expense of $188 per square foot, according to my combination of building expense benchmarks from Today’s Homeowner and Forbes. The national median was $149 and only two states were costlier: Hawaii at $206 and Alaska at $189. On the other hand, the typical home in California is far smaller than the typical American residence. That might offer some savings on a significant repair bill. The median California house is 1,860 square feet, 37th among the states vs. the 2,014 U.S. norm, says the American Home Size Index. The biggest houses are in Utah at 2,800 square feet and the smallest are in Hawaii at 1,164. Combine cost and size and you get a rudimentary replacement value for a quasi-typical California home: $349,000. That’s eighth-highest in the nation and far above the nation’s $304,000. The highest was in Utah at $427,000. The low was in Iowa at $213,000. Now before you scoff at those guestimates, much of a California home’s huge price tag comes from the lofty value of the land it sits on. You still have a lot even if, say, a wildfire burns the home to the ground. Another wrinkle is the age of housing. Old homes typically required the cost of being brought up to modern construction codes when repaired. California ranked 16th for the age of housing stock at 45 years vs. 35 nationally, according to the Census Bureau. The oldest housing is in New York at 63. The youngest is in Nevada at 25. What are the odds? The owner and the insurer both want the premium to properly reflect the likelihood a housing hazard will damage the property. And it’s a good bet that the largest perils can be tied to Mother Nature. California had the fifth-most dangerous conditions, according to my composite of climate-risk scorecards from CoreLogic, WorldPopulationReview, WalletHub, and MoneyGeek. No. 1 was Texas, then Louisiana, Mississippi and Oklahoma. The lowest risk, by the way, was found in Rhode Island, Delaware and Connecticut. However, this is a broad brush for scoring home insurance’s risks. Remember two large hazards — flooding and earthquakes — are not protected by a typical California home insurance policy. Plus, home policies also cover losses such as plumbing leaks theft and various legal liabilities. Bottom line This math barely scratches the surface of the pricing debate. Plus, no two owners or insurers will see the California risks the same way. And state insurance regulators have their own views, too. Look, there are far more questions than answers surrounding California’s home insurance headaches. But there’s an over-arching issue that California will have to figure out: What’s more important, coverage or cost? Should the regulation err on the side of availability of insurance in a state where owners have to protect considerable real estate values? Or is the price of protection paramount in a state where housing expenses aggressively stretch many family budgets? Jonathan Lansner is the business columnist for the Southern California News Group. He can be reached at jlansner@scng.com Related Articles Housing | California condo owners to get expanded FAIR plan fire insurance Housing | California homeowners sue FAIR Plan, insurer of last resort, over smoke damage coverage Housing | Map: Here’s where Allstate wants to raise California homeowners’ insurance rates Housing | San Bernardino County supervisors ask state to declare emergency over homeowners insurance Housing | State Farm seeks ‘massive’ insurance rate hike for California homeowners Originally Published: June 30, 2023 at 7:24 a.m.Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on Reddit (Opens in new window)Click to print (Opens in new window) Newsroom Guidelines News Tips Contact Us Report an Error Most PopularMost PopularLA City Council committee to consider $400 million for LAX People MoverLA City Council committee to consider $400 million for LAX People Mover5.2 magnitude earthquake centered near Lamont shakes Southern California5.2 magnitude earthquake centered near Lamont shakes Southern CaliforniaMcDonald’s will launch a Collector’s Meal with six nostalgic cups on Aug. 13McDonald’s will launch a Collector’s Meal with six nostalgic cups on Aug. 13Project Homekey housing project for homeless breaks ground in Van NuysProject Homekey housing project for homeless breaks ground in Van NuysCounty reward returns in death of Mitrice Richardson, who went missing after 2009 Malibu arrestCounty reward returns in death of Mitrice Richardson, who went missing after 2009 Malibu arrestRebecca Grossman moved to state prison to serve 15 years to life after crash death convictionRebecca Grossman moved to state prison to serve 15 years to life after crash death conviction37 tied to South LA gang accused of crimes such as murder, drug trafficking or extortion37 tied to South LA gang accused of crimes such as murder, drug trafficking or extortionSkydiving instructor and student killed in Perris after ‘dust devil’ caused turbulent landingSkydiving instructor and student killed in Perris after ‘dust devil’ caused turbulent landingMichelin Guide reveals star Los Angeles County restaurants for 2024Michelin Guide reveals star Los Angeles County restaurants for 2024Rams DB Quentin Lake standing out during training campRams DB Quentin Lake standing out during training camp Trending Nationally Taylor Swift concerts in Vienna canceled after terror plot uncoveredMigrant day laborers sue Home Depot, CPD and city of Chicago, alleging abuse and harassmentNew Jersey boat reels in bigeye tuna potentially worth $4.2 million in White Marlin OpenMcDonald’s will launch a Collector’s Meal with six nostalgic cups on Aug. 13MyKayla Skinner calls on Simone Biles to stop feud amid threats More in Housing Housing | More Americans tapping home equity credit lines, NY Fed says Housing | Riverside ranked as Southern California’s best city for apartment hunting SUBSCRIBER ONLY Housing | Topanga home of Virginia T. 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California home insurance: What’s more important, coverage or cost? – Press Telegram Skip to content All Sections Subscribe Now 66°F Thursday, August 8th 2024 e-Edition Home Page Close MenuNews News Crime and Public Safety Investigative Reporting Politics Health Environment Business Best Reviews Housing Jobs Local News Local News Long Beach Los Angeles Los Angeles County Sports Sports High School Sports Chargers Rams Lakers Clippers Dodgers Angels College Sports UCLA Sports USC Sports Long Beach State sports Kings Ducks Olympics Boxing/MMA Soccer Horse Racing Things To Do Things To Do Restaurants Food and Drink Movies Music + Concerts Theater TV and Streaming Home + Garden Travel Amusement Parks Comics Puzzles Events Obituaries Obituaries News Obituaries Place an Obituary Opinion Opinion Editorials Opinion Columns Commentary Letters to the Editor Editorial Board Endorsements The Grunion The Grunion News Education Sports Things to Do Opinion E-Edition Advertising Contact Us SCNG Premium The T.E.A. Subscribe Press-Telegram Store Log In Logout Close Menu Get the latest news delivered daily! Sign Up Housing | California home insurance: What’s more… Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on Reddit (Opens in new window)Click to print (Opens in new window) Subscribe Log In Account Settings Contact Us Log Out Spoof a user Get the latest news delivered daily! Sign Up Subscribe Log In Search 66°F Thursday, August 8th 2024 e-Edition Housing Crime Investigative Reporting Politics Environment Business Housing Jobs Trending: Housing | Joe Jost’s turns 100 Housing | New electricity charge Housing | LA Olympics a bad idea? Housing | Former LB city manager dies Housing | Olympics: How to watch 🥇 NewsHousingOpinion ColumnistOpinion Columnist Represents the opinion of the author who is either a paid columnist or an unpaid guest columnist. SUBSCRIBER ONLY Housing | California home insurance: What’s more important, coverage or cost? State Farm and Allstate stopped writing new property policiesShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on Reddit (Opens in new window)Click to print (Opens in new window)By Jonathan Lansner | jlansner@scng.com | Orange County RegisterUPDATED: June 30, 2023 at 9:04 a.m. California’s home insurance challenges are a complex web of risk management, construction costs, pricing algorithms, climate forecasts and regulatory minutia. Recently, State Farm and Allstate — two major home insurers in California – chose to stop writing new property policies, citing rising costs. Their moves raise fears of a potential statewide insurance shortage. This begs the question: What are fair premiums and how will they offer homeowners decent protection while providing insurers a fair profit? Now, insurance pricing logic makes the average human’s head hurt. It requires calculating the risks of everything from major catastrophes to modest calamities at just one home. The variables run from climate to construction to crime. Add that up and then make a big bet: How much money for how much protection? Let my trusty spreadsheet try to explain this odd dynamic, using some awfully basic math to highlight the tussle between a property owner and an insurer. Proper premiums We all know that many things tied to housing in California are expensive. So, it might surprise you to know that California’s home insurance rates look relatively affordable when compared with premiums across the U.S. California had the 37th-highest annual premiums at an average $1,434 a year to cover $360,000 in damages, according to my look at policy price rankings from Nerdwallet, Insurance.com, and Bankrate. The national median was $1,963. And the highest premiums were found in Middle America where wind and hail pound homes – Oklahoma at $4,766, then Nebraska at $3,985, Kansas at $3,774, Texas at $3,389 and Arkansas at $3,172. One argument the insurance industry makes to explain their wariness about protecting more California homes is that they don’t feel they’re being adequately compensated for their risks. Remember, insurance premiums are regulated by the state’s Department of Insurance. Costly construction Building housing in California isn’t cheap – and that’s a hefty slice of insurance cost. For starters, the California construction workers who’d fix your home are pricey. They earn the nation’s fifth-highest annualized average pay of $89,300, according to federal job stats. These jobs pay better only in Massachusetts ($101,200), New Jersey ($90,500), Illinois ($90,100), and New York ($89,700). Nationwide, construction wages run $80,300. Those paychecks are one reason why California ranked No. 3 among the states with an average construction expense of $188 per square foot, according to my combination of building expense benchmarks from Today’s Homeowner and Forbes. The national median was $149 and only two states were costlier: Hawaii at $206 and Alaska at $189. On the other hand, the typical home in California is far smaller than the typical American residence. That might offer some savings on a significant repair bill. The median California house is 1,860 square feet, 37th among the states vs. the 2,014 U.S. norm, says the American Home Size Index. The biggest houses are in Utah at 2,800 square feet and the smallest are in Hawaii at 1,164. Combine cost and size and you get a rudimentary replacement value for a quasi-typical California home: $349,000. That’s eighth-highest in the nation and far above the nation’s $304,000. The highest was in Utah at $427,000. The low was in Iowa at $213,000. Now before you scoff at those guestimates, much of a California home’s huge price tag comes from the lofty value of the land it sits on. You still have a lot even if, say, a wildfire burns the home to the ground. Another wrinkle is the age of housing. Old homes typically required the cost of being brought up to modern construction codes when repaired. California ranked 16th for the age of housing stock at 45 years vs. 35 nationally, according to the Census Bureau. The oldest housing is in New York at 63. The youngest is in Nevada at 25. What are the odds? The owner and the insurer both want the premium to properly reflect the likelihood a housing hazard will damage the property. And it’s a good bet that the largest perils can be tied to Mother Nature. California had the fifth-most dangerous conditions, according to my composite of climate-risk scorecards from CoreLogic, WorldPopulationReview, WalletHub, and MoneyGeek. No. 1 was Texas, then Louisiana, Mississippi and Oklahoma. The lowest risk, by the way, was found in Rhode Island, Delaware and Connecticut. However, this is a broad brush for scoring home insurance’s risks. Remember two large hazards — flooding and earthquakes — are not protected by a typical California home insurance policy. Plus, home policies also cover losses such as plumbing leaks theft and various legal liabilities. Bottom line This math barely scratches the surface of the pricing debate. Plus, no two owners or insurers will see the California risks the same way. And state insurance regulators have their own views, too. Look, there are far more questions than answers surrounding California’s home insurance headaches. But there’s an over-arching issue that California will have to figure out: What’s more important, coverage or cost? Should the regulation err on the side of availability of insurance in a state where owners have to protect considerable real estate values? Or is the price of protection paramount in a state where housing expenses aggressively stretch many family budgets? Jonathan Lansner is the business columnist for the Southern California News Group. He can be reached at jlansner@scng.com Related Articles Housing | California condo owners to get expanded FAIR plan fire insurance Housing | California homeowners sue FAIR Plan, insurer of last resort, over smoke damage coverage Housing | Map: Here’s where Allstate wants to raise California homeowners’ insurance rates Housing | San Bernardino County supervisors ask state to declare emergency over homeowners insurance Housing | State Farm seeks ‘massive’ insurance rate hike for California homeowners Originally Published: June 30, 2023 at 7:24 a.m.Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on Reddit (Opens in new window)Click to print (Opens in new window) Newsroom Guidelines News Tips Contact Us Report an Error Most PopularMost Popular5.2 magnitude earthquake centered near Lamont shakes Southern California5.2 magnitude earthquake centered near Lamont shakes Southern California16-year-old boy attacked by group, killed in North Long Beach16-year-old boy attacked by group, killed in North Long BeachLeadership Long Beach celebrates 35th anniversary, welcomes class of 2025Leadership Long Beach celebrates 35th anniversary, welcomes class of 2025Pax Jolie-Pitt often rode electric bike around L.A. without helmet, getting into ‘accidents,’ before head injury: reportPax Jolie-Pitt often rode electric bike around L.A. without helmet, getting into ‘accidents,’ before head injury: reportParker’s Lighthouse in Long Beach celebrates 40th anniversary with throwback menusParker’s Lighthouse in Long Beach celebrates 40th anniversary with throwback menusCounty reward returns in death of Mitrice Richardson, who went missing after 2009 Malibu arrestCounty reward returns in death of Mitrice Richardson, who went missing after 2009 Malibu arrestMcDonald’s will launch a Collector’s Meal with six nostalgic cups on Aug. 13McDonald’s will launch a Collector’s Meal with six nostalgic cups on Aug. 13Rich Archbold: Joe Jost’s celebrates 100 years as Long Beach’s landmark tavernRich Archbold: Joe Jost’s celebrates 100 years as Long Beach’s landmark tavernCostco card entry scanners popping up at Southern California warehousesCostco card entry scanners popping up at Southern California warehousesLong Beach looking for operator for proposed amphitheater, to be near Queen MaryLong Beach looking for operator for proposed amphitheater, to be near Queen Mary Trending Nationally Taylor Swift concerts in Vienna canceled after terror plot uncoveredMigrant day laborers sue Home Depot, CPD and city of Chicago, alleging abuse and harassmentNew Jersey boat reels in bigeye tuna potentially worth $4.2 million in White Marlin OpenMcDonald’s will launch a Collector’s Meal with six nostalgic cups on Aug. 13MyKayla Skinner calls on Simone Biles to stop feud amid threats More in Housing Housing | More Americans tapping home equity credit lines, NY Fed says Housing | Riverside ranked as Southern California’s best city for apartment hunting Housing | Topanga home of Virginia T. Norwood, ‘the mother of Landsat’ imaging, seeks $2.3M Business | Stock market finally discovers economy is cooling. Indexes take big dives 2023 June 30 Subscribe Sign Up For Newsletters e-Edition Breaking News Contact Us Corrections Work With Us Newspapers in Education Worship Directory Press Telegram Store About Press Telegram About Southern California News Group MediaNews Group Partners Local Job Board Live Traffic Map Privacy Policy Accessibility News Archive Reader’s Choice Marketplace Classified Legals Obituary LB City Guide Advertising Solutions Get in Touch with a Marketing Strategist Request Media Kit Creative Services Content Marketing Reader Rewards Photo Reprints Sponsored Access Sponsor a Student Subscribe Now Terms of Use Cookie Policy California Notice at Collection Notice of Financial Incentive Do Not Sell/Share My Personal Information Arbitration Powered by WordPress.com VIP Copyright © 2024 MediaNews Group Close

California home insurance: What’s more important, coverage or cost? – San Gabriel Valley Tribune Skip to content All Sections Subscribe Now 63°F Thursday, August 8th 2024 e-Edition Home Page Close MenuNews News Crime and Public Safety Investigative Reporting Politics Health Environment Business Best Reviews Housing Jobs Local News Local News Covina West Covina Baldwin Park El Monte South El Monte San Gabriel Glendora Azusa Monrovia City of Industry Irwindale Arcadia Diamond Bar Walnut Alhambra Pasadena La Puente Montebello Los Angeles County Sports Sports High School Sports Chargers Rams Lakers Clippers Dodgers Angels College Sports UCLA Sports USC Sports Kings Ducks Olympics Boxing/MMA Soccer Horse Racing Things To Do Things To Do Restaurants Food and Drink Amusement Parks Movies Music + Concerts Theater TV and Streaming Home + Garden Travel Comics Puzzles Events Obituaries Obituaries News Obituaries Place an Obituary Opinion Opinion Editorials Opinion Columns Commentary Letters to the Editor Editorial Board Endorsements SCNG Premium The T.E.A. Subscribe Tribune Store Log In Logout Close Menu Get the latest news delivered daily! Sign Up Housing | California home insurance: What’s more… Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on Reddit (Opens in new window)Click to print (Opens in new window) Subscribe Log In Account Settings Contact Us Log Out Spoof a user Get the latest news delivered daily! Sign Up Subscribe Log In Search 63°F Thursday, August 8th 2024 e-Edition Housing Crime Investigative Reporting Politics Environment Business Housing Jobs Trending: Housing | Aide suspended over Trump gear Housing | $30.9M Nogales project Housing | New electricity charge Housing | Football preview: Running backs Housing | Olympics: How to watch 🥇 NewsHousingOpinion ColumnistOpinion Columnist Represents the opinion of the author who is either a paid columnist or an unpaid guest columnist. SUBSCRIBER ONLY Housing | California home insurance: What’s more important, coverage or cost? State Farm and Allstate stopped writing new property policiesShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on Reddit (Opens in new window)Click to print (Opens in new window)By Jonathan Lansner | jlansner@scng.com | Orange County RegisterUPDATED: June 30, 2023 at 9:04 a.m. California’s home insurance challenges are a complex web of risk management, construction costs, pricing algorithms, climate forecasts and regulatory minutia. Recently, State Farm and Allstate — two major home insurers in California – chose to stop writing new property policies, citing rising costs. Their moves raise fears of a potential statewide insurance shortage. This begs the question: What are fair premiums and how will they offer homeowners decent protection while providing insurers a fair profit? Now, insurance pricing logic makes the average human’s head hurt. It requires calculating the risks of everything from major catastrophes to modest calamities at just one home. The variables run from climate to construction to crime. Add that up and then make a big bet: How much money for how much protection? Let my trusty spreadsheet try to explain this odd dynamic, using some awfully basic math to highlight the tussle between a property owner and an insurer. Proper premiums We all know that many things tied to housing in California are expensive. So, it might surprise you to know that California’s home insurance rates look relatively affordable when compared with premiums across the U.S. California had the 37th-highest annual premiums at an average $1,434 a year to cover $360,000 in damages, according to my look at policy price rankings from Nerdwallet, Insurance.com, and Bankrate. The national median was $1,963. And the highest premiums were found in Middle America where wind and hail pound homes – Oklahoma at $4,766, then Nebraska at $3,985, Kansas at $3,774, Texas at $3,389 and Arkansas at $3,172. One argument the insurance industry makes to explain their wariness about protecting more California homes is that they don’t feel they’re being adequately compensated for their risks. Remember, insurance premiums are regulated by the state’s Department of Insurance. Costly construction Building housing in California isn’t cheap – and that’s a hefty slice of insurance cost. For starters, the California construction workers who’d fix your home are pricey. They earn the nation’s fifth-highest annualized average pay of $89,300, according to federal job stats. These jobs pay better only in Massachusetts ($101,200), New Jersey ($90,500), Illinois ($90,100), and New York ($89,700). Nationwide, construction wages run $80,300. Those paychecks are one reason why California ranked No. 3 among the states with an average construction expense of $188 per square foot, according to my combination of building expense benchmarks from Today’s Homeowner and Forbes. The national median was $149 and only two states were costlier: Hawaii at $206 and Alaska at $189. On the other hand, the typical home in California is far smaller than the typical American residence. That might offer some savings on a significant repair bill. The median California house is 1,860 square feet, 37th among the states vs. the 2,014 U.S. norm, says the American Home Size Index. The biggest houses are in Utah at 2,800 square feet and the smallest are in Hawaii at 1,164. Combine cost and size and you get a rudimentary replacement value for a quasi-typical California home: $349,000. That’s eighth-highest in the nation and far above the nation’s $304,000. The highest was in Utah at $427,000. The low was in Iowa at $213,000. Now before you scoff at those guestimates, much of a California home’s huge price tag comes from the lofty value of the land it sits on. You still have a lot even if, say, a wildfire burns the home to the ground. Another wrinkle is the age of housing. Old homes typically required the cost of being brought up to modern construction codes when repaired. California ranked 16th for the age of housing stock at 45 years vs. 35 nationally, according to the Census Bureau. The oldest housing is in New York at 63. The youngest is in Nevada at 25. What are the odds? The owner and the insurer both want the premium to properly reflect the likelihood a housing hazard will damage the property. And it’s a good bet that the largest perils can be tied to Mother Nature. California had the fifth-most dangerous conditions, according to my composite of climate-risk scorecards from CoreLogic, WorldPopulationReview, WalletHub, and MoneyGeek. No. 1 was Texas, then Louisiana, Mississippi and Oklahoma. The lowest risk, by the way, was found in Rhode Island, Delaware and Connecticut. However, this is a broad brush for scoring home insurance’s risks. Remember two large hazards — flooding and earthquakes — are not protected by a typical California home insurance policy. Plus, home policies also cover losses such as plumbing leaks theft and various legal liabilities. Bottom line This math barely scratches the surface of the pricing debate. Plus, no two owners or insurers will see the California risks the same way. And state insurance regulators have their own views, too. Look, there are far more questions than answers surrounding California’s home insurance headaches. But there’s an over-arching issue that California will have to figure out: What’s more important, coverage or cost? Should the regulation err on the side of availability of insurance in a state where owners have to protect considerable real estate values? Or is the price of protection paramount in a state where housing expenses aggressively stretch many family budgets? Jonathan Lansner is the business columnist for the Southern California News Group. He can be reached at jlansner@scng.com Related Articles Housing | California condo owners to get expanded FAIR plan fire insurance Housing | California homeowners sue FAIR Plan, insurer of last resort, over smoke damage coverage Housing | Map: Here’s where Allstate wants to raise California homeowners’ insurance rates Housing | San Bernardino County supervisors ask state to declare emergency over homeowners insurance Housing | State Farm seeks ‘massive’ insurance rate hike for California homeowners Originally Published: June 30, 2023 at 7:24 a.m.Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on Reddit (Opens in new window)Click to print (Opens in new window) Newsroom Guidelines News Tips Contact Us Report an Error Most PopularMost PopularSan Gabriel Valley football preview: No. 8 Northview aims for league title, deep playoff runSan Gabriel Valley football preview: No. 8 Northview aims for league title, deep playoff run5.2 magnitude earthquake centered near Lamont shakes Southern California5.2 magnitude earthquake centered near Lamont shakes Southern California$30.9 million Nogales High construction project breaks ground$30.9 million Nogales High construction project breaks groundAt Hacienda La Puente Unified it’s a new beginning, a year after 4 schools closeAt Hacienda La Puente Unified it’s a new beginning, a year after 4 schools closeSkydiving instructor and student killed in Perris after ‘dust devil’ caused turbulent landingSkydiving instructor and student killed in Perris after ‘dust devil’ caused turbulent landingMontebello Unified superintendent not properly credentialed, lawsuit claimsMontebello Unified superintendent not properly credentialed, lawsuit claimsAfter slow start, Damien football pulls away against Charter OakAfter slow start, Damien football pulls away against Charter OakSan Gabriel Valley football preview: No. 9 Bonita has high ceiling with area’s best top-end talentSan Gabriel Valley football preview: No. 9 Bonita has high ceiling with area’s best top-end talentCostco card entry scanners popping up at Southern California warehousesCostco card entry scanners popping up at Southern California warehousesEl Monte Legion Stadium was a mecca for rock ‘n’ roll in the ’50s for SoCal teensEl Monte Legion Stadium was a mecca for rock ‘n’ roll in the ’50s for SoCal teens Trending Nationally Taylor Swift concerts in Vienna canceled after terror plot uncoveredMigrant day laborers sue Home Depot, CPD and city of Chicago, alleging abuse and harassmentNew Jersey boat reels in bigeye tuna potentially worth $4.2 million in White Marlin OpenMcDonald’s will launch a Collector’s Meal with six nostalgic cups on Aug. 13MyKayla Skinner calls on Simone Biles to stop feud amid threats More in Housing Housing | More Americans tapping home equity credit lines, NY Fed says Housing | Riverside ranked as Southern California’s best city for apartment hunting Housing | Topanga home of Virginia T. Norwood, ‘the mother of Landsat’ imaging, seeks $2.3M Business | Stock market finally discovers economy is cooling. Indexes take big dives 2023 June 30 Subscribe Sign Up For Newsletters e-Edition Breaking News Contact Us Corrections Work With Us Newspapers in Education Tribune Store About SGV Tribune About Southern California News Group MediaNews Group Partners Live Traffic Map Privacy Policy Accessibility News Archive Reader’s Choice Marketplace Classified Local Job Board Obituary Legals Advertising Solutions Get in Touch with a Marketing Strategist Request Media Kit Creative Services Reader Rewards Photo Reprints Sponsored Access Sponsor a Student Content Marketing Subscribe Now Terms of Use Cookie Policy California Notice at Collection Notice of Financial Incentive Do Not Sell/Share My Personal Information Arbitration Powered by WordPress.com VIP Copyright © 2024 MediaNews Group Close

California home insurance: What’s more important, coverage or cost? Skip to content All Sections Subscribe Now 63°F Thursday, August 8th 2024 Today's e-Edition Home Page Close MenuNews News Latest Headlines Crime and Public Safety California News National News World News Politics Education Environment Mr. Roadshow Transportation Weather SiliconValley.com The Cannifornian Weather Local Local News Map Bay Area Oakland Alameda County Contra Costa County East Contra Costa West Contra Costa Central Contra Costa Obituaries Obituaries News Obituaries Place an Obituary Opinion Opinion Editorials Opinion Columnists Letters to the Editor Commentary Cartoons Election Endorsements Sports Sports Oakland Athletics Golden State Warriors Raiders San Francisco 49ers San Francisco Giants San Jose Sharks San Jose Earthquakes Bay FC Olympics College Sports Wilner Hotline High School Sports Other Sports Sports Blogs Sports Columnists Golden State Valkyrie Things To Do Things To Do Entertainment Restaurants, Food and Drink Celebrities TV Streaming Movies Music Theater Lifestyle Advice Travel Pets and Animals Comics Puzzles and Games Horoscopes Event Calendar Business Business Housing Economy Technology Best Reviews Real Estate Marketplace Advertise Subscribe Log In Logout Close Menu Get Morning Report and other email newsletters Sign Up Housing | California home insurance: What’s more… Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to print (Opens in new window)Click to email a link to a friend (Opens in new window) Subscribe Log In Account Settings Contact Us Log Out Spoof a user Get Morning Report and other email newsletters Sign Up Subscribe Log In Search 63°F Thursday, August 8th 2024 Today's e-Edition Housing Business Housing Real Estate Economy Technology SiliconValley.com Trending: Housing | Map: Park Fire grows Housing | 5.2 SoCal quake Housing | Fired for calling out racism? Housing | West Nile death Housing | ‘Black Panther’ actress dies Housing | Swift concerts canceled NewsHousingOpinion ColumnistOpinion Columnist Represents the opinion of the author who is either a paid columnist or an unpaid guest columnist. SUBSCRIBER ONLY Housing | California home insurance: What’s more important, coverage or cost? State Farm and Allstate stopped writing new property policiesShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to print (Opens in new window)Click to email a link to a friend (Opens in new window)By Jonathan Lansner | jlansner@scng.com | Orange County RegisterUPDATED: June 30, 2023 at 9:22 a.m. California’s home insurance challenges are a complex web of risk management, construction costs, pricing algorithms, climate forecasts and regulatory minutia. Recently, State Farm and Allstate — two major home insurers in California – chose to stop writing new property policies, citing rising costs. Their moves raise fears of a potential statewide insurance shortage. This begs the question: What are fair premiums and how will they offer homeowners decent protection while providing insurers a fair profit? Now, insurance pricing logic makes the average human’s head hurt. It requires calculating the risks of everything from major catastrophes to modest calamities at just one home. The variables run from climate to construction to crime. Add that up and then make a big bet: How much money for how much protection? Let my trusty spreadsheet try to explain this odd dynamic, using some awfully basic math to highlight the tussle between a property owner and an insurer. Proper premiums We all know that many things tied to housing in California are expensive. So, it might surprise you to know that California’s home insurance rates look relatively affordable when compared with premiums across the U.S. California had the 37th-highest annual premiums at an average $1,434 a year to cover $360,000 in damages, according to my look at policy price rankings from Nerdwallet, Insurance.com, and Bankrate. The national median was $1,963. And the highest premiums were found in Middle America where wind and hail pound homes – Oklahoma at $4,766, then Nebraska at $3,985, Kansas at $3,774, Texas at $3,389 and Arkansas at $3,172. One argument the insurance industry makes to explain their wariness about protecting more California homes is that they don’t feel they’re being adequately compensated for their risks. Remember, insurance premiums are regulated by the state’s Department of Insurance. Costly construction Building housing in California isn’t cheap – and that’s a hefty slice of insurance cost. For starters, the California construction workers who’d fix your home are pricey. They earn the nation’s fifth-highest annualized average pay of $89,300, according to federal job stats. These jobs pay better only in Massachusetts ($101,200), New Jersey ($90,500), Illinois ($90,100), and New York ($89,700). Nationwide, construction wages run $80,300. Those paychecks are one reason why California ranked No. 3 among the states with an average construction expense of $188 per square foot, according to my combination of building expense benchmarks from Today’s Homeowner and Forbes. The national median was $149 and only two states were costlier: Hawaii at $206 and Alaska at $189. On the other hand, the typical home in California is far smaller than the typical American residence. That might offer some savings on a significant repair bill. The median California house is 1,860 square feet, 37th among the states vs. the 2,014 U.S. norm, says the American Home Size Index. The biggest houses are in Utah at 2,800 square feet and the smallest are in Hawaii at 1,164. Combine cost and size and you get a rudimentary replacement value for a quasi-typical California home: $349,000. That’s eighth-highest in the nation and far above the nation’s $304,000. The highest was in Utah at $427,000. The low was in Iowa at $213,000. Now before you scoff at those guestimates, much of a California home’s huge price tag comes from the lofty value of the land it sits on. You still have a lot even if, say, a wildfire burns the home to the ground. Another wrinkle is the age of housing. Old homes typically required the cost of being brought up to modern construction codes when repaired. California ranked 16th for the age of housing stock at 45 years vs. 35 nationally, according to the Census Bureau. The oldest housing is in New York at 63. The youngest is in Nevada at 25. What are the odds? The owner and the insurer both want the premium to properly reflect the likelihood a housing hazard will damage the property. And it’s a good bet that the largest perils can be tied to Mother Nature. California had the fifth-most dangerous conditions, according to my composite of climate-risk scorecards from CoreLogic, WorldPopulationReview, WalletHub, and MoneyGeek. No. 1 was Texas, then Louisiana, Mississippi and Oklahoma. The lowest risk, by the way, was found in Rhode Island, Delaware and Connecticut. However, this is a broad brush for scoring home insurance’s risks. Remember two large hazards — flooding and earthquakes — are not protected by a typical California home insurance policy. Plus, home policies also cover losses such as plumbing leaks theft and various legal liabilities. Bottom line This math barely scratches the surface of the pricing debate. Plus, no two owners or insurers will see the California risks the same way. And state insurance regulators have their own views, too. Look, there are far more questions than answers surrounding California’s home insurance headaches. But there’s an over-arching issue that California will have to figure out: What’s more important, coverage or cost? Should the regulation err on the side of availability of insurance in a state where owners have to protect considerable real estate values? Or is the price of protection paramount in a state where housing expenses aggressively stretch many family budgets? Jonathan Lansner is the business columnist for the Southern California News Group. He can be reached at jlansner@scng.com Related Articles Housing | Park Fire containment stalls as temperatures begin to rise again Housing | Map: Park Fire’s active burning prompts more evacuations Housing | Cause of the 2020 Markley Fire? Arson, says a CAL FIRE battalion chief Housing | Park Fire grows but remains at 34% containment Housing | Edgehill fire in San Bernardino damages or destroys 4 homes, evacuations in place Originally Published: June 30, 2023 at 7:24 a.m.Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to print (Opens in new window)Click to email a link to a friend (Opens in new window) Report an error Policies and Standards Contact Us Most PopularMost PopularDear Abby: He says it’s just a game, but it feels like he’s betraying meDear Abby: He says it’s just a game, but it feels like he’s betraying meHarriette Cole: What will happen when my roommate learns my secret?Harriette Cole: What will happen when my roommate learns my secret?The San Francisco origins of Kimberly Guilfoyle’s grudge against Kamala HarrisThe San Francisco origins of Kimberly Guilfoyle’s grudge against Kamala HarrisBen Affleck was ‘rude’ in disastrous Australian interview, veteran broadcaster revealsBen Affleck was ‘rude’ in disastrous Australian interview, veteran broadcaster reveals$1 million debt led to fallout, spat between apparent targets of FBI’s Oakland probe, records say$1 million debt led to fallout, spat between apparent targets of FBI’s Oakland probe, records sayMap: Park Fire’s active burning prompts more evacuationsMap: Park Fire’s active burning prompts more evacuationsSome Bay Area neighborhoods breathe more hazardous air. Here’s where they are.Some Bay Area neighborhoods breathe more hazardous air. Here’s where they are.Oakland police union calls for Mayor Sheng Thao’s resignationOakland police union calls for Mayor Sheng Thao’s resignationMore heat for the Bay Area, this time with more than a hint of mugginess mixed with itMore heat for the Bay Area, this time with more than a hint of mugginess mixed with itAlameda County DA weighing whether to retry or release death row inmate of 33 yearsAlameda County DA weighing whether to retry or release death row inmate of 33 years Trending Nationally Taylor Swift concerts in Vienna canceled after terror plot uncoveredMigrant day laborers sue Home Depot, CPD and city of Chicago, alleging abuse and harassmentNew Jersey boat reels in bigeye tuna potentially worth $4.2 million in White Marlin OpenMcDonald’s will launch a Collector’s Meal with six nostalgic cups on Aug. 13MyKayla Skinner calls on Simone Biles to stop feud amid threats More in Housing Housing | Sale closed in San Jose: $1.7 million for a three-bedroom home Housing | ‘The state is doing whatever it wants:’ Homeless advocate arrested while trying to block Oakland sweep Housing | Condominium sells in San Jose for $1.5 million Housing | San Mateo’s housing plan receives state approval 2023 June 30 News Alerts Email Newsletters Today’s e-Edition Mobile Apps Marketplace Place an Obituary Place a Real Estate Ad Lottery Subscribe Member Services Manage Subscriptions East Bay Times Store Archive Search Reprints Sitemap Contact Us Digital Access FAQ Join our Team Sponsor a Group Get Sponsored Access Privacy Policy Accessibility Advertise With Us Special Sections Network Advertising Daily Ads Public Notices Place a Legal Notice Subscribe Now Terms of Use Cookie Policy California Notice at Collection Notice of Financial Incentive Do Not Sell/Share My Personal Information Arbitration Powered by WordPress.com VIP Copyright © 2024 MediaNews Group Close

California home insurance: What’s more important, coverage or cost? – Marin Independent Journal Skip to content All Sections Subscribe Now 55°F Thursday, August 8th 2024 e-Edition Home Page Close MenuNews News Crime & Public Safety Business Best Reviews Traffic Election Public Notices Education Marin Supervisors Marin Grand Jury Open Space SMART Train Golden Gate Bridge Muir Woods The Cannifornian Local Local News Local News Map Fairfax Larkspur Corte Madera Kentfield Marin City Sausalito Marin Snapshot Mill Valley Novato Ross Greenbrae San Anselmo San Rafael Tiburon Belvedere West Marin Sports Sports High School Sports College Sports Raiders Oakland Athletics San Francisco 49ers San Francisco Giants San Jose Sharks Golden State Warriors Cycling Dipsea Golf Motor Sports Olympics Outdoors Bay FC Golden State Valkyries Entertainment Entertainment Lifestyle Arts Barry Tompkins Comics Puzzles Jeff Burkhart: Barfly Lobby Lounge Mill Valley Film Festival Theater TV Listings Home & Garden Asking Eric Books Event Calendar Zest Zest: Food & Drink Restaurant Reviews Bread & Butter Jeff Burkhart: Barfly Beer Cookbooks Critic Obituaries Obituaries News Obituaries Place an Obituary Opinion Opinion Dick Spotswood Editorials Endorsements Letters to the Editor Editorial Cartoons Marin Voice Advertise Subscribe Log In Logout Close Menu Sign up for email newsletters Sign Up California home insurance: What’s more… Share this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window)Click to print (Opens in new window)Click to email a link to a friend (Opens in new window) Subscribe Log In Account Settings Contact Us Log Out Spoof a user Sign up for email newsletters Sign Up Subscribe Log In Search 55°F Thursday, August 8th 2024 e-Edition News Local Sports Entertainment Zest Obituaries Opinion e-Edition Trending: New Canal bus yard? School ‘wellness coaches’ San Anselmo undergrounding Olympics Crime and public safety Business SUBSCRIBER ONLY California home insurance: What’s more important, coverage or cost? State Farm and Allstate stopped writing new property policiesShare this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window)Click to print (Opens in new window)Click to email a link to a friend (Opens in new window)By Jon Lansner | jlansner@scng.com | Orange County RegisterUPDATED: June 30, 2023 at 9:04 a.m. California’s home insurance challenges are a complex web of risk management, construction costs, pricing algorithms, climate forecasts and regulatory minutia. Recently, State Farm and Allstate — two major home insurers in California – chose to stop writing new property policies, citing rising costs. Their moves raise fears of a potential statewide insurance shortage. This begs the question: What are fair premiums and how will they offer homeowners decent protection while providing insurers a fair profit? Now, insurance pricing logic makes the average human’s head hurt. It requires calculating the risks of everything from major catastrophes to modest calamities at just one home. The variables run from climate to construction to crime. Add that up and then make a big bet: How much money for how much protection? Let my trusty spreadsheet try to explain this odd dynamic, using some awfully basic math to highlight the tussle between a property owner and an insurer. Proper premiums We all know that many things tied to housing in California are expensive. So, it might surprise you to know that California’s home insurance rates look relatively affordable when compared with premiums across the U.S. California had the 37th-highest annual premiums at an average $1,434 a year to cover $360,000 in damages, according to my look at policy price rankings from Nerdwallet, Insurance.com, and Bankrate. The national median was $1,963. And the highest premiums were found in Middle America where wind and hail pound homes – Oklahoma at $4,766, then Nebraska at $3,985, Kansas at $3,774, Texas at $3,389 and Arkansas at $3,172. One argument the insurance industry makes to explain their wariness about protecting more California homes is that they don’t feel they’re being adequately compensated for their risks. Remember, insurance premiums are regulated by the state’s Department of Insurance. Costly construction Building housing in California isn’t cheap – and that’s a hefty slice of insurance cost. For starters, the California construction workers who’d fix your home are pricey. They earn the nation’s fifth-highest annualized average pay of $89,300, according to federal job stats. These jobs pay better only in Massachusetts ($101,200), New Jersey ($90,500), Illinois ($90,100), and New York ($89,700). Nationwide, construction wages run $80,300. Those paychecks are one reason why California ranked No. 3 among the states with an average construction expense of $188 per square foot, according to my combination of building expense benchmarks from Today’s Homeowner and Forbes. The national median was $149 and only two states were costlier: Hawaii at $206 and Alaska at $189. On the other hand, the typical home in California is far smaller than the typical American residence. That might offer some savings on a significant repair bill. The median California house is 1,860 square feet, 37th among the states vs. the 2,014 U.S. norm, says the American Home Size Index. The biggest houses are in Utah at 2,800 square feet and the smallest are in Hawaii at 1,164. Combine cost and size and you get a rudimentary replacement value for a quasi-typical California home: $349,000. That’s eighth-highest in the nation and far above the nation’s $304,000. The highest was in Utah at $427,000. The low was in Iowa at $213,000. Now before you scoff at those guestimates, much of a California home’s huge price tag comes from the lofty value of the land it sits on. You still have a lot even if, say, a wildfire burns the home to the ground. Another wrinkle is the age of housing. Old homes typically required the cost of being brought up to modern construction codes when repaired. California ranked 16th for the age of housing stock at 45 years vs. 35 nationally, according to the Census Bureau. The oldest housing is in New York at 63. The youngest is in Nevada at 25. What are the odds? The owner and the insurer both want the premium to properly reflect the likelihood a housing hazard will damage the property. And it’s a good bet that the largest perils can be tied to Mother Nature. California had the fifth-most dangerous conditions, according to my composite of climate-risk scorecards from CoreLogic, WorldPopulationReview, WalletHub, and MoneyGeek. No. 1 was Texas, then Louisiana, Mississippi and Oklahoma. The lowest risk, by the way, was found in Rhode Island, Delaware and Connecticut. However, this is a broad brush for scoring home insurance’s risks. Remember two large hazards — flooding and earthquakes — are not protected by a typical California home insurance policy. Plus, home policies also cover losses such as plumbing leaks theft and various legal liabilities. Bottom line This math barely scratches the surface of the pricing debate. Plus, no two owners or insurers will see the California risks the same way. And state insurance regulators have their own views, too. Look, there are far more questions than answers surrounding California’s home insurance headaches. But there’s an over-arching issue that California will have to figure out: What’s more important, coverage or cost? Should the regulation err on the side of availability of insurance in a state where owners have to protect considerable real estate values? Or is the price of protection paramount in a state where housing expenses aggressively stretch many family budgets? Jonathan Lansner is the business columnist for the Southern California News Group. He can be reached at jlansner@scng.com Related Articles Marin Voice: Policies for Americans with disabilities must continue to improve California homeowners sue FAIR Plan, state’s insurer of last resort, over smoke damage coverage Here's where Allstate wants to raise California homeowners' insurance rates Editorial: Insurers must recognize Marin’s fire-safety progress State Farm seeks ‘massive’ insurance rate hike for California homeowners Originally Published: June 30, 2023 at 7:24 a.m.Share this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window)Click to print (Opens in new window)Click to email a link to a friend (Opens in new window) Most PopularMost PopularMarin judge: Business can’t blast music at homeless campMarin judge: Business can't blast music at homeless campMarin City gunfire injures 2Marin City gunfire injures 2Marin DUI suspect arrested after alleged hit-and-runMarin DUI suspect arrested after alleged hit-and-runSan Anselmo considers Sorich Park multiuse trail optionsSan Anselmo considers Sorich Park multiuse trail optionsSan Rafael police arrest juveniles linked to assaultSan Rafael police arrest juveniles linked to assaultMarin Transit approves $14M purchase agreement for San Rafael lotMarin Transit approves $14M purchase agreement for San Rafael lotDick Spotswood: Mishandled Ross Valley flood response felled by ‘vetocracy’Dick Spotswood: Mishandled Ross Valley flood response felled by 'vetocracy'Store closure, biotech layoffs jolt Bay Area job market with fresh cutbacksStore closure, biotech layoffs jolt Bay Area job market with fresh cutbacksMill Valley sales tax hike proposal advances to ballotMill Valley sales tax hike proposal advances to ballotNovato woman charged in homeless camp fireNovato woman charged in homeless camp fire Trending Nationally Taylor Swift concerts in Vienna canceled after terror plot uncoveredMigrant day laborers sue Home Depot, CPD and city of Chicago, alleging abuse and harassmentNew Jersey boat reels in bigeye tuna potentially worth $4.2 million in White Marlin OpenMcDonald’s will launch a Collector’s Meal with six nostalgic cups on Aug. 13MyKayla Skinner calls on Simone Biles to stop feud amid threats More in News Marin City songwriting workshop explores inclusion Local News | Tam Union school district sends $289M bond measure to ballot Environment | Giant pandas return to California for the first time since 2019 Politics | Harris’ California health care battles signal fights ahead for hospitals if she wins 2023 June 30 Subscriber Services Subscribe Marin IJ Store e-Edition Sign Up For Newsletters Contact Us FAQ Reprints Work With Us Privacy Policy Accessibility Sitemap Advertise Advertising Staff DFM Network Advertising Marketplace Daily Ads Jobs Real Estate Open Houses Place an Obituary Place a Legal Notice Special Sections North Bay Woman Photo Promotions Get Sponsored Access Sponsor a Group Subscribe Now Terms of Use Cookie Policy California Notice at Collection Notice of Financial Incentive Do Not Sell/Share My Personal Information Arbitration Bay Area News Group Copyright © 2024 MediaNews Group Close

California home insurance: What’s more important, coverage or cost? – Redlands Daily Facts Skip to content All Sections Subscribe Now 69°F Thursday, August 8th 2024 e-Edition Home Page Close MenuNews News Crime and Public Safety Investigative Reporting Politics Health Environment Business Best Reviews Jobs Housing Local News Local News Redlands Highland Loma Linda Yucaipa San Bernardino County San Bernardino Mountains Riverside County Sports Sports High School Sports Chargers Rams Lakers Clippers Dodgers Angels College Sports UCLA Sports USC Sports Kings Ducks Olympics Boxing/MMA Soccer Horse Racing Things To Do Things To Do Restaurants Food and Drink Casinos Amusement Parks Movies Music + Concerts Theater TV and Streaming Home + Garden Travel Comics Puzzles Events Obituaries Obituaries News Obituaries Place an Obituary Opinion Opinion Editorials Opinion Columns Commentary Letters to the Editor Editorial Board Endorsements SCNG Premium The T.E.A. Subscribe Daily Facts Store Log In Logout Close Menu Get the latest news delivered daily! Sign Up Housing | California home insurance: What’s more… Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on Reddit (Opens in new window)Click to print (Opens in new window) Subscribe Log In Account Settings Contact Us Log Out Spoof a user Get the latest news delivered daily! Sign Up Subscribe Log In Search 69°F Thursday, August 8th 2024 e-Edition Housing Crime Investigative Reporting Politics Environment Business Jobs Housing Trending: Housing | Deadly Sprouts shooting Housing | Redlands' new In-N-Out Housing | New electricity charge Housing | Animal shelter getting an upgrade 🐶 Housing | Olympics: How to watch 🥇 Housing | Latest on wildfires NewsHousingOpinion ColumnistOpinion Columnist Represents the opinion of the author who is either a paid columnist or an unpaid guest columnist. SUBSCRIBER ONLY Housing | California home insurance: What’s more important, coverage or cost? State Farm and Allstate stopped writing new property policiesShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on Reddit (Opens in new window)Click to print (Opens in new window)By Jonathan Lansner | jlansner@scng.com | Orange County RegisterUPDATED: June 30, 2023 at 9:04 a.m.What are fair premiums that offer homeowners decent protection from risk while providing insurers a fair profit? Subscribe to continue reading this article. Already subscribed? To login in, click here. Originally Published: June 30, 2023 at 7:24 a.m.Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on Reddit (Opens in new window)Click to print (Opens in new window) Newsroom Guidelines News Tips Contact Us Report an Error Most PopularMost PopularGov. 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Walz tells Redlands-based Esri he’s driven by dataIn-N-Out Burger’s drive-thru in Redlands will open Thursday, Aug. 1In-N-Out Burger’s drive-thru in Redlands will open Thursday, Aug. 1Skydiving instructor and student killed in Perris after ‘dust devil’ caused turbulent landingSkydiving instructor and student killed in Perris after ‘dust devil’ caused turbulent landing‘All of us are safe,’ says owner of home destroyed by Edgehill fire in San Bernardino‘All of us are safe,’ says owner of home destroyed by Edgehill fire in San Bernardino‘Black Panther’ actress Connie Chiume dies following ‘medical procedure’‘Black Panther’ actress Connie Chiume dies following ‘medical procedure’2nd sizable earthquake in 24 hours shakes Kern County; 4.4 magnitude temblor strikes Wednesday near Grapevine2nd sizable earthquake in 24 hours shakes Kern County; 4.4 magnitude temblor strikes Wednesday near Grapevine5.2 magnitude earthquake centered near Lamont shakes Southern California5.2 magnitude earthquake centered near Lamont shakes Southern CaliforniaRedlands voters will consider a $500 million school bond in NovemberRedlands voters will consider a $500 million school bond in NovemberBaal, Ashtoreth and Molech – God’s Old Testament rivalsBaal, Ashtoreth and Molech - God's Old Testament rivalsDine 909: These Inland Empire restaurants have closed recentlyDine 909: These Inland Empire restaurants have closed recently Trending Nationally Taylor Swift concerts in Vienna canceled after terror plot uncoveredMigrant day laborers sue Home Depot, CPD and city of Chicago, alleging abuse and harassmentNew Jersey boat reels in bigeye tuna potentially worth $4.2 million in White Marlin OpenMcDonald’s will launch a Collector’s Meal with six nostalgic cups on Aug. 13MyKayla Skinner calls on Simone Biles to stop feud amid threats More in Housing Housing | More Americans tapping home equity credit lines, NY Fed says Housing | Riverside ranked as Southern California’s best city for apartment hunting SUBSCRIBER ONLY Housing | Topanga home of Virginia T. 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California home insurance: What’s more important, coverage or cost? – Paradise Post Skip to content All Sections Subscribe Now 83°F Thursday, August 8th 2024 e-Edition Home Page Close MenuNews News Local News Crime and Public Safety Courts Marijuana Wildfires Business Best Reviews Health Housing Transportation Oroville Dam Camp Fire Sports Sports High School Sports Oakland Athletics Raiders San Francisco 49ers San Francisco Giants San Jose Sharks Golden State Warriors Lifestyle Lifestyle Movies Food & Drink Home & Garden Pets and Animals Horoscopes Events Obituaries Obituaries News Obituaries Place an Obituary Opinion Opinion Opinion Columnists Letters to the Editor Advertising Advertise with Us Sponsored Content Public Notices Subscribe Log In Logout Close Menu Sign up for email newsletters Sign Up Housing | California home insurance: What’s more… Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to print (Opens in new window) Subscribe Log In Account Settings Contact Us Log Out Spoof a user Sign up for email newsletters Sign Up Subscribe Log In Search 83°F Thursday, August 8th 2024 e-Edition Housing News Crime Courts Marijuana Wildfires Business Health Housing Transportation Camp Fire NewsHousing SUBSCRIBER ONLY Housing | California home insurance: What’s more important, coverage or cost? State Farm and Allstate stopped writing new property policiesShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to print (Opens in new window)By Jon Lansner | jlansner@scng.com | Orange County RegisterUPDATED: June 30, 2023 at 9:04 a.m. California’s home insurance challenges are a complex web of risk management, construction costs, pricing algorithms, climate forecasts and regulatory minutia. Recently, State Farm and Allstate — two major home insurers in California – chose to stop writing new property policies, citing rising costs. Their moves raise fears of a potential statewide insurance shortage. This begs the question: What are fair premiums and how will they offer homeowners decent protection while providing insurers a fair profit? Now, insurance pricing logic makes the average human’s head hurt. It requires calculating the risks of everything from major catastrophes to modest calamities at just one home. The variables run from climate to construction to crime. Add that up and then make a big bet: How much money for how much protection? Let my trusty spreadsheet try to explain this odd dynamic, using some awfully basic math to highlight the tussle between a property owner and an insurer. Proper premiums We all know that many things tied to housing in California are expensive. So, it might surprise you to know that California’s home insurance rates look relatively affordable when compared with premiums across the U.S. California had the 37th-highest annual premiums at an average $1,434 a year to cover $360,000 in damages, according to my look at policy price rankings from Nerdwallet, Insurance.com, and Bankrate. The national median was $1,963. And the highest premiums were found in Middle America where wind and hail pound homes – Oklahoma at $4,766, then Nebraska at $3,985, Kansas at $3,774, Texas at $3,389 and Arkansas at $3,172. One argument the insurance industry makes to explain their wariness about protecting more California homes is that they don’t feel they’re being adequately compensated for their risks. Remember, insurance premiums are regulated by the state’s Department of Insurance. Costly construction Building housing in California isn’t cheap – and that’s a hefty slice of insurance cost. For starters, the California construction workers who’d fix your home are pricey. They earn the nation’s fifth-highest annualized average pay of $89,300, according to federal job stats. These jobs pay better only in Massachusetts ($101,200), New Jersey ($90,500), Illinois ($90,100), and New York ($89,700). Nationwide, construction wages run $80,300. Those paychecks are one reason why California ranked No. 3 among the states with an average construction expense of $188 per square foot, according to my combination of building expense benchmarks from Today’s Homeowner and Forbes. The national median was $149 and only two states were costlier: Hawaii at $206 and Alaska at $189. On the other hand, the typical home in California is far smaller than the typical American residence. That might offer some savings on a significant repair bill. The median California house is 1,860 square feet, 37th among the states vs. the 2,014 U.S. norm, says the American Home Size Index. The biggest houses are in Utah at 2,800 square feet and the smallest are in Hawaii at 1,164. Combine cost and size and you get a rudimentary replacement value for a quasi-typical California home: $349,000. That’s eighth-highest in the nation and far above the nation’s $304,000. The highest was in Utah at $427,000. The low was in Iowa at $213,000. Now before you scoff at those guestimates, much of a California home’s huge price tag comes from the lofty value of the land it sits on. You still have a lot even if, say, a wildfire burns the home to the ground. Another wrinkle is the age of housing. Old homes typically required the cost of being brought up to modern construction codes when repaired. California ranked 16th for the age of housing stock at 45 years vs. 35 nationally, according to the Census Bureau. The oldest housing is in New York at 63. The youngest is in Nevada at 25. What are the odds? The owner and the insurer both want the premium to properly reflect the likelihood a housing hazard will damage the property. And it’s a good bet that the largest perils can be tied to Mother Nature. California had the fifth-most dangerous conditions, according to my composite of climate-risk scorecards from CoreLogic, WorldPopulationReview, WalletHub, and MoneyGeek. No. 1 was Texas, then Louisiana, Mississippi and Oklahoma. The lowest risk, by the way, was found in Rhode Island, Delaware and Connecticut. However, this is a broad brush for scoring home insurance’s risks. Remember two large hazards — flooding and earthquakes — are not protected by a typical California home insurance policy. Plus, home policies also cover losses such as plumbing leaks theft and various legal liabilities. Bottom line This math barely scratches the surface of the pricing debate. Plus, no two owners or insurers will see the California risks the same way. And state insurance regulators have their own views, too. Look, there are far more questions than answers surrounding California’s home insurance headaches. But there’s an over-arching issue that California will have to figure out: What’s more important, coverage or cost? Should the regulation err on the side of availability of insurance in a state where owners have to protect considerable real estate values? Or is the price of protection paramount in a state where housing expenses aggressively stretch many family budgets? Jonathan Lansner is the business columnist for the Southern California News Group. He can be reached at jlansner@scng.com Originally Published: June 30, 2023 at 7:24 a.m.Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to print (Opens in new window) Most PopularMost PopularFire Safe Council hosts Firewise workshopFire Safe Council hosts Firewise workshopTiny Park Foundation joins other groups in giveaway for fire victimsTiny Park Foundation joins other groups in giveaway for fire victimsSupervisors consider possible alternative energy option for Butte CountySupervisors consider possible alternative energy option for Butte CountyThe complications of managing vegetation in Bidwell ParkThe complications of managing vegetation in Bidwell ParkNoon Update: Park Fire grows to near 400,000 acres; ‘danger zone’ in Mill, Deer Creek canyonsNoon Update: Park Fire grows to near 400,000 acres; ‘danger zone’ in Mill, Deer Creek canyonsParadise Ridge Elementary School to host danceParadise Ridge Elementary School to host danceNo no-no for Blake Snell, but SF Giants beat Nationals with power showNo no-no for Blake Snell, but SF Giants beat Nationals with power showThis is what death looks like: The haunting videos of the Camp FireThis is what death looks like: The haunting videos of the Camp FireSF Giants announce plans for Orlando Cepeda celebration of lifeSF Giants announce plans for Orlando Cepeda celebration of lifeSan Jose: Man dies in hit-run crash at Camden and LeighSan Jose: Man dies in hit-run crash at Camden and Leigh Trending Nationally Taylor Swift concerts in Vienna canceled after terror plot uncoveredMigrant day laborers sue Home Depot, CPD and city of Chicago, alleging abuse and harassmentNew Jersey boat reels in bigeye tuna potentially worth $4.2 million in White Marlin OpenMcDonald’s will launch a Collector’s Meal with six nostalgic cups on Aug. 13MyKayla Skinner calls on Simone Biles to stop feud amid threats More in Housing Business | Stock market finally discovers economy is cooling. 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California home insurance: What’s more important, coverage or cost? – Daily Bulletin Skip to content All Sections Subscribe Now 67°F Thursday, August 8th 2024 e-Edition Home Page Close MenuNews News Crime and Public Safety Investigative Reporting Politics Health Environment Business Best Reviews Housing Jobs Local News Local News Ontario Pomona Chino Valley Rancho Cucamonga Claremont Montclair Upland La Verne San Bernardino County Los Angeles County David Allen Column Sports Sports IE Varsity Chargers Rams Lakers Clippers Dodgers Angels College Sports UCLA Sports USC Sports Kings Ducks Olympics Boxing/MMA Soccer Horse Racing Things To Do Things To Do Restaurants Food and Drink Casinos Amusement Parks Movies Music + Concerts Theater TV and Streaming Home + Garden Travel Comics Puzzles Events Obituaries Obituaries News Obituaries Place an Obituary Opinion Opinion Editorials Opinion Columns Commentary Letters to the Editor Editorial Board Endorsements SCNG Premium The T.E.A. Subscribe Daily Bulletin Store Log In Logout Close Menu Get the latest news delivered daily! Sign Up Housing | California home insurance: What’s more… Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on Reddit (Opens in new window)Click to print (Opens in new window) Subscribe Log In Account Settings Contact Us Log Out Spoof a user Get the latest news delivered daily! Sign Up Subscribe Log In Search 67°F Thursday, August 8th 2024 e-Edition Housing Crime Investigative Reporting Politics Environment Business Housing Jobs Trending: Housing | Deadly Sprouts shooting Housing | New electricity charge Housing | Boar’s Head meat recall Housing | Free fun things to do Housing | Olympics: How to watch 🥇 Housing | What's new in fast food? NewsHousingOpinion ColumnistOpinion Columnist Represents the opinion of the author who is either a paid columnist or an unpaid guest columnist. SUBSCRIBER ONLY Housing | California home insurance: What’s more important, coverage or cost? State Farm and Allstate stopped writing new property policiesShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on Reddit (Opens in new window)Click to print (Opens in new window)By Jonathan Lansner | jlansner@scng.com | Orange County RegisterUPDATED: June 30, 2023 at 9:04 a.m.What are fair premiums that offer homeowners decent protection from risk while providing insurers a fair profit? Subscribe to continue reading this article. Already subscribed? To login in, click here. Originally Published: June 30, 2023 at 7:24 a.m.Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on Reddit (Opens in new window)Click to print (Opens in new window) Newsroom Guidelines News Tips Contact Us Report an Error Most PopularMost PopularSouplantation copy Soup ‘n Fresh is a big draw in Rancho CucamongaSouplantation copy Soup ‘n Fresh is a big draw in Rancho CucamongaSkydiving instructor and student killed in Perris after ‘dust devil’ caused turbulent landingSkydiving instructor and student killed in Perris after ‘dust devil’ caused turbulent landing5.2 magnitude earthquake centered near Lamont shakes Southern California5.2 magnitude earthquake centered near Lamont shakes Southern California‘All of us are safe,’ says owner of home destroyed by Edgehill fire in San Bernardino‘All of us are safe,’ says owner of home destroyed by Edgehill fire in San BernardinoDine 909: These Inland Empire restaurants have closed recentlyDine 909: These Inland Empire restaurants have closed recentlyCostco card entry scanners popping up at Southern California warehousesCostco card entry scanners popping up at Southern California warehousesArmed man shot by deputies at Sprouts in Rancho Cucamonga suspected of prior Upland shootingArmed man shot by deputies at Sprouts in Rancho Cucamonga suspected of prior Upland shootingOrganizers cancel Taylor Swift concerts in Vienna over fears of an attackOrganizers cancel Taylor Swift concerts in Vienna over fears of an attackFontana Unified pays $14 million to settle sex abuse lawsuits involving predatory ex-teacherFontana Unified pays $14 million to settle sex abuse lawsuits involving predatory ex-teacherFBI: California woman brought sword, whip, knife and taser into Capitol during Jan. 6 riotFBI: California woman brought sword, whip, knife and taser into Capitol during Jan. 6 riot Trending Nationally Taylor Swift concerts in Vienna canceled after terror plot uncoveredMigrant day laborers sue Home Depot, CPD and city of Chicago, alleging abuse and harassmentNew Jersey boat reels in bigeye tuna potentially worth $4.2 million in White Marlin OpenMcDonald’s will launch a Collector’s Meal with six nostalgic cups on Aug. 13MyKayla Skinner calls on Simone Biles to stop feud amid threats More in Housing Housing | More Americans tapping home equity credit lines, NY Fed says Housing | Riverside ranked as Southern California’s best city for apartment hunting Housing | Topanga home of Virginia T. 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California home insurance: What’s more important, coverage or cost? – Oroville Mercury-Register Skip to content All Sections Subscribe Now 69°F Thursday, August 8th 2024 e-Edition Home Page Close MenuNews News Local News Crime and Public Safety Courts Health Housing Transportation Camp Fire Wildfires Oroville Dam Business Best Reviews Sports Sports High School Sports Oakland Athletics San Francisco 49ers San Francisco Giants Raiders San Jose Sharks Golden State Warriors Lifestyle Lifestyle Movies E-R Sessions Food & Drink Pets and Animals Horoscopes Comics Puzzles Events Obituaries Obituaries News Obituaries Place an Obituary Opinion Opinion Editorials Letters to the Editor Submit Letters Advertising Advertise With Us Local Guide Jobs Real Estate Today’s Ads Special Sections Public Notices Sponsored Content Subscribe Log In Logout Close Menu Sign up for email newsletters Sign Up Housing | California home insurance: What’s more… Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to print (Opens in new window) Subscribe Log In Account Settings Contact Us Log Out Spoof a user Sign up for email newsletters Sign Up Subscribe Log In Search 69°F Thursday, August 8th 2024 e-Edition Housing Local Crime Courts Health Housing Transportation Camp Fire Wildfires Oroville Dam Business NewsHousing SUBSCRIBER ONLY Housing | California home insurance: What’s more important, coverage or cost? State Farm and Allstate stopped writing new property policiesShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to print (Opens in new window)By Jon Lansner | jlansner@scng.com | Orange County RegisterUPDATED: June 30, 2023 at 9:04 a.m. California’s home insurance challenges are a complex web of risk management, construction costs, pricing algorithms, climate forecasts and regulatory minutia. Recently, State Farm and Allstate — two major home insurers in California – chose to stop writing new property policies, citing rising costs. Their moves raise fears of a potential statewide insurance shortage. This begs the question: What are fair premiums and how will they offer homeowners decent protection while providing insurers a fair profit? Now, insurance pricing logic makes the average human’s head hurt. It requires calculating the risks of everything from major catastrophes to modest calamities at just one home. The variables run from climate to construction to crime. Add that up and then make a big bet: How much money for how much protection? Let my trusty spreadsheet try to explain this odd dynamic, using some awfully basic math to highlight the tussle between a property owner and an insurer. Proper premiums We all know that many things tied to housing in California are expensive. So, it might surprise you to know that California’s home insurance rates look relatively affordable when compared with premiums across the U.S. California had the 37th-highest annual premiums at an average $1,434 a year to cover $360,000 in damages, according to my look at policy price rankings from Nerdwallet, Insurance.com, and Bankrate. The national median was $1,963. And the highest premiums were found in Middle America where wind and hail pound homes – Oklahoma at $4,766, then Nebraska at $3,985, Kansas at $3,774, Texas at $3,389 and Arkansas at $3,172. One argument the insurance industry makes to explain their wariness about protecting more California homes is that they don’t feel they’re being adequately compensated for their risks. Remember, insurance premiums are regulated by the state’s Department of Insurance. Costly construction Building housing in California isn’t cheap – and that’s a hefty slice of insurance cost. For starters, the California construction workers who’d fix your home are pricey. They earn the nation’s fifth-highest annualized average pay of $89,300, according to federal job stats. These jobs pay better only in Massachusetts ($101,200), New Jersey ($90,500), Illinois ($90,100), and New York ($89,700). Nationwide, construction wages run $80,300. Those paychecks are one reason why California ranked No. 3 among the states with an average construction expense of $188 per square foot, according to my combination of building expense benchmarks from Today’s Homeowner and Forbes. The national median was $149 and only two states were costlier: Hawaii at $206 and Alaska at $189. On the other hand, the typical home in California is far smaller than the typical American residence. That might offer some savings on a significant repair bill. The median California house is 1,860 square feet, 37th among the states vs. the 2,014 U.S. norm, says the American Home Size Index. The biggest houses are in Utah at 2,800 square feet and the smallest are in Hawaii at 1,164. Combine cost and size and you get a rudimentary replacement value for a quasi-typical California home: $349,000. That’s eighth-highest in the nation and far above the nation’s $304,000. The highest was in Utah at $427,000. The low was in Iowa at $213,000. Now before you scoff at those guestimates, much of a California home’s huge price tag comes from the lofty value of the land it sits on. You still have a lot even if, say, a wildfire burns the home to the ground. Another wrinkle is the age of housing. Old homes typically required the cost of being brought up to modern construction codes when repaired. California ranked 16th for the age of housing stock at 45 years vs. 35 nationally, according to the Census Bureau. The oldest housing is in New York at 63. The youngest is in Nevada at 25. What are the odds? The owner and the insurer both want the premium to properly reflect the likelihood a housing hazard will damage the property. And it’s a good bet that the largest perils can be tied to Mother Nature. California had the fifth-most dangerous conditions, according to my composite of climate-risk scorecards from CoreLogic, WorldPopulationReview, WalletHub, and MoneyGeek. No. 1 was Texas, then Louisiana, Mississippi and Oklahoma. The lowest risk, by the way, was found in Rhode Island, Delaware and Connecticut. However, this is a broad brush for scoring home insurance’s risks. Remember two large hazards — flooding and earthquakes — are not protected by a typical California home insurance policy. Plus, home policies also cover losses such as plumbing leaks theft and various legal liabilities. Bottom line This math barely scratches the surface of the pricing debate. Plus, no two owners or insurers will see the California risks the same way. And state insurance regulators have their own views, too. Look, there are far more questions than answers surrounding California’s home insurance headaches. But there’s an over-arching issue that California will have to figure out: What’s more important, coverage or cost? Should the regulation err on the side of availability of insurance in a state where owners have to protect considerable real estate values? Or is the price of protection paramount in a state where housing expenses aggressively stretch many family budgets? Jonathan Lansner is the business columnist for the Southern California News Group. He can be reached at jlansner@scng.com Originally Published: June 30, 2023 at 7:24 a.m.Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to print (Opens in new window) Most PopularMost PopularDeath notices received Aug. 5Death notices received Aug. 5Park Fire now nearly 423,000 acres; still 34 percent containedPark Fire now nearly 423,000 acres; still 34 percent containedFire Safe Council hosts Firewise workshopFire Safe Council hosts Firewise workshopOroville hands Convention Center management to Feather River Recreation and Park District in ‘win-win’ dealOroville hands Convention Center management to Feather River Recreation and Park District in ‘win-win’ dealNational Night Out | PhotosNational Night Out | PhotosCity Council mostly mum on closed sessionCity Council mostly mum on closed sessionLetter: Celebrating some good examples of ‘socialism’Letter: Celebrating some good examples of ‘socialism’ Trending Nationally Taylor Swift concerts in Vienna canceled after terror plot uncoveredMigrant day laborers sue Home Depot, CPD and city of Chicago, alleging abuse and harassmentNew Jersey boat reels in bigeye tuna potentially worth $4.2 million in White Marlin OpenMcDonald’s will launch a Collector’s Meal with six nostalgic cups on Aug. 13MyKayla Skinner calls on Simone Biles to stop feud amid threats More in Housing Business | Stock market finally discovers economy is cooling. 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California home insurance: What’s more important, coverage or cost? – Pasadena Star News Skip to content All Sections Subscribe Now 66°F Thursday, August 8th 2024 e-Edition Home Page Close MenuNews News Crime and Public Safety Investigative Reporting Politics Health Environment Business Best Reviews Jobs Housing Local News Local News Pasadena San Marino Altadena San Gabriel Alhambra Monrovia Arcadia Temple City Monterey Park South Pasadena Duarte Rosemead Sierra Madre El Monte South El Monte Los Angeles Los Angeles County Sports Sports LA Varsity Chargers Rams Lakers Clippers Dodgers Angels College Sports UCLA Sports USC Sports Kings Ducks Olympics Boxing/MMA Soccer Horse Racing Things To Do Things To Do Restaurants Food and Drink Amusement Parks Movies Music + Concerts Theater TV and Streaming Home + Garden Travel Comics Puzzles Events Obituaries Obituaries News Obituaries Place an Obituary Opinion Opinion Editorials Opinion Columns Commentary Letters to the Editor Editorial Board Endorsements SCNG Premium The T.E.A. Subscribe Star-News Store Log In Logout Close Menu Get the latest news delivered daily! Sign Up Housing | California home insurance: What’s more… Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on Reddit (Opens in new window)Click to print (Opens in new window) Subscribe Log In Account Settings Contact Us Log Out Spoof a user Get the latest news delivered daily! Sign Up Subscribe Log In Search 66°F Thursday, August 8th 2024 e-Edition Housing Crime Investigative Reporting Politics Environment Business Jobs Housing Trending: Housing | Aide suspended over Trump gear Housing | 'Story' home sold Housing | New electricity charge Housing | 🚓 SPPD's all-EV fleet Housing | Olympics: How to watch 🥇 NewsHousingOpinion ColumnistOpinion Columnist Represents the opinion of the author who is either a paid columnist or an unpaid guest columnist. SUBSCRIBER ONLY Housing | California home insurance: What’s more important, coverage or cost? State Farm and Allstate stopped writing new property policiesShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on Reddit (Opens in new window)Click to print (Opens in new window)By Jonathan Lansner | jlansner@scng.com | Orange County RegisterUPDATED: June 30, 2023 at 9:04 a.m. California’s home insurance challenges are a complex web of risk management, construction costs, pricing algorithms, climate forecasts and regulatory minutia. Recently, State Farm and Allstate — two major home insurers in California – chose to stop writing new property policies, citing rising costs. Their moves raise fears of a potential statewide insurance shortage. This begs the question: What are fair premiums and how will they offer homeowners decent protection while providing insurers a fair profit? Now, insurance pricing logic makes the average human’s head hurt. It requires calculating the risks of everything from major catastrophes to modest calamities at just one home. The variables run from climate to construction to crime. Add that up and then make a big bet: How much money for how much protection? Let my trusty spreadsheet try to explain this odd dynamic, using some awfully basic math to highlight the tussle between a property owner and an insurer. Proper premiums We all know that many things tied to housing in California are expensive. So, it might surprise you to know that California’s home insurance rates look relatively affordable when compared with premiums across the U.S. California had the 37th-highest annual premiums at an average $1,434 a year to cover $360,000 in damages, according to my look at policy price rankings from Nerdwallet, Insurance.com, and Bankrate. The national median was $1,963. And the highest premiums were found in Middle America where wind and hail pound homes – Oklahoma at $4,766, then Nebraska at $3,985, Kansas at $3,774, Texas at $3,389 and Arkansas at $3,172. One argument the insurance industry makes to explain their wariness about protecting more California homes is that they don’t feel they’re being adequately compensated for their risks. Remember, insurance premiums are regulated by the state’s Department of Insurance. Costly construction Building housing in California isn’t cheap – and that’s a hefty slice of insurance cost. For starters, the California construction workers who’d fix your home are pricey. They earn the nation’s fifth-highest annualized average pay of $89,300, according to federal job stats. These jobs pay better only in Massachusetts ($101,200), New Jersey ($90,500), Illinois ($90,100), and New York ($89,700). Nationwide, construction wages run $80,300. Those paychecks are one reason why California ranked No. 3 among the states with an average construction expense of $188 per square foot, according to my combination of building expense benchmarks from Today’s Homeowner and Forbes. The national median was $149 and only two states were costlier: Hawaii at $206 and Alaska at $189. On the other hand, the typical home in California is far smaller than the typical American residence. That might offer some savings on a significant repair bill. The median California house is 1,860 square feet, 37th among the states vs. the 2,014 U.S. norm, says the American Home Size Index. The biggest houses are in Utah at 2,800 square feet and the smallest are in Hawaii at 1,164. Combine cost and size and you get a rudimentary replacement value for a quasi-typical California home: $349,000. That’s eighth-highest in the nation and far above the nation’s $304,000. The highest was in Utah at $427,000. The low was in Iowa at $213,000. Now before you scoff at those guestimates, much of a California home’s huge price tag comes from the lofty value of the land it sits on. You still have a lot even if, say, a wildfire burns the home to the ground. Another wrinkle is the age of housing. Old homes typically required the cost of being brought up to modern construction codes when repaired. California ranked 16th for the age of housing stock at 45 years vs. 35 nationally, according to the Census Bureau. The oldest housing is in New York at 63. The youngest is in Nevada at 25. What are the odds? The owner and the insurer both want the premium to properly reflect the likelihood a housing hazard will damage the property. And it’s a good bet that the largest perils can be tied to Mother Nature. California had the fifth-most dangerous conditions, according to my composite of climate-risk scorecards from CoreLogic, WorldPopulationReview, WalletHub, and MoneyGeek. No. 1 was Texas, then Louisiana, Mississippi and Oklahoma. The lowest risk, by the way, was found in Rhode Island, Delaware and Connecticut. However, this is a broad brush for scoring home insurance’s risks. Remember two large hazards — flooding and earthquakes — are not protected by a typical California home insurance policy. Plus, home policies also cover losses such as plumbing leaks theft and various legal liabilities. Bottom line This math barely scratches the surface of the pricing debate. Plus, no two owners or insurers will see the California risks the same way. And state insurance regulators have their own views, too. Look, there are far more questions than answers surrounding California’s home insurance headaches. But there’s an over-arching issue that California will have to figure out: What’s more important, coverage or cost? Should the regulation err on the side of availability of insurance in a state where owners have to protect considerable real estate values? Or is the price of protection paramount in a state where housing expenses aggressively stretch many family budgets? Jonathan Lansner is the business columnist for the Southern California News Group. He can be reached at jlansner@scng.com Related Articles Housing | California condo owners to get expanded FAIR plan fire insurance Housing | California homeowners sue FAIR Plan, insurer of last resort, over smoke damage coverage Housing | Map: Here’s where Allstate wants to raise California homeowners’ insurance rates Housing | San Bernardino County supervisors ask state to declare emergency over homeowners insurance Housing | State Farm seeks ‘massive’ insurance rate hike for California homeowners Originally Published: June 30, 2023 at 7:24 a.m.Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on Reddit (Opens in new window)Click to print (Opens in new window) Newsroom Guidelines News Tips Contact Us Report an Error Most PopularMost Popular5.2 magnitude earthquake centered near Lamont shakes Southern California5.2 magnitude earthquake centered near Lamont shakes Southern CaliforniaThis Altadena home is a now an LA County historic landmarkThis Altadena home is a now an LA County historic landmarkTournament of Roses expands geographic eligibility for Rose Court applicantsTournament of Roses expands geographic eligibility for Rose Court applicantsExperts urge people to mask up as Pasadena, LA County see COVID-19 surgeExperts urge people to mask up as Pasadena, LA County see COVID-19 surgeSkydiving instructor and student killed in Perris after ‘dust devil’ caused turbulent landingSkydiving instructor and student killed in Perris after ‘dust devil’ caused turbulent landingCounty reward returns in death of Mitrice Richardson, who went missing after 2009 Malibu arrestCounty reward returns in death of Mitrice Richardson, who went missing after 2009 Malibu arrestWoman attacked at A Line station in PasadenaWoman attacked at A Line station in PasadenaCostco card entry scanners popping up at Southern California warehousesCostco card entry scanners popping up at Southern California warehousesOrganizers cancel Taylor Swift concerts in Vienna over fears of an attackOrganizers cancel Taylor Swift concerts in Vienna over fears of an attack2nd sizable earthquake in 24 hours shakes Kern County; 4.4 magnitude temblor strikes Wednesday near Grapevine2nd sizable earthquake in 24 hours shakes Kern County; 4.4 magnitude temblor strikes Wednesday near Grapevine Trending Nationally Taylor Swift concerts in Vienna canceled after terror plot uncoveredMigrant day laborers sue Home Depot, CPD and city of Chicago, alleging abuse and harassmentNew Jersey boat reels in bigeye tuna potentially worth $4.2 million in White Marlin OpenMcDonald’s will launch a Collector’s Meal with six nostalgic cups on Aug. 13MyKayla Skinner calls on Simone Biles to stop feud amid threats More in Housing Housing | More Americans tapping home equity credit lines, NY Fed says Housing | Riverside ranked as Southern California’s best city for apartment hunting SUBSCRIBER ONLY Housing | Topanga home of Virginia T. Norwood, ‘the mother of Landsat’ imaging, seeks $2.3M Business | Stock market finally discovers economy is cooling. Indexes take big dives 2023 June 30 Subscribe Sign Up For Newsletters e-Edition Breaking News Advertising Solutions Get in Touch with a Marketing Strategist Request Media Kit Creative Services Content Marketing About Pasadena Star News About Southern California News Group MediaNews Group Work With Us Privacy Policy Accessibility News Archive Partners Live Traffic Map Newspapers in Education Sponsor a Student Marketplace Classified Legals Obituary Local Job Board Contact Us Corrections Reader Rewards Photo Reprints Sponsored Access Star-News Store Subscribe Now Terms of Use Cookie Policy California Notice at Collection Notice of Financial Incentive Do Not Sell/Share My Personal Information Arbitration Powered by WordPress.com VIP Copyright © 2024 MediaNews Group Close

California home insurance: What’s more important, coverage or cost? – San Bernardino Sun Skip to content All Sections Subscribe Now 71°F Thursday, August 8th 2024 e-Edition Home Page Close MenuNews News Crime and Public Safety Investigative Reporting Politics Health Environment Business Best Reviews Housing Jobs Local News Local News San Bernardino Inland Empire High Desert San Bernardino County Los Angeles County Sports Sports IE Varsity Chargers Rams Lakers Clippers Dodgers Angels College Sports UCLA Sports USC Sports Kings Ducks Olympics Boxing/MMA Soccer Horse Racing Things To Do Things To Do Restaurants Food and Drink Casinos Amusement Parks Movies Music + Concerts Theater TV and Streaming Home + Garden Travel Comics Puzzles Events Obituaries Obituaries News Obituaries Place an Obituary Opinion Opinion Editorials Opinion Columns Commentary Letters to the Editor Editorial Board Endorsements SCNG Premium The T.E.A. Subscribe Sun Store Log In Logout Close Menu Get the latest news delivered daily! Sign Up Housing | California home insurance: What’s more… Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on Reddit (Opens in new window)Click to print (Opens in new window) Subscribe Log In Account Settings Contact Us Log Out Spoof a user Get the latest news delivered daily! Sign Up Subscribe Log In Search 71°F Thursday, August 8th 2024 e-Edition Housing Crime Investigative Reporting Politics Environment Business Housing Jobs Trending: Housing | Deadly Sprouts shooting Housing | New electricity charge Housing | Fed charges follow acquittal Housing | Redlands' new In-N-Out Housing | Olympics: How to watch 🥇 Housing | Boar’s Head meat recall NewsHousingOpinion ColumnistOpinion Columnist Represents the opinion of the author who is either a paid columnist or an unpaid guest columnist. SUBSCRIBER ONLY Housing | California home insurance: What’s more important, coverage or cost? State Farm and Allstate stopped writing new property policiesShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on Reddit (Opens in new window)Click to print (Opens in new window)By Jonathan Lansner | jlansner@scng.com | Orange County RegisterUPDATED: June 30, 2023 at 9:04 a.m. California’s home insurance challenges are a complex web of risk management, construction costs, pricing algorithms, climate forecasts and regulatory minutia. Recently, State Farm and Allstate — two major home insurers in California – chose to stop writing new property policies, citing rising costs. Their moves raise fears of a potential statewide insurance shortage. This begs the question: What are fair premiums and how will they offer homeowners decent protection while providing insurers a fair profit? Now, insurance pricing logic makes the average human’s head hurt. It requires calculating the risks of everything from major catastrophes to modest calamities at just one home. The variables run from climate to construction to crime. Add that up and then make a big bet: How much money for how much protection? Let my trusty spreadsheet try to explain this odd dynamic, using some awfully basic math to highlight the tussle between a property owner and an insurer. Proper premiums We all know that many things tied to housing in California are expensive. So, it might surprise you to know that California’s home insurance rates look relatively affordable when compared with premiums across the U.S. California had the 37th-highest annual premiums at an average $1,434 a year to cover $360,000 in damages, according to my look at policy price rankings from Nerdwallet, Insurance.com, and Bankrate. The national median was $1,963. And the highest premiums were found in Middle America where wind and hail pound homes – Oklahoma at $4,766, then Nebraska at $3,985, Kansas at $3,774, Texas at $3,389 and Arkansas at $3,172. One argument the insurance industry makes to explain their wariness about protecting more California homes is that they don’t feel they’re being adequately compensated for their risks. Remember, insurance premiums are regulated by the state’s Department of Insurance. Costly construction Building housing in California isn’t cheap – and that’s a hefty slice of insurance cost. For starters, the California construction workers who’d fix your home are pricey. They earn the nation’s fifth-highest annualized average pay of $89,300, according to federal job stats. These jobs pay better only in Massachusetts ($101,200), New Jersey ($90,500), Illinois ($90,100), and New York ($89,700). Nationwide, construction wages run $80,300. Those paychecks are one reason why California ranked No. 3 among the states with an average construction expense of $188 per square foot, according to my combination of building expense benchmarks from Today’s Homeowner and Forbes. The national median was $149 and only two states were costlier: Hawaii at $206 and Alaska at $189. On the other hand, the typical home in California is far smaller than the typical American residence. That might offer some savings on a significant repair bill. The median California house is 1,860 square feet, 37th among the states vs. the 2,014 U.S. norm, says the American Home Size Index. The biggest houses are in Utah at 2,800 square feet and the smallest are in Hawaii at 1,164. Combine cost and size and you get a rudimentary replacement value for a quasi-typical California home: $349,000. That’s eighth-highest in the nation and far above the nation’s $304,000. The highest was in Utah at $427,000. The low was in Iowa at $213,000. Now before you scoff at those guestimates, much of a California home’s huge price tag comes from the lofty value of the land it sits on. You still have a lot even if, say, a wildfire burns the home to the ground. Another wrinkle is the age of housing. Old homes typically required the cost of being brought up to modern construction codes when repaired. California ranked 16th for the age of housing stock at 45 years vs. 35 nationally, according to the Census Bureau. The oldest housing is in New York at 63. The youngest is in Nevada at 25. What are the odds? The owner and the insurer both want the premium to properly reflect the likelihood a housing hazard will damage the property. And it’s a good bet that the largest perils can be tied to Mother Nature. California had the fifth-most dangerous conditions, according to my composite of climate-risk scorecards from CoreLogic, WorldPopulationReview, WalletHub, and MoneyGeek. No. 1 was Texas, then Louisiana, Mississippi and Oklahoma. The lowest risk, by the way, was found in Rhode Island, Delaware and Connecticut. However, this is a broad brush for scoring home insurance’s risks. Remember two large hazards — flooding and earthquakes — are not protected by a typical California home insurance policy. Plus, home policies also cover losses such as plumbing leaks theft and various legal liabilities. Bottom line This math barely scratches the surface of the pricing debate. Plus, no two owners or insurers will see the California risks the same way. And state insurance regulators have their own views, too. Look, there are far more questions than answers surrounding California’s home insurance headaches. But there’s an over-arching issue that California will have to figure out: What’s more important, coverage or cost? Should the regulation err on the side of availability of insurance in a state where owners have to protect considerable real estate values? Or is the price of protection paramount in a state where housing expenses aggressively stretch many family budgets? Jonathan Lansner is the business columnist for the Southern California News Group. He can be reached at jlansner@scng.com Related Articles Housing | California condo owners to get expanded FAIR plan fire insurance Housing | California homeowners sue FAIR Plan, insurer of last resort, over smoke damage coverage Housing | Map: Here’s where Allstate wants to raise California homeowners’ insurance rates Housing | San Bernardino County supervisors ask state to declare emergency over homeowners insurance Housing | State Farm seeks ‘massive’ insurance rate hike for California homeowners Originally Published: June 30, 2023 at 7:24 a.m.Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on Reddit (Opens in new window)Click to print (Opens in new window) Newsroom Guidelines News Tips Contact Us Report an Error Most PopularMost PopularThis map shows the location of the Edgehill fire burning in San BernardinoThis map shows the location of the Edgehill fire burning in San Bernardino5.2 magnitude earthquake centered near Lamont shakes Southern California5.2 magnitude earthquake centered near Lamont shakes Southern CaliforniaEastvale Little League baseball team advances to West Region championship gameEastvale Little League baseball team advances to West Region championship gameArmed man shot by deputies at Sprouts in Rancho Cucamonga suspected of prior Upland shootingArmed man shot by deputies at Sprouts in Rancho Cucamonga suspected of prior Upland shooting‘All of us are safe,’ says owner of home destroyed by Edgehill fire in San Bernardino‘All of us are safe,’ says owner of home destroyed by Edgehill fire in San BernardinoEdgehill fire that destroyed 5 homes, damaged others in San Bernardino is 75% containedEdgehill fire that destroyed 5 homes, damaged others in San Bernardino is 75% containedSkydiving instructor and student killed in Perris after ‘dust devil’ caused turbulent landingSkydiving instructor and student killed in Perris after ‘dust devil’ caused turbulent landingEdgehill brush fire in San Bernardino damages or destroys 4 homes, evacuations in placeEdgehill brush fire in San Bernardino damages or destroys 4 homes, evacuations in placeSouplantation copy Soup ‘n Fresh is a big draw in Rancho CucamongaSouplantation copy Soup ‘n Fresh is a big draw in Rancho CucamongaAging Glen Helen Rehabilitation Center in Devore temporarily closing for renovationsAging Glen Helen Rehabilitation Center in Devore temporarily closing for renovations Trending Nationally Taylor Swift concerts in Vienna canceled after terror plot uncoveredMigrant day laborers sue Home Depot, CPD and city of Chicago, alleging abuse and harassmentNew Jersey boat reels in bigeye tuna potentially worth $4.2 million in White Marlin OpenMcDonald’s will launch a Collector’s Meal with six nostalgic cups on Aug. 13MyKayla Skinner calls on Simone Biles to stop feud amid threats More in Housing SUBSCRIBER ONLY Housing | More Americans tapping home equity credit lines, NY Fed says Housing | Riverside ranked as Southern California’s best city for apartment hunting SUBSCRIBER ONLY Housing | Topanga home of Virginia T. 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California home insurance: What’s more important, coverage or cost? – Orange County Register Skip to content All Sections Subscribe Now 67°F Thursday, August 8th 2024 e-Edition Home Page Close MenuNews News Crime and Public Safety Investigative Reporting Business Best Reviews Housing Politics Health Environment Orange County North OC Anaheim Brea Buena Park Cypress Fullerton Garden Grove La Habra La Palma Orange + Villa Park Placentia Santa Ana Seal Beach+ Los Alamitos Stanton Tustin Westminster Yorba Linda South OC Costa Mesa Dana Point Fountain Valley Huntington Beach Irvine Laguna Beach Laguna Niguel + Aliso Viejo Laguna Hills Ladera Ranch Lake Forest Laguna Woods Mission Viejo Newport Beach Rancho Santa Margarita San Clemente San Juan Capistrano Sports Sports Angels Dodgers Chargers Rams Ducks Kings Lakers High School Sports Clippers College Sports UCLA Sports USC Sports Olympics Boxing/MMA Soccer Horse Racing Things To Do Things To Do Restaurants Food and Drink Movies Music + Concerts Amusement Parks + Disneyland Theater + Arts Casinos TV and Streaming Home + Garden Travel Books Comics Puzzles Best of Orange County Orange County Register Store Events Obituaries Obituaries News Obituaries Place an Obituary Opinion Opinion Editorials Opinion Columns Commentary Letters to the Editor Editorial Board Endorsements SCNG Premium The T.E.A. Subscribe Log In Logout Close Menu Get the latest news delivered daily! Sign Up Housing | California home insurance: What’s more… Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on Reddit (Opens in new window)Click to print (Opens in new window) Subscribe Log In Account Settings Contact Us Log Out Spoof a user Get the latest news delivered daily! Sign Up Subscribe Log In Search 67°F Thursday, August 8th 2024 e-Edition Housing Crime Investigative Reporting Business Housing Politics Environment Trending: Housing | 🎡 OC Fair 2024 Housing | 19 arrested in Costa Mesa Housing | OC pizza spots to try 🍕 Housing | New electricity charge Housing | Olympics: How to watch 🥇 NewsHousingOpinion ColumnistOpinion Columnist Represents the opinion of the author who is either a paid columnist or an unpaid guest columnist. SUBSCRIBER ONLY Housing | California home insurance: What’s more important, coverage or cost? State Farm and Allstate stopped writing new property policiesShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on Reddit (Opens in new window)Click to print (Opens in new window)By Jonathan Lansner | jlansner@scng.com | Orange County RegisterUPDATED: June 30, 2023 at 9:04 a.m. California’s home insurance challenges are a complex web of risk management, construction costs, pricing algorithms, climate forecasts and regulatory minutia. Recently, State Farm and Allstate — two major home insurers in California – chose to stop writing new property policies, citing rising costs. Their moves raise fears of a potential statewide insurance shortage. This begs the question: What are fair premiums and how will they offer homeowners decent protection while providing insurers a fair profit? Now, insurance pricing logic makes the average human’s head hurt. It requires calculating the risks of everything from major catastrophes to modest calamities at just one home. The variables run from climate to construction to crime. Add that up and then make a big bet: How much money for how much protection? Let my trusty spreadsheet try to explain this odd dynamic, using some awfully basic math to highlight the tussle between a property owner and an insurer. Proper premiums We all know that many things tied to housing in California are expensive. So, it might surprise you to know that California’s home insurance rates look relatively affordable when compared with premiums across the U.S. California had the 37th-highest annual premiums at an average $1,434 a year to cover $360,000 in damages, according to my look at policy price rankings from Nerdwallet, Insurance.com, and Bankrate. The national median was $1,963. And the highest premiums were found in Middle America where wind and hail pound homes – Oklahoma at $4,766, then Nebraska at $3,985, Kansas at $3,774, Texas at $3,389 and Arkansas at $3,172. One argument the insurance industry makes to explain their wariness about protecting more California homes is that they don’t feel they’re being adequately compensated for their risks. Remember, insurance premiums are regulated by the state’s Department of Insurance. Costly construction Building housing in California isn’t cheap – and that’s a hefty slice of insurance cost. For starters, the California construction workers who’d fix your home are pricey. They earn the nation’s fifth-highest annualized average pay of $89,300, according to federal job stats. These jobs pay better only in Massachusetts ($101,200), New Jersey ($90,500), Illinois ($90,100), and New York ($89,700). Nationwide, construction wages run $80,300. Those paychecks are one reason why California ranked No. 3 among the states with an average construction expense of $188 per square foot, according to my combination of building expense benchmarks from Today’s Homeowner and Forbes. The national median was $149 and only two states were costlier: Hawaii at $206 and Alaska at $189. On the other hand, the typical home in California is far smaller than the typical American residence. That might offer some savings on a significant repair bill. The median California house is 1,860 square feet, 37th among the states vs. the 2,014 U.S. norm, says the American Home Size Index. The biggest houses are in Utah at 2,800 square feet and the smallest are in Hawaii at 1,164. Combine cost and size and you get a rudimentary replacement value for a quasi-typical California home: $349,000. That’s eighth-highest in the nation and far above the nation’s $304,000. The highest was in Utah at $427,000. The low was in Iowa at $213,000. Now before you scoff at those guestimates, much of a California home’s huge price tag comes from the lofty value of the land it sits on. You still have a lot even if, say, a wildfire burns the home to the ground. Another wrinkle is the age of housing. Old homes typically required the cost of being brought up to modern construction codes when repaired. California ranked 16th for the age of housing stock at 45 years vs. 35 nationally, according to the Census Bureau. The oldest housing is in New York at 63. The youngest is in Nevada at 25. What are the odds? The owner and the insurer both want the premium to properly reflect the likelihood a housing hazard will damage the property. And it’s a good bet that the largest perils can be tied to Mother Nature. California had the fifth-most dangerous conditions, according to my composite of climate-risk scorecards from CoreLogic, WorldPopulationReview, WalletHub, and MoneyGeek. No. 1 was Texas, then Louisiana, Mississippi and Oklahoma. The lowest risk, by the way, was found in Rhode Island, Delaware and Connecticut. However, this is a broad brush for scoring home insurance’s risks. Remember two large hazards — flooding and earthquakes — are not protected by a typical California home insurance policy. Plus, home policies also cover losses such as plumbing leaks theft and various legal liabilities. Bottom line This math barely scratches the surface of the pricing debate. Plus, no two owners or insurers will see the California risks the same way. And state insurance regulators have their own views, too. Look, there are far more questions than answers surrounding California’s home insurance headaches. But there’s an over-arching issue that California will have to figure out: What’s more important, coverage or cost? Should the regulation err on the side of availability of insurance in a state where owners have to protect considerable real estate values? Or is the price of protection paramount in a state where housing expenses aggressively stretch many family budgets? Jonathan Lansner is the business columnist for the Southern California News Group. He can be reached at jlansner@scng.com Related Articles Housing | California condo owners to get expanded FAIR plan fire insurance Housing | California homeowners sue FAIR Plan, insurer of last resort, over smoke damage coverage Housing | Map: Here’s where Allstate wants to raise California homeowners’ insurance rates Housing | FEMA tries to limit building in flood plains Housing | San Bernardino County supervisors ask state to declare emergency over homeowners insurance Originally Published: June 30, 2023 at 7:24 a.m.Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on Reddit (Opens in new window)Click to print (Opens in new window) Newsroom Guidelines News Tips Contact Us Report an Error Most PopularMost Popular‘Big light in this dark world’: Friends mourn disabled Irvine man who police say was stabbed by ex-caretaker‘Big light in this dark world’: Friends mourn disabled Irvine man who police say was stabbed by ex-caretakerVictoria Beach homeowner must remove ‘unpermitted building’ or face fines, Coastal Commission saysVictoria Beach homeowner must remove ‘unpermitted building’ or face fines, Coastal Commission saysLaguna Beach’s Rebel Omakase wins its first Michelin starLaguna Beach’s Rebel Omakase wins its first Michelin starCostco card entry scanners popping up at Southern California warehousesCostco card entry scanners popping up at Southern California warehousesMichelin Guide reveals star Orange County restaurants for 2024Michelin Guide reveals star Orange County restaurants for 2024OCVarsity Hot 150: Orange County’s top impact football players for 2024OCVarsity Hot 150: Orange County’s top impact football players for 2024Skydiving instructor and student killed in Perris after ‘dust devil’ caused turbulent landingSkydiving instructor and student killed in Perris after ‘dust devil’ caused turbulent landing5.2 magnitude earthquake centered near Lamont shakes Southern California5.2 magnitude earthquake centered near Lamont shakes Southern CaliforniaViet America Society will refuse OC officials’ demand for return of $2.2 million, says nonprofit’s lawyerViet America Society will refuse OC officials’ demand for return of $2.2 million, says nonprofit’s lawyerMonths after their arrests, UC Irvine students’ fates remain uncertainMonths after their arrests, UC Irvine students’ fates remain uncertain Trending Nationally Taylor Swift concerts in Vienna canceled after terror plot uncoveredMigrant day laborers sue Home Depot, CPD and city of Chicago, alleging abuse and harassmentNew Jersey boat reels in bigeye tuna potentially worth $4.2 million in White Marlin OpenMcDonald’s will launch a Collector’s Meal with six nostalgic cups on Aug. 13MyKayla Skinner calls on Simone Biles to stop feud amid threats More in Housing Housing | More Americans tapping home equity credit lines, NY Fed says Housing | Riverside ranked as Southern California’s best city for apartment hunting Housing | Topanga home of Virginia T. Norwood, ‘the mother of Landsat’ imaging, seeks $2.3M SUBSCRIBER ONLY Business | Stock market finally discovers economy is cooling. Indexes take big dives 2023 June 30 Subscribe Sign Up For Newsletters e-Edition Breaking News Marketplace Classified Obituary Legals Local Job Board About OC Register About Southern California News Group MediaNews Group Work With Us Privacy Policy Accessibility News Archive Advertising Solutions Get in Touch with a Marketing Strategist Request Media Kit Creative Services Content Marketing Contact Us Corrections OC Register Store Reader Rewards Photo Reprints Sponsored Access Partners Live Traffic Map Newspapers in Education Sponsor a Student Subscribe Now Terms of Use Cookie Policy California Notice at Collection Notice of Financial Incentive Do Not Sell/Share My Personal Information Arbitration Powered by WordPress.com VIP Copyright © 2024 MediaNews Group Close

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To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. advisor Banking Best Online Banks Advertiser Disclosure 10 Best Online Banks of August 2024 Elizabeth AldrichBanking WriterWith eight years of experience as a financial journalist and editor and a degree in economics, Elizabeth Aldrich has worked on thousands of articles within the realm of banking, economics, credit cards, investing, loans, personal finance and travel....See Full BioElizabeth AldrichBanking WriterWith eight years of experience as a financial journalist and editor and a degree in economics, Elizabeth Aldrich has worked on thousands of articles within the realm of banking, economics, credit cards, investing, loans, personal finance and travel....See Full BioWritten ByElizabeth Aldrich Elizabeth AldrichBanking WriterWith eight years of experience as a financial journalist and editor and a degree in economics, Elizabeth Aldrich has worked on thousands of articles within the realm of banking, economics, credit cards, investing, loans, personal finance and travel....See Full BioElizabeth AldrichBanking WriterWith eight years of experience as a financial journalist and editor and a degree in economics, Elizabeth Aldrich has worked on thousands of articles within the realm of banking, economics, credit cards, investing, loans, personal finance and travel....See Full BioBanking Writer Michael BenningerManaging EditorWith more than 15 years of experience crafting content about all aspects of personal finance, Michael Benninger knows how to identify smart moves for your money. His work has been published by Intuit, Insider and the Los Angeles Times, and he's been...See Full BioMichael BenningerManaging EditorWith more than 15 years of experience crafting content about all aspects of personal finance, Michael Benninger knows how to identify smart moves for your money. His work has been published by Intuit, Insider and the Los Angeles Times, and he's been...See Full BioMichael BenningerMichael BenningerManaging EditorWith more than 15 years of experience crafting content about all aspects of personal finance, Michael Benninger knows how to identify smart moves for your money. His work has been published by Intuit, Insider and the Los Angeles Times, and he's been...See Full BioMichael BenningerManaging EditorWith more than 15 years of experience crafting content about all aspects of personal finance, Michael Benninger knows how to identify smart moves for your money. His work has been published by Intuit, Insider and the Los Angeles Times, and he's been...See Full BioFact Checked|Managing Editor & 1 otherUpdated: Jul 29, 2024, 9:52am Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations. The best online banks offer a healthy mix of high APYs, low fees and reasonable minimum requirements. We’ve compared the products and services of 60 nationally available online banks to find some of the best options available. See below to learn more about why we picked each institution, the pros and cons, and to access individual bank reviews. Annual percentage yields (APYs) and account details are accurate as of August 6, 2024. Why you can trust Forbes Advisor Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. You can read more about our editorial guidelines and the banking methodology for the ratings below. 60 online banks analyzed 12 data points evaluated 7 overall aspects scored Read More Show Summary Savings Promotions for 2024 - [Featured Partner] Best Online Banks of August 2024 Summary of Best Online Banks 2024 Guide to Online Banking What Is Online Banking? Pros and Cons of Online Banks How To Choose an Online Bank Is Online Banking Safe? How To Open an Online Bank Account Online Banks vs. Traditional Banks Who Are Online Banks Best For? Recap: Best Online Banks of 2024 Methodology Banks We Monitor Frequently Asked Questions (FAQs) Next Up In Banking Find The Best Accounts Best CD Rates Best High-Yield Savings Accounts Best Money Market Accounts Best Checking Accounts Best Business Checking Accounts FEATURED PARTNER OFFER Chase Private Client Checking℠ Offer Expires October 16, 2024 Earn up to $3,000* Annual Percentage Yield The Annual Percentage Yield (APY), for Chase Private Client CheckingSMeffective as of 6/28/24 is 0.01% for all balances in all states. Interest rates are variable and subject to change. Additionally, fees may reduce earnings on the account. 0.01% Monthly Maintenance Fee $35 Learn More Via Chase.com Expires October 16, 2024 Earn up to $3,000* The Annual Percentage Yield (APY), for Chase Private Client CheckingSMeffective as of 6/28/24 is 0.01% for all balances in all states. Interest rates are variable and subject to change. Additionally, fees may reduce earnings on the account. 0.01% $35 *Details You’re eligible for up to a $3,000 bonus when you open a new Chase Private Client CheckingSM account with qualifying activities. Speak with a Private Client Banker to open your Chase Private Client CheckingSM account today. Schedule your meeting at your nearest branch or over the phone. Priority service for everyday banking. Receive personalized attention from a dedicated Chase Private Client Banker who is ready to help you. *Earn $1,000 when you deposit $150,000 or earn $2,000 when you deposit $250,000 or earn $3,000 when you deposit $500,000. No ATM fees worldwide. No Chase fee on incoming or outgoing wire transfers. Enjoy higher limits on Chase Private Client debit card purchases and ATM withdrawals, as well as higher Zelle® and Chase QuickDepositSM limits. Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC. Deposit products are FDIC insured up to the maximum amount allowed by law. Best Online Banks of August 2024 Best Online Bank for Checking Accounts Bank5 Connect 5.0 Our ratings take into account a product’s features, costs, consumer ratings, security and other category-specific attributes. All ratings are determined solely by our editorial team. Products Checking, savings, CDs Fees Nonsufficient funds fees; no monthly, overdraft or ATM fees ATM Network Thousands Learn More Read Our Full Review Checking, savings, CDs Nonsufficient funds fees; no monthly, overdraft or ATM fees Thousands Editor's Take We chose Bank5 Connect High-Interest Checking for its high-interest checking account, which offers 2.70% APY on balances of $100 or more and comes with no monthly fees and the ability to earn cash-back rewards with your debit card. You’ll also get up to $15 per month in ATM fee reimbursements. Why We Like It We like Bank5’s high-yield, free checking account and its cash-back rewards debit card. The Bank5 Jumbo Savings account also offers a competitive 5.10% APY, but you’ll need to have a balance of at least $25,000 to qualify. What We Don’t Like Unless you can qualify for Bank5’s jumbo savings account, its savings rates aren’t the best around. Bank5’s ATM network is also fairly limited, but it does help that the bank doesn’t charge any ATM fees—and even offers reimbursements for ATM fees charged by other banks. Who It’s Best For You should look into Bank5 if you’re primarily looking for a rewarding, low-fee checking account. It might also be worth considering if you’ve got $25,000 or more to stash in savings. Pros & Cons High APY on checking account Cash-back rewards debit card No monthly maintenance fees No ATM fees ATM fee reimbursements Competitive rate on jumbo savings account 100% deposit insurance through Depositors Insurance Fund (DIF) protection Low APY on regular savings account Small ATM network Not available to residents of Massachusetts or Rhode Island Details Residents of Massachusetts and Rhode Island are not eligible to bank with Bank5 Connect. Accounts are insured by the FDIC, and all deposits above the FDIC limit of $250,000 are 100% insured by Depositors Insurance Fund (DIF) protection. Best Online Bank for High APYs Quontic Bank 4.9 Our ratings take into account a product’s features, costs, consumer ratings, security and other category-specific attributes. All ratings are determined solely by our editorial team. Products Savings, Checking, MMAs, CDs Fees No monthly, overdraft or ATM ATM Network 90,000+ ATMs nationwide Learn More On Quontic Bank's Website Savings, Checking, MMAs, CDs No monthly, overdraft or ATM 90,000+ ATMs nationwide Editor's Take We chose Quontic Bank as one of the best online banks because it offers top APYs on all its accounts: 1.10% APY APY on its Quontic Bank High Interest Checking account, 4.50% APY on its Quontic Bank High Yield Savings account, 5.00% APY on its Quontic Bank Money Market Account and 4.30% to 5.10% APY on its Quontic Bank Certificate of Deposit. Why We Like It We like Quontic’s high APYs and low fees and minimum deposit requirements. The bank also has a Quontic Bank Cash Rewards Checking account that pays up to 1.00% cash back on all qualifying debit card transactions. What We Don’t Like Quontic makes it easy to earn the stated APY on most of its accounts but to earn the 1.10% APY APY with its High Interest Checking account, you’ll need to make at least 10 qualifying debit card transactions of at least $10 each per statement cycle. Who It’s Best For You should go for this online bank if you’re after high APYs and want to be able to take care of all your banking in one place. Pros & Cons Offers cash-back checking, interest checking and bitcoin checking Mobile and online banking Access to more than 90,000 surcharge-free ATMs Designated as a CDFI Full-service bank May find higher rates are available from some banks and credit unions Customer service isn’t available 24/7 Details Quontic Bank offers one savings account, two checking accounts, a money market account and five CDs with terms ranging from six months to 60 months. Best Online Bank for Savings Tools Ally Bank 4.8 Our ratings take into account a product’s features, costs, consumer ratings, security and other category-specific attributes. All ratings are determined solely by our editorial team. Products Savings, Checking, MMAs, CDs Fees No monthly, overdraft or ATM ATM Network 43,000+ ATMs nationwide Learn More Read Our Full Review Savings, Checking, MMAs, CDs No monthly, overdraft or ATM 43,000+ ATMs nationwide Editor's Take In addition to its competitive rates, low minimum deposit requirements and lack of fees, we chose Ally Bank for its unique online savings tools. With Ally’s savings account, you can create “buckets” that allow you to set 10 different savings goals within a single account. The bank also has a “round ups” feature that transfers the spare change from your transactions into your savings account. And the bank’s “surprise savings” feature analyzes your Ally checking account for money that’s safe to save and transfers it to your savings account automatically. Why We Like It As a full-service online bank, Ally offers an array of high-APY, low-fee checking and savings products. It has an extensive ATM network and reimburses up to $10 per statement cycle for fees charged at out-of-network ATMs. What We Don’t Like Ally’s money market account and CD rates aren’t the highest available. Who It’s Best For Consider Ally Bank if you’re looking to boost your savings account balance—its combination of unique savings tools and a generous savings APY will help you get there. Pros & Cons Offers helpful savings tools High customer service satisfaction 24/7 customer service availability Low to no fees and minimums Out-of-network ATM fee reimbursement up to $10 per month Higher rates are available from other banks and credit unions No way to directly deposit cash Details Ally Bank offers a savings account, interest-checking account, money market account and CD terms from three months to five years. It also offers a raise your rate CD with terms of two and four years and a no-penalty CD with a term of 11 months. Best Online Bank for High-Yield Savings Synchrony Bank 4.7 Our ratings take into account a product’s features, costs, consumer ratings, security and other category-specific attributes. All ratings are determined solely by our editorial team. Products Savings, money market accounts, CDs Fees No monthly fees or ATM fees ATM Network 60,000+ Learn More On Synchrony Bank's Website - Member FDIC Savings, money market accounts, CDs No monthly fees or ATM fees 60,000+ Editor's Take We chose Synchrony Bank because its Synchrony Bank High Yield Savings account pays 4.65% APY, charges no monthly fees and has no minimum deposit requirement. Unlike most savings accounts, Synchrony High Yield Savings comes with an ATM card for easy access to your funds. Why We Like It We like that all of Synchrony’s savings products—its high-yield savings account, money market account and CDs—charge no monthly fees and have no minimum deposit requirements. Its savings account APY is impressive, as are its rates on most CD terms. What We Don’t Like This online bank’s money market account pays less than what you could find elsewhere, and it doesn’t offer a checking account. Who It’s Best For Open an account at Synchrony Bank if you’re looking to open a high-yield savings account or CD, especially if you want to avoid monthly fees and minimum deposit requirements. Pros & Cons Competitive interest rates No monthly fees No minimum deposit requirements for savings and money market accounts ATM card available for high-yield savings account No checking accounts Limited ATM network No physical locations Details Synchrony banking products do not have monthly service or minimum balance fees. Synchrony doesn’t charge a fee to use ATMs, however, there may be a fee charged by the ATM owner. Synchrony refunds up to $5 in ATM-owner fees each month, but if you reach Diamond status in Synchrony’s Perks Rewards program, you’ll get unlimited ATM fee refunds at domestic ATMs. Synchrony does not reimburse fees at international ATMs. Best Online Bank for No Fees Discover® Bank 4.7 Our ratings take into account a product’s features, costs, consumer ratings, security and other category-specific attributes. All ratings are determined solely by our editorial team. Products Savings, Checking, MMAs, CDs Fees No monthly, overdraft or ATM ATM Network 60,000+ ATMs nationwide Learn More Read Our Full Review Savings, Checking, MMAs, CDs No monthly, overdraft or ATM 60,000+ ATMs nationwide Editor's Take Discover® Bank makes our list of best online banks for avoiding fees thanks to its zero-fees policy: no monthly maintenance fees, no insufficient funds fees and no out-of-network ATM fees. There’s also no fee for stop-payment orders, returned items or excessive withdrawals. Why We Like It Discover offers a full suite of banking products and services, including the Discover® Bank Online Savings Account earning 4.25% APY and the Discover® Cashback Debit Checking account that earns 1% cash back on up to $3,000 in debit card purchases each month. See website for details. And customers have access to an extensive ATM network. What We Don’t Like This online bank’s MMA and CD rates could be improved, although it does offer one of the best rates on 10-year CDs. Who It’s Best For Anyone looking to minimize fees while still earning competitive rates and rewards should look into Discover. Pros & Cons Charges very few fees Competitive APYs and cash back earnings Highly rated mobile app Extensive ATM network 24/7 customer service Higher rates are available from other banks and credit unions Doesn’t pay interest on checking account Details Discover Bank offers a cash back checking account, a high-yield savings account, a money market account and CDs with terms from three months to 10 years. The mobile app is highly rated on the App Store and Google Play. Best Online Bank for Full-Service Banking NBKC Bank 4.6 Our ratings take into account a product’s features, costs, consumer ratings, security and other category-specific attributes. All ratings are determined solely by our editorial team. Products Savings, Checking, MMAs, CDs Fees No monthly, overdraft or ATM ATM Network 37,000+ ATMs nationwide Learn More Read Our Full Review Savings, Checking, MMAs, CDs No monthly, overdraft or ATM 37,000+ ATMs nationwide Editor's Take We included NBKC Bank because it’s a full-service bank that offers interest-bearing accounts and keeps fees to an absolute minimum. There are no monthly maintenance fees, overdraft fees, minimum balance fees or foreign transaction fees. Plus, NBKC offers home loans, personal loans and more, so you can take care of all your financial needs in one place. Why We Like It NBKC Bank Everything Account is an interest-bearing checking and savings account combined into one. You can spend, save and pay bills from a single account. It comes with an extensive ATM network and reimburses up to $12 per month for out-of-network ATM fees. Its CD rates are also fairly competitive. What We Don’t Like While the Everything Account’s APY is impressive for a checking account, you could earn a lot more on your savings with one of the best high-yield savings accounts. NBKC’s money market account doesn’t offer the highest rate either. Who It’s Best For Go for NBKC Bank if you want to take care of all of your online banking, and potentially your loans, in one place. It’s also worth checking out if you like the idea of a combined checking and savings account. Pros & Cons Offers a combined checking and savings account Low to no fees Out-of-network ATM fee reimbursement up to $12 per month High customer service satisfaction and live chat tool Full-service bank Higher rates are available from other banks and credit unions Not designed for those who want separate checking and savings accounts Details NBKC Bank offers a combined checking and savings account, a money market account and CD terms from three months to five years. It also has an add-on CD that has a term of one year. Best Online Bank for Mobile Check Deposit SoFi 4.5 Our ratings take into account a product’s features, costs, consumer ratings, security and other category-specific attributes. All ratings are determined solely by our editorial team. Products Checking, savings Fees No monthly maintenance fees or overdraft fees ATM Network 55,000+ Learn More On SoFi's Website Checking, savings No monthly maintenance fees or overdraft fees 55,000+ Editor's Take We ranked SoFi highly because its combined checking and savings account comes with a mobile check deposit feature that allows you to snap a photo of your check and access your funds as early as one day later. This free, interest-bearing account also comes with early direct deposit. Why We Like It You’ll earn 0.50% APY on checking and 4.60% APY on savings if you set up direct deposit or by depositing $5,000 or more every 30 days. Customers who don’t meet this criteria earn 1.20% APY on savings balances with the SoFi Checking and Savings Account. You can even earn cash back when you use your SoFi debit card at qualifying businesses. What We Don’t Like This bank doesn’t offer standalone checking or savings accounts, nor does it offer money market or CD accounts. Who It’s Best For Opt for SoFi if you’re looking for a free checking and savings account that earns competitive yields and comes with extra online banking features like mobile check deposit and savings roundups. Pros & Cons No minimum balance to open No fees for overdrafts or account maintenance Receive direct deposits up to two days early Impressive APY Extensive ATM network and cash back at select retailers No branch locations Only banking product is a combined checking and savings account Details SoFi doesn’t offer separate checking or savings accounts at this time—only the combined SoFi Checking and Savings Account account. Up to 4.60%¹ APY on checking and savings account balances can be yours when you set up direct deposit or by depositing $5,000 or more every 30 days. Members without direct deposit earn 1.20% APY on savings balances. When you open an account, you become a SoFi member, which comes with access to additional benefits like rate reductions on loan products, financial planning services, estate planning discounts, access to exclusive SoFi events and more. SoFi members with Direct Deposit or $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 4.60% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either Direct Deposit or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 10/24/2023. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. Best Online Bank for CDs EverBank 4.5 Our ratings take into account a product’s features, costs, consumer ratings, security and other category-specific attributes. All ratings are determined solely by our editorial team. Products Checking, MMAs, CDs Fees No monthly, overdraft or ATM ATM Network 100,000+ ATMs nationwide Learn More Read Our Full Review Checking, MMAs, CDs No monthly, overdraft or ATM 100,000+ ATMs nationwide Editor's Take We awarded EverBank (formerly TIAA Bank) a top spot for its EverBank Basic CD, which pay competitive rates ranging from 3.80% to 5.05% APY and have a modest opening deposit requirement of $1,000. EverBank CDs come in terms ranging from three months to five years. Why We Like It In addition to its competitive CD rates, EverBank charges no monthly fees on its bank accounts, no overdraft fee from a linked EverBank account and no ATM fees. EverBank’s checking account also automatically reimburses up to $15 each month for third-party ATM charges. Keep a minimum balance of $5,000 or more in your checking account and you’ll get unlimited ATM reimbursements. What We Don’t Like The online bank’s money market account doesn’t pay the highest rate, and EverBank doesn’t offer any CD accounts with terms longer than five years. Who It’s Best For EverBank is best for strategic savers who want to leverage a CD ladder to their advantage. The bank offers eight term lengths under three years and lets you build that sees a CD mature every three months. However, EverBank doesn’t currently offer any CD terms longer than five years. Pros & Cons Offers Yield Pledge promise No monthly, overdraft or ATM fees Unlimited out-of-network ATM fee reimbursement with a $5,000 minimum balance Highly rated mobile app Customer service is available seven days a week You can find higher rates at other banks and credit unions, despite Yield Pledge Details EverBank offers a checking account (Yield Pledge Checking), a savings account, a money market account (Yield Pledge Money Market), basic CDs, a bump-up CD and what it calls an IntraFi CD, a CD that offers expanded FDIC insurance on deposits. Best Online Bank for Customer Service Capital One 360 4.4 Our ratings take into account a product’s features, costs, consumer ratings, security and other category-specific attributes. All ratings are determined solely by our editorial team. Products Savings, Checking, CDs Fees No monthly, overdraft or ATM fees ATM Network 70,000+ ATMs nationwide Learn More Read Our Full Review Savings, Checking, CDs No monthly, overdraft or ATM fees 70,000+ ATMs nationwide Editor's Take We chose Capital One 360 as a top pick for customer service because it offers 24/7 customer service and has been ranked highest in overall customer satisfaction by J.D. Power for four years in a row. This bank is also a unique hybrid of a no-monthly-fee online bank and a brick-and-mortar bank. Its Capital One Cafés offer a place to get personal, face-to-face support from bank representatives and money coaches in a coffee-shop atmosphere. And Eno, the bank’s virtual assistant, is available in the mobile app or by text. Why We Like It None of the bank’s products require a minimum deposit or minimum balance, and Capital One 360 offers high yields on savings and CD accounts. What We Don’t Like This online bank’s Capital One Cafés are a unique perk, but it only has locations in select cities. Who It’s Best For Consider Capital One 360 if you want the low fees and high yields offered by online banks but don’t want to sacrifice good customer service to get them. Pros & Cons Capital One Cafés, with in-person banking support No overdraft fees Customer service available seven days a week Large ATM network No minimum deposit or balance requirements No money market account Capital One Cafés and branches only in select states Details Capital One 360 offers a savings account (360 Performance Savings), checking account (360 Checking) and CDs (360 CDs). It also offers a Kids Savings Account and MONEY Teen Checking. Best Online Bank for Small Business First Internet Bank 4.4 Our ratings take into account a product’s features, costs, consumer ratings, security and other category-specific attributes. All ratings are determined solely by our editorial team. Products Checking, savings, money market accounts, CDs Fees Monthly maintenance, wire transfer and stop payment fees; no overdraft or out-of-network ATM fees ATM Network N/A, $10 in ATM fee reimbursements per month Learn More Read Our Full Review Checking, savings, money market accounts, CDs Monthly maintenance, wire transfer and stop payment fees; no overdraft or out-of-network ATM fees N/A, $10 in ATM fee reimbursements per month Editor's Take We picked First Internet Bank as the best online bank for small businesses because it offers an array of low-fee and interest-bearing business checking, savings, CD and money market accounts. Its Do More Business Checking account has no monthly maintenance fees or minimum deposit requirements, earns interest, and offers unlimited transactions. The bank’s First Internet Bank Certificate of Deposit (Personal) also pay a generous 4.14% to 5.26% APY. Why We Like It We love the rates on this bank’s business MMA and CDs. We also like that it offers two free checking accounts—one designed for new or growing businesses and one for medium- to large-sized businesses. Its personal accounts also come with decent rates and low fees. What We Don’t Like First Internet Bank’s savings rates on both its business and personal accounts are fairly low. Who It’s Best For Look into First Internet Bank if you want to open a business checking account, or a business or personal CD account. Pros & Cons Basic checking has no monthly fees or transaction limits All business accounts earn interest Competitive interest rates on most accounts ATM reimbursements Higher balances required for best interest rates Savings and MMA ATM cards only available to sole proprietors Interest compounds monthly Details First Internet Bank has two business checking accounts, a regular business savings account, a business money market account and business CDs with terms ranging from three months to five years. Do More Business Checking has no monthly fee, but you need to maintain a minimum $10,000 balance to earn interest. Money Market Savings has a $5 monthly fee, waived with a $4,000 minimum daily balance. It earns 3.46% APY with a daily balance of $5 million or below and 5.48% APY with a daily balance above $5 million. Regular Savings has a $2 2 monthly fee, waived with a $1,000 minimum daily balance. It earns 0.91% on all balances. You’ll need to call the bank for information about Commercial Checking. Summary of Best Online Banks 2024 Company Company - Logo Forbes Advisor Rating Forbes Advisor Rating - Image Best For Products Fees ATM Network Learn More CTA text Learn more CTA below text Learn More Bank5 Connect 5.0 Best Online Bank for Checking Accounts Checking, savings, CDs Nonsufficient funds fees; no monthly, overdraft or ATM fees Thousands Learn More Read Our Full Review Quontic Bank 4.9 Best Online Bank for High APYs Savings, Checking, MMAs, CDs No monthly, overdraft or ATM 90,000+ ATMs nationwide Learn More On Quontic Bank's Website Ally Bank 4.8 Best Online Bank for Savings Tools Savings, Checking, MMAs, CDs No monthly, overdraft or ATM 43,000+ ATMs nationwide Learn More Read Our Full Review Synchrony Bank 4.7 Best Online Bank for High-Yield Savings Savings, money market accounts, CDs No monthly fees or ATM fees 60,000+ Learn More On Synchrony Bank's Website Member FDIC Discover® Bank 4.7 Best Online Bank for No Fees Savings, Checking, MMAs, CDs No monthly, overdraft or ATM 60,000+ ATMs nationwide Learn More Read Our Full Review NBKC Bank 4.6 Best Online Bank for Full-Service Banking Savings, Checking, MMAs, CDs Fees No monthly, overdraft or ATM ATM Network 37,000+ ATMs nationwide Learn More Read Our Full Review SoFi 4.5 Best Online Bank for Mobile Check Deposit [Star rating = 4.5] Checking, savings No monthly maintenance fees or overdraft fees 55,000+ Learn More On SoFi's Website Member FDIC EverBank 4.5 Best Online Bank for CDs Checking, MMAs, CDs Fees No monthly, overdraft or ATM 80,000+ ATMs nationwide Learn More Read Our Full Review Capital One 360 4.4 Best Online Bank for Customer Service Savings, Checking, CDs No monthly, overdraft or ATM fees 70,000+ ATMs nationwide Learn More Read Our Full Review First Internet Bank 4.4 Best Online Bank for Small Business Checking, savings, money market accounts, CDs Monthly maintenance fees on some accounts N/A, $10 in ATM surcharge rebates per month Learn More Read Our Full Review Guide to Online Banking What Is Online Banking? Pros and Cons of Online Banks How To Choose an Online Bank Is Online Banking Safe? How To Open an Online Bank Account Online Banks vs. Traditional Banks Who Are Online Banks Best For? Recap: Best Online Banks of 2024 Methodology Banks We Monitor Frequently Asked Questions (FAQs) What Is Online Banking? Online banking is banking conducted virtually, either through a website or mobile app. Rather than going to a branch or ATM to manage your money, you can do so via your laptop or smartphone. Most traditional banks and credit unions offer online banking services to their customers. The range of services available usually doesn’t differ that much from what you’d find at the best online banks. The difference is that with traditional banking, you also have the option of visiting a branch. With online-only banking, you don’t. How Does Online Banking Work? Customers of online banks can initiate transactions online, through a mobile app, by phone or by mail. They also can link online bank accounts with accounts they have at traditional banks, credit unions or other online banks. Online banking products and services vary by institution. Generally, online banks offer the ability to open accounts, pay bills, transfer funds, deposit checks, view statements and carry out other typical banking tasks. Many also offer access to surcharge-free ATM networks. Pros and Cons of Online Banks Pros Online banks offer a number of advantages. Lower Fees Online banks have lower overhead costs and tend to charge fewer fees than brick-and-mortar banks. Many of the best banks online charge no: Monthly maintenance fees Minimum balance fees Person-to-person transfer fees Incoming wire transfer fees Foreign transaction fees Overdraft fees ATM fees Some online banks even offer ATM fee reimbursements for any fees charged by out-of-network ATM operators. Higher Interest Rates Not only do low costs mean fewer fees, but they also mean more competitive interest rates on checking accounts, savings accounts, CDs and money market accounts. Online banks tend to offer APYs well above the national average. Extra Features Some of the best online bank accounts come with digital extras that offer convenience and can help you budget and save. These include: Mobile check deposit Goal trackers Automated savings Financial calculators Budgeting tools Person-to-person payments Integration with mobile wallet apps Easy Applications Online banks allow you to apply for accounts fully online, and their application processes often only take minutes to completely. The best online banks also have sleek, easy-to-use web and mobile interfaces. Cons Many people are switching to online banks, but they aren’t without their drawbacks. No Branch Access The most obvious disadvantage of online banks is that they don’t offer brick-and-mortar locations. This means you can’t do your banking in person. ATM Networks May Be Limited Many online banks have large ATM networks comparable to what traditional banks offer, but some online banks have a smaller or no ATM network. These banks typically offer some form of ATM fee reimbursements so you can use ATMs at other banks and not have to worry about fees, but these reimbursements may be limited to a certain amount per month. May Not Accept Cash Deposits Many online banks don’t accept cash deposits. If you regularly get paid in cash, make sure to find one that does—or opt for a brick-and-mortar bank. Limited Range of Services While plenty of online banks offer a full range of bank accounts, they may not offer all the financial products and services you’d find at a traditional bank. You may only have one option when it comes to choosing a checking or savings account, and some online banks don’t provide lending or investment services. How To Choose an Online Bank Pro Tip Online banks offer higher rates and lower fees because they don’t have the costs typically associated with brick-and-mortar banks. However, there can be an exception. That said, some online banks offer more competitive APYs and products than others. Here are some other things to consider when choosing an online bank: Fees. Pesky fees can quickly eat into your overall bank balance. Look for an online bank that keeps fees of all types to a minimum. That includes monthly fees, overdraft fees and ATM fees. It’s even better if the bank reimburses for third-party ATM charges. Analyze your banking behavior to figure out which fees you need to worry about most. You can often avoid fees with the right bank. APYs. If you’re looking to get the most for your money, find a bank that pays a competitive APY on its financial products. Online banks tend to pay higher rates, so do some comparison shopping to get the best rates you can. Minimums. Lower minimum deposit and balance requirements generally make it easier to maintain an account. Find an online bank with minimum requirements that meet your financial comfort level. Products. The online bank you choose depends heavily on the products you need. Some online banks are full-service financial institutions, offering checking, savings, money market accounts, CDs and other products. Others limit their offerings. ATM network. If having access to cash is important, look for an online bank that offers an extensive surcharge-free ATM network. Check the bank’s site to make sure there are ATMs close to your location or in the areas where you travel most. Customer experience. Online banks typically don’t offer branch access, and if they do, it’s often limited. That’s why it’s essential to keep customer support in mind when shopping for an online bank. Look for a bank that offers easily accessible customer service representatives or online chat alternatives. Digital banking experience. Convenience is crucial in the world of digital banking. With an online bank, your primary interactions occur via the bank’s website and mobile app. The best online banks provide a simple online interface and highly rated mobile apps for banking on the go. Check out reviews of the mobile app on the App Store and Google Play. Safety. Look for a bank insured by the Federal Deposit Insurance Corporation (FDIC), which provides up to $250,000 in insurance per depositor, per bank, for each account ownership category, in the event of a bank failure. At credit unions, make sure the account is insured by the National Credit Union Administration (NCUA). Is Online Banking Safe? Generally, online banks are safe. Look for the Federal Deposit Insurance Corporation (FDIC) to insure your accounts. Online banks with FDIC insurance have the same protections as banks with branches. In many ways, online accounts are safer than traditional bank accounts because of online statements and the focus on digital transactions instead of paper checks. Avoiding paper statements and checks eliminates an opportunity for fraud that many thieves take advantage of. How To Open an Online Bank Account You can open a bank account online via your chosen bank or credit union’s website or mobile app. From there, you’ll generally follow the same steps that you would to open a bank account at a branch. Here’s a typical step-by-step process for opening a bank account online: Visit the bank or credit union’s website, or launch its mobile app. Find the type of bank account you want to open, and fill out an application for a new account. Verify your identity and provide other required information, which may include your address, phone number and email. Make a minimum deposit, if required. Wait for your deposit to clear, which may take a few days. Then, start using your new account. Online Banks vs. Traditional Banks Online Banks Traditional Banks Don’t usually have branch locations Operate brick-and-mortar locations Tend to offer more generous rates and lower fees Typically offer less competitive rates and charge more fees Usually have a limited range of products and services Tend to offer more financial products and services May offer 24/7 virtual customer service See More See Less Related to: Online Banks Vs. Traditional Banks: Which Are Better? Who Are Online Banks Best For? Online banks are best suited for people who are comfortable doing all their banking online or through a mobile app. These banks offer big advantages to anyone who wants to earn higher interest rates and avoid paying banking fees. –Elizabeth Aldrich, deputy editor at Forbes Advisor However, if you prefer face-to-face interactions and still like to take care of some of your banking needs in person, an online bank might not be the best choice for you. Recap: Best Online Banks of 2024 Bank5 Connect: Best for Checking Accounts We rated Bank5 Connect as one of our best because it offers high-interest checking that comes with a cash-back debit card and no monthly fees. Quontic Bank: Best for High APYs We rated Quontic as one of our best because it offers high-interest checking and savings accounts as well as a rewards checking account, all with no monthly fees. Ally Bank: Best for Savings Tools Ally Bank offers unique savings tools on its savings account, such as savings buckets to categorize your funds and the ability to round purchases up to the nearest dollar and transfer the spare change to savings. Discover® Bank: Best for No Fees Discover has a zero-fee policy, which means no monthly fees, no overdraft fees and no ATM fees. Synchrony Bank: Best for High-Yield Savings Synchony Bank’s savings account helped it top our list because it pays a generous APY, charges no monthly fees and comes with an ATM card. NBKC Bank: Best for Full-Service Banking The Everything Account at NBKC Bank is an all-in-one account that earns interest and offers ATM access with almost no fees. It also offers attractive MMAs, CDs and loans. SoFi: Best for Mobile Check Deposit SoFi made our list for its free combined checking and savings account, which comes with extra features like mobile check deposit, early direct deposit and savings tools on top of earning a competitive APY. EverBank: Best for CDs EverBank ranked highly because it promises to offer rates comparable to those offered by the top 5% of competitive accounts, and its CD rates are some of the best available. Capital One 360: Best for Customer Service Capital One 360 made our list because it ranks highly for customer satisfaction year after year, and it offers an array of low-fee, high-yield online accounts as well as branch access. First Internet Bank: Best for Small Business We chose First Internet Bank because it offers a long list of business banking products with low fees and competitive APYs. Methodology To create this list, Forbes Advisor analyzed the products and services of 60 online banks, including a mix of large and small online banks and neobanks. We ranked each bank on 12 data points within the categories of product offerings, APY, fees, ATM network, customer experience, digital experience and minimum requirements. Here’s the weighting assigned to each category: Product offerings: 20% APY: 20% Fees: 20% ATM network: 10% Customer experience: 10% Digital experience: 10% Minimums: 10% Online banks offering the highest APYs and lowest fees across their products rose to the top of the list, as did those with a low minimum deposit and balance requirements and a broad ATM network. Banks with high customer satisfaction and an intuitive digital banking experience also earned higher scores. To appear on this list, the bank must be an online bank with national availability. To learn more about our rating and review methodology and editorial process, check out our guide on How Forbes Advisor Reviews Banks. Banks We Monitor Our research is based on information from the following financial institutions: Acorns, Affinity Federal Credit Union, Affirm, Albert, Alliant Credit Union, Ally Bank, Amalgamated Bank, American Express, Andigo Credit Union, Apple Federal Credit Union, Armed Forces Bank, Aspiration, Axos Bank, BancorpSouth Bank, Bank of America, Bank OZK, Bank5 Connect, BankDirect, BankPurely, BankUnitedDirect, Barclays, Bask Bank, BB&T, BBVA, BECU, Bethpage Federal Credit Union, Betterment, Blue Federal Credit Union, BlueVine, BMO Harris, Bread Financial, Brex, BrioDirect Banking, Cadence Bank, Caliber Home Loans, Capital One, CFG Community Bank, Charles Schwab Bank, Chase, Chevron Federal Credit Union, Chime®, CIBC Bank, CIT Bank, Citibank, Citizens Access, Citizens Bank, Colorado Federal Savings Bank, Comerica, CommunityWide Federal Credit Union, Connexus Credit Union, Consumers Credit Union, Consumers Credit Union (MI), Copper, Credit Union of Denver, Current, Dave, Digital Federal Credit Union, Discover, Dollar Savings Direct, E*Trade Bank, EBSB, Ellevest, EmigrantDirect, Exchange Bank and Trust, Fairway Independent Mortgage, Fidelity, Fifth Third Bank, Financial Partners Credit Union, Financial Resources Federal Credit Union, First Citizens Bank, First Foundation Bank, First Horizon Bank, First Internet Bank, First National Bank and Trust, First National Bank of America, Fitness Bank, FNBO Direct, Freedom Mortgage, Georgia’s Own Credit Union, GoBank, Golden1 Credit Union, Greenlight, Greenwood Credit Union, GTE Financial, Hanscom Federal Credit Union, Heritage Bank, HSBC, HSBC Direct, Hughes Federal Credit Union, Huntington Bank, Huntington National Bank, IBERIABANK, Ideal Credit Union, iGoBanking, Incredible Bank, Interactive Brokers, Investors eAccess, KeyBank, Kinecta Federal Credit Union, La Capitol Federal Credit Union, LendingClub, Lili, Limelight, Live Oak Bank, LoanDepot, M&T Bank, MAC Federal Credit Union, MainStreet Bank, MainStreet Bank (2), Marcus by Goldman Sachs, Memory Bank, Mercury, Michigan State University Federal Credit Union, My Banking Direct, My eBanc, MySavingsDirect, NASA Federal Credit Union, Nationwide Bank, Navy Federal Credit Union, nbkc Bank, Northern Bank Direct, Northpointe Bank, Novo, Nuvision Federal Credit Union, One, Pacific National Bank, Paramount Bank, Pen Air Federal Credit Union,  PenFed, Personal Capital, PNC Bank, Popular Direct, Presidential Bank FSB, Prudential, PSECU, Quicken Loans, Quontic, Quorum Federal Credit Union, Redneck Bank, Regions Bank, Relay, Rising Bank, Robinhood, SalemFiveDirect, Sallie Mae Bank, Santander, SchoolsFirst Federal Credit Union, Security Service Federal Credit Union, Service Credit Union, SFGI Direct, SmartyPig Bank, SoFi, Spectrum Credit Union, State Bank of Texas, State Department Federal Credit Union, State Farm Bank, Step, SunTrust Bank, Superior Choice Credit Union, Synchrony Bank, TAB Bank, TD Ameritrade, TD Bank, Texas Capital Bank, EverBank, TotalDirect Bank, Truist, U.S. Bank, UFB Direct, Union Bank & Trust, United Wholesale Mortgage, USAA, USAlliance Federal Credit Union, Varo Bank, Vio Bank, Virtual Bank, Wealthfront, Webster Bank, Wells Fargo, Zions Bank and Zynlo Bank. Frequently Asked Questions (FAQs) What are the best online banks? The best online banks are those that meet your needs. If you’re happy with your current banking relationship but want to earn more interest on your savings, consider finding an online bank with a competitive high-yield savings account. If you’re looking to replace your current bank, focus on the overall package. Look for an online bank that keeps fees and minimum requirements low, offers high APYs and provides easy access to your money via ATMs and mobile apps. Seek out a bank with excellent customer service as well. Are online banks FDIC-insured? The FDIC insures many online banks. Other online banks are affiliated with brick-and-mortar banks that are FDIC insured. And some offer additional insurance protections through organizations like the Massachusetts Depositors Insurance Fund (DIF). FDIC-insured accounts are covered up to $250,000 per depositor, for each ownership category, in the event of a bank failure. Before opening a bank account, confirm that the financial institution is FDIC insured. Look for the National Credit Union Administration (NCUA) to insure nationally chartered, and many state-chartered, credit unions for similar amounts. Do online banks have ATMs? Online banks usually don’t operate their own branded ATMs, but in many cases, they offer fee-free ATM access through partner banks. ATM networks vary in size depending on which bank you use, with some of the best online banks offering free access to more than 37,000 ATMs nationwide. If you withdraw cash often, check whether your account comes with ATM fee reimbursements, as out-of-network ATM surcharges can quickly add up. What bank accounts can I open for free? There’s no such thing as a completely free bank account. All bank accounts come with fees attached in some form. But it is possible to find checking accounts and savings accounts with no monthly maintenance fees. How do you get a bank statement online? You can retrieve your bank statements by logging into your account and navigating to the statements page of your bank’s website. Why is my online bank account locked? Online bank accounts can become locked for a few reasons. Banks can freeze them if incorrect credentials, such as a username or password, are entered too many times. Accounts could also become locked if the online bank detects suspicious activity, such as fraud or money laundering. In some cases, your account could be locked if you have too many unpaid debts with creditors or the government. Why can't I open a bank account online? You might not be able to open a bank account online if you don’t have certain required documents, such as a government-issued photo ID, U.S. residential address, Social Security number or taxpayer identification number. Additionally, your application might be denied if you’ve had too many negative marks, such as overdrafts or bounced checks, reported to ChexSystems. How do you deposit cash into an online bank? If your online bank has an ATM network that allows cash deposits, you can typically deposit cash at an in-network ATM the same way you would with a traditional bank. Some online banks without ATM networks offer cash deposits at certain retailers, though this may result in a fee of up to $5 or more. Many online banks don’t support cash deposits at all but may offer a mobile check deposit feature. Next Up In Banking Best Online Checking Accounts ATM Withdrawal Limits: What You Need To Know Chime Review Capital One Checking And Savings Bonuses How To Switch Banks: A Step-By-Step Guide 5 Places To Save Money And Earn Interest Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results. Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners. Elizabeth Aldrich Banking Writer With eight years of experience as a financial journalist and editor and a degree in economics, Elizabeth Aldrich has worked on thousands of articles within the realm of banking, economics, credit cards, investing, loans, personal finance and travel. Her work has been featured in Business Insider, The Motley Fool, Bankrate, Investopedia, LendingTree, Student Loan Hero, ValuePenguin, USA Today, Credit Karma, NASDAQ, Yahoo! Finance and more. Was this article helpful? Share your feedback Send feedback to the editorial team Rate this Article ★ ★ ★ ★ ★ Please rate the article Email Please enter valid email address Comments We'd love to hear from you, please enter your comments. Invalid email address Submit This form is protected by reCAPTCHA Enterprise and the Google Privacy Policy and Terms of Service apply. Thank You for your feedback! Something went wrong. Please try again later. The Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. This compensation comes from two main sources. 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Home hardening can help property owners avert fire disaster | Orange County, CA PatchSkip to main contentOrange County, CASubscribeNews FeedEventsLocal BusinessesClassifiedsPostAdvertiseNearbyFountain Valley NewsNewport Beach-Corona Del Mar NewsLake Forest NewsHuntington Beach NewsAliso Viejo NewsMission Viejo NewsLaguna Beach NewsLos Alamitos-Seal Beach NewsTrabuco Canyon NewsRancho Santa Margarita NewsLocal NewsCommunity CornerCrime & SafetyPolitics & GovernmentSchoolsTraffic & TransitObituariesPersonal FinanceNeighbor NewsBest OfSeasonal & HolidaysWeatherArts & EntertainmentBusiness & TechHealth & WellnessHome & GardenSportsTravelKids & FamilyPetsRestaurants & BarsEventsLocal BusinessesClassifiedsReal EstateSee all communitiesAdvertiseNearby CommunitiesFountain Valley, CANewport Beach-Corona Del Mar, CALake Forest, CAHuntington Beach, CAAliso Viejo, CAMission Viejo, CALaguna Beach, CALos Alamitos-Seal Beach, CATrabuco Canyon, CARancho Santa Margarita, CAState EditionCaliforniaNational EditionTop National NewsSee All CommunitiesThis post was contributed by a community member. The views expressed here are the author's own.Crime & SafetyHome hardening can help property owners avert fire disasterIn fire-prone areas, like much of Orange County, residents can always improve their overall fire preparation. Behind The Badge, Community ContributorPosted Fri, Jun 30, 2023 at 6:04 am PTBy Greg MellenTogether they meticulously examine dormers, eaves, attic vents, siding, the roof, connections between fences and gutters and the house. They review the landscaping, the types, height, and proximity of vegetation. Decks and patios get the once-over as well.Find out what's happening in Orange Countywith free, real-time updates from Patch.SubscribeKim Brown, Orange County Fire Authority (OCFA) Assistant Fire Marshal, scans everything with a practiced eye as she walks around the Rancho Santa Margarita home of Rich Keenan as part of a free Home Assessment consultation. OCFA offers in-person as well as online assessments. Tours last about 45 minutes and homeowners receive a detailed report showing how their homes and lots rate and areas in which they can improve. In fire-prone areas, like much of Orange County, residents can always improve their overall fire preparation. Public safety sites such as ReadyOC have specific sections on wildfires preparedness including clearing vegetation, identifying evacuation routes and having enough supplies in your household.Find out what's happening in Orange Countywith free, real-time updates from Patch.SubscribeReadyOC states, “According to Verisk’s 2019 Wildfire Risk Analysis 4.5 million U.S. homes were identified at high or extreme risk of wildfire. About 40 percent were in California.” In the wake of an unusually wet winter of atmospheric rivers after a calm fire season, there is unprecedented undergrowth on hillsides, which translates into excessive fuel for fires. Earlier this year, State Farm announced it would not sell any new home insurance policies in California. With that announcement came a revelation by Allstate that it had quietly made the same decision last year, all of which underscores the importance of protecting homes from fire.Looking for vulnerabilities Brown and Keenan examine the home for any place where flying fire embers could settle and grow. Each year embers, which can fly five miles ahead of advancing flames, destroy homes far from wildland areas.In susceptible areas, the concern is particularly acute, such as in Keenan's Dove Canyon neighborhood immediately south of Trabuco Canyon and southwest of where the 2018 Holy Fire torched more than 20,000 acres. So, in the review, Brown addresses concerns big and small. There are myriad places where embers can embed unnoticed and cause massive problems. “Firefighters don’t even know until they get inside,” Brown said. Home hardening, with the use of flame-resistant building materials, reduces the chance of ignition from direct flame, firebrand showers, and radiant heat coming from outside of a defensible zone, according to OCFA. Abutting Keenan’s property and the lush green fairway below is a hillside overgrown with two- to three-foot-tall onion weed, bougainvillea, and grasses. The hillside, which still retains hints of green from winter, is scheduled to be mowed by the property management company and Keenan is monitoring it closely.“They’ll start drying up pretty soon,” Fire Inspector Franicisco Rivera said of the weeds, “that’s the risk.” On his property, Keenan is advised to keep vegetation low, spaced apart and, preferably, away from the house. Keenan said his wife would not be pleased when she heard they would be removing vegetation to five feet from the home and replacing it with rocks. Luckily for Keenan, although his house was built in 1994 and prior to a number of fire codes, his attention to detail and proactive measures to harden his home leads to a positive general review. Community-wide efforts needed Keenan’s neighbor, Dennis Shoji, is a delegate of the Dove Canyon Homeowners Association. He has lobbied long and loud for greater attention to fire preparedness and safety as well as architectural and other guidelines to protect the neighborhood of $1.5 to $2 million homes.Although other homeowners have been resistant, “We’re slowly building momentum,” Shoji said. “It’s really good to see neighborhoods interested (in fire prevention),” Brown said. As part of its mission to increase fire education, OCFA promotes its “Ready, Set, Go” initiative. The program advises residents to be: ● Ready, by taking personal responsibility and preparing long before the threat of a wildfire is imminent; ● Set, with a vehicle packed with an emergency kit, when the time approaches to leave and be aware of the latest news from local media and fire department; and● Go, with an action plan and an evacuation route to allow firefighters to maneuver. Community groups can request presentations from OCFA on fire and other safety and disaster preparedness issues. Brown also recommends residents sign up with Alert OC to receive immediate city and neighborhood-specific safety information in emergencies. Preparedness is particularly important in vulnerable areas where housing and wildlands intersect, such as adjacent to Trabuco Canyon. “There’s definitely potential,” Brown said of Keenan’s neighborhood being affected by fire. “It’s completely surrounded by wildlands.” Fire season comingSouthern California’s unexpectedly wet winter brought a banner season with green hills and a profusion of wildflowers. But don’t be fooled. While the spring colors were beautiful in the short term, in the long term they mean something else to firefighters – fuel. “These grasses will die and we know it will happen,” said Isaac Sanchez, Battalion Chief in Communications with Cal Fire. And when that happens, he said, “It results in increased fuel loading in vegetation that has a short life cycle – grasses that bolster fire danger.” That’s why, Sanchez says, “We have to expect the worst and then build our preparations around that.” “We're on the precipice of a big fire season every year,” Eric Knapp, a research ecologist with the U.S. Forest Service, told the San Francisco Standard.For those on the edges of the wildlands, there is risk and reward. As OCFA says, “Homes survive wildfires because of home hardening and vegetation management, not because of fate or luck.”ThankShareThe views expressed in this post are the author's own. Want to post on Patch? Register for a user account.To request removal of your name from an arrest report, submit these required items to arrestreports@patch.com.More from Orange CountyCrime & Safety|1dPolice Bust Hideout In Former Marine Corps Hangar In South OCCommunity Corner|2dOC Fair-Goer Is Holding $1 Million TicketCrime & Safety|5dGirl, 11, 'Critically Missing' In OC: Have You Seen Aubrie?Featured EventsAug 11, 2024 The Coast Vintage MarketAug 27, 2024 Parasite Cleansing with Rogershood Apothecary Wellness Event+ Add your eventFeatured Classifieds+ Add your classifiedLatest News NearbyLaguna Niguel-Dana Point, CA NewsCostco Cracks Down On Membership SharingAcross California, CA NewsCA Risked Millions In Homelessness Funds Due To Poor Anti-Fraud Protections: AuditSan Diego, CA News5 SoCal Restaurants Snag Michelin Guide StarsMountain View, CA NewsGoogle Illegally Maintains Monopoly Over Internet Search, Judge RulesOrange County, CA NewsPolice Bust Hideout In Former Marine Corps Hangar In South OCBest of Orange CountyOrange County | Restaurants & Bars3 Orange County Ice Cream Experiences Like No Other Find out what’s happening in yourcommunity on the Patch appCorporate InfoAbout PatchCareersPartnershipsAdvertise on PatchSupportFAQsContact PatchCommunity GuidelinesPosting InstructionsTerms of UsePrivacy Policy© 2024 Patch Media. 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Cat model issues, blue carbon and a vision for Bermuda's future | Insurance Insider US Insurance Insider Insurance Insider ILS Subscribe Log in Free Trial Cat model issues, blue carbon and a vision for Bermuda's future X LinkedIn Show more sharing options Copy Link URLCopied! 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Part of the Delinian Group. All rights reserved.Accessibility | Terms of Use | Privacy Policy | Modern Slavery StatementCookies Settings Cat model issues, blue carbon and a vision for Bermuda's future Marcel Le Gouais June 30, 2023 X LinkedIn Show more sharing options Copy Link URLCopied! Print X LinkedIn Among many takeaways from this week’s Bermuda Climate Summit, an overwhelming impression was that the Island is poised to become a global centre of excellence for climate risk solutions, product innovation and capital that can accelerate the wider economic transition to Net Zero. This was the USP, but many other climate issues were explored that will chime with the concerns of London market executives.These included a commonly held view that nat cat models need to be "more robust", an increased prospect of more major Atlantic hurricanes, the technical challenges of measuring insureds' emissions, and how product innovation needs to play out in practice.Hurricane risks, modelling requirementsIn one session that examined Atlantic hurricane frequency and severity, it was acknowledged that there is still no consensus on the impact of climate change on the frequency of these nat cat events.Delegates heard however that the insurance industry should generally be prepared for a higher proportion of future hurricanes to be at major hurricane strength and to feature more storm surge and precipitation, despite initial forecasts for 2023 to have a lower than 30-year average season of hurricanes. Dr Peter Sousounis, VP and director of climate change research at Verisk, said that while it’s unknown whether the impact of climate change is directly driving a higher frequency, there is more of a consensus that there will be more Category 3 and Category 4 hurricanes.While it was acknowledged that landfall incidents have increased in frequency in recent years, it was also noted that modelling firms can't be 100% convinced this has directly been caused by climate change.Nevertheless, Craig Tillman, president at RenaissanceRe Risk Sciences, pointed to a report showing how trends around Atlantic storms will exacerbate, with precipitation projected to incline by 14%, storm surge levels expected to increase as sea temperatures rise, and the maximum intensity of storms anticipated to rise by 5%.Liz Henderson, co-head of catastrophe analytics and executive managing director at Aon Reinsurance Solutions, pointed to another risk factor in the US, where around 40% of the population live in coastal areas, even though these regions represent less than "10% of the entire land area of the US". A significant criticism of the industry to date has been that we are not pushing our modelling tools to provide a more forward-looking view of the risk Liz Henderson, co-head of catastrophe analytics and executive managing director, Aon Reinsurance Solutions  Henderson also stressed the need for models to be more robust and forward-looking."A significant criticism of the industry to date has been that we are not pushing our modelling tools to provide a more forward-looking view of the risk," she said, adding that users "really need to trust our models."It is becoming more evident that we have to be more detailed and robust to bring more capital in and support reinsurers' needs," she said.Henderson made the point that the industry's expertise on modelling needs to be brought to organisations outside of insurance that would benefit from it. This observation was picked up in another session, where Caroline McGill, principal for sustainability and impact investment strategy at Hillbreak, the property consultancy, mentioned that real estate asset managers are looking to bring modelling expertise in-house, with an M&A transaction in this space under consideration. We have started the process for ensuring that Bermuda is a place for climate innovation Deputy premier of Bermuda, Walter Roban Innovation needsAs a centre hosting a nexus of underwriting experience, capital, conservation projects and growing scientific expertise, a robust case was made for Bermuda to become a world-leading hub of innovation that encompasses insurance products, carbon-reduction projects and nature-based solutions, with the latter referring particularly to utilising the oceans surrounding the Island.Explaining the government's own climate aims, deputy premier of Bermuda and minister of home affairs Walter Roban said the goal is to ensure that 85% of the Island's energy consumption will be generated by renewables.Roban told delegates: "We have started the process for ensuring that Bermuda is a place for climate innovation. We are corralling the knowledge and we can be at the centre of climate risk management opportunities. No other jurisdiction can do what we can do."The deputy premier explained that sandbox testing provided by the Bermuda Monetary Authority will play an important role in this wider strategy.This warmer, faster route to entry in Bermuda may highlight why UK regulatory reforms, lobbied for by the London Market Group and due to be enacted next week, need to be implemented rapidly. John Huff (L) and Ricardo Lara (R) Innovation was discussed in a global context too, with California's insurance commissioner Ricardo Lara revealing there are five parametric product pilots underway in the state, focussing on perils such as wildfire, extreme heat, coastal flooding and inland flooding.Incidentally, on the topic of US carriers such as Allstate and State Farm pausing the underwriting of homeowners and commercial cover in the state, Lara said this situation highlights the need for insurers to have an "open and honest" dialogue with regulators about pricing and the rate they need, and that residents also need to understand the premium they may have to pay for living in higher risk areas.Beyond products required for California, the immediate need for product innovation in the renewables sector was raised.Aon's Henderson said the growth of the renewable energy market will require a tenfold increase in capacity from current levels in the insurance industry to serve this market sufficiently."We will need innovation and products geared towards both nature-based solutions and renewables", she said, adding that it's difficult for investors to price new projects in these markets, a problem for which insurance can help provide a solution."The requirement for climate innovation in insurance is critical to ensure we have a seat at the table for the wider economic transition."In a session on industry collaboration on net zero and transitioning underwriting portfolios, Andrew MacFarlane, head of climate at Axa XL, said that as new climate-related technology is created, insurers will not have the years of loss data they normally require to decide on providing cover, and that insurers will need to consider how to adapt to requests to cover these new products.Blue carbon Another session that honed in on Bermuda's chance to be a global centre of climate excellence was on 'blue carbon'.The latter typically refers to ocean-based projects whereby marine biological processes are deployed to absorb carbon from the atmosphere, including for example using marine life to undergo photosynthesis at the ocean surface.Many of these are still in the testing phase, but once they're up and running and scaled, they could present a major opportunity for Bermudians in terms of covering the projects, but also through the insurance of purchasing carbon credits.At the conference, Conduit Re executive chairman Neil Eckert noted that Bermuda has "a monumental opportunity" in blue carbon, both as an insurance hub and as a catalyst for the trading of carbon credits.He explained that Bermuda is perfectly placed to take this role as it has a (re)insurance industry, a financial market and a well established regulatory framework.Eckert said the key to seizing this opportunity will be the ability to attract capital and robust validation of the methodologies involved in these projects, which will be required for carbon credit trading."You need capital to do some of that (validation) and the legal work. This is nascent, and we need the scientists to explain the data around this, then (as insurers) we can start to do our job."On the larger task required, he added: "We need to pull carbon out of the atmosphere on scale that has not even been imagined before." 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Average Cost of Car Insurance in Vermont for 2024 | FinanceBuzz DEMOCRATIZE FINANCIAL INDEPENDENCE Trending Stories 6 Genius Hacks Amazon Shoppers Must Know Is A Recession Coming? 8 Things To Do ASAP Trending Stories 6 Genius Hacks Amazon Shoppers Must Know Is A Recession Coming? 8 Things To Do ASAP Make Money Make Money Overview Best Of Best Side Hustles Best Weekend Side Jobs Best Side Hustles for Couples Best Game Apps Best Survey Sites Best Sites for Remote Work Reviews Solitaire Cash Review Bingo Clash Review Survey Junkie Review Shipt vs Instacart Guides Legit Ways to Make Money Earn Money Delivering Groceries Side Hustles for Introverts How to Resell Earn Money Watching Videos Low-Cost Franchise Opportunities How to Start a Blog Credit Cards Credit Cards Overview Best Of Best Credit Cards of 2024 Best Rewards Credit Cards Best Cashback Credit Cards Best Travel Credit Cards Best Business Credit Cards Best Balance Transfer Credit Cards Best 0% Intro APR Credit Cards Best Secured Credit Cards Reviews Wells Fargo Active Cash Review BankAmericard Review Citi Double Cash Review Chase Ink Cash Review Capital One Quicksilver Review Citi Premier Review Amex Blue Cash Everyday Review Chase Freedom Unlimited Review More Credit Card Reviews Guides Getting Your First Credit Card How Balance Transfers Work Best Credit Cards for Gas Best Credit Cards for Groceries Best Travel Cards for Beginners Credit Cards With TSA PreCheck Credit Cards Costco Accepts Cash Back vs Miles Investing Investing Overview Best Of Best Robo Advisors Best Online Brokers Best Investment Apps Reviews Stash Review Robinhood Review TD Ameritrade vs Robinhood M1 Finance Review Masterworks Review Wealthfront Review Guides How to Make Passive Income Real Estate Investing 101 How to Save for Retirement FIRE Movement Guide Can You Lose More Than You Invest? Micro Investing Guide What is Passive Income? Manage Money Manage Money Overview Best Of Best Budgeting Apps Best Money-Saving Apps Best Tax Software Reviews Rocket Money Review Rocket Money vs Mint Capital One Shopping Review Capital One Shopping vs Honey Guides Budgeting 101 What's a Good Credit Score? How to Manage Your Money How to File Taxes Earn Cash Back at Walmart Earn Cash Back at Target How to Save Money Banking Banking Overview Best Of Best Banks Best Savings Accounts Best Certificates of Deposit (CDs) Best Checking Accounts Best Paycheck Advance Apps Reviews Amex Savings Review Chime Review Raisin Review Sofi Bank Review Chase Bank vs Bank of America Guides What is a High-Yield Savings Account? 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New Home Buying Guide Debt Help Debt Help Overview Best Of Best Credit Repair Companies Best Credit Counseling Companies Best Debt Consolidation Companies Reviews National Debt Relief Review Freedom Debt Relief Review National Debt Relief vs Freedom Debt Relief LoansUnder36 Review Guides Government Debt Relief Programs Credit Card Debt Consolidation Debt Settlement Guide What is Debt Consolidation? How to Refinance Credit Card Debt Credit Repair 101 Bankruptcy Guide Trending Stories Make Money 15 Legit Ways to Make Extra Cash Insurance 6 Smart Strategies to Save Money on Car Insurance INSURANCE - CAR INSURANCE Average Cost of Car Insurance in Vermont for 2024 By Kat Tretina Edited by Mindy Woodall Updated Feb. 21, 2024 Fact checked This article was subjected to a comprehensive fact-checking process. Our professional fact-checkers verify article information against primary sources, reputable publishers, and experts in the field. USAA is generally the cheapest car insurance in Vermont for both full coverage and minimum liability policies. Compare car insurance rates in your area! See if you qualify for a lower rate in less than 2 minutes By clicking the button below I understand and agree that this site uses site visit recording technology (provided by Trusted Form, Jornaya, and Microsoft Clarity) Privacy Policy Check Rates FAST, EASY & FREE We receive compensation from the products and services mentioned in this story, but the opinions are the author's own. Compensation may impact where offers appear. We have not included all available products or offers. Learn more about how we make money and our editorial policies. From its ski slopes to its hiking trails, Vermont is a paradise for outdoor enthusiasts. But what about car owners? Although the Green Mountain State has a higher cost of living than most states, auto coverage here is relatively affordable. The average cost of car insurance in Vermont is $1,274 per year for full coverage policies — compared to the national average of $1,582. Your premiums in Vermont may vary based on your driving record, location, and credit history. But you may also be eligible for valuable discounts that could reduce your rates. In this article Key takeaways How much does car insurance cost in Vermont? Average cost of car insurance in Vermont by provider How does credit score affect car insurance rates in Vermont? Average car insurance rates for high-risk drivers in Vermont How does age affect car insurance rates in Vermont? Vermont car insurance rates by city VT’s minimum car insurance requirements How to save money on car insurance in Vermont Methodology FAQs about car insurance costs in VT Key takeaways The average cost of car insurance in Vermont is $1,274 per year for full-coverage policies. State-minimum liability car insurance averages $348 per year in Vermont. Teen drivers pay an average of $3,651 per year for coverage in Vermont. How much does car insurance cost in Vermont? While Vermont is a popular tourist destination, its resident population density is relatively low. As a result, fewer cars are on the state’s roads here. In fact, the U.S. Department of Transportation reported that there are just 608,000 registered vehicles in Vermont — far less than the national average. With fewer cars in the state, there’s less chance of being involved in an accident, so car insurance tends to be relatively cheap. The average cost of full-coverage policies, which include liability, collision, and comprehensive insurance, is just $1,274 per year, while the national average is $1,582. And drivers that choose Vermont’s state-minimum liability policies pay an average of just $348 per year. Avg. cost for full coverage Avg. cost for minimum coverage Cheapest insurance provider $1,274/year $348/year USAA Avg. cost for young drivers Avg. cost for seniors Avg. cost for high-risk drivers $3,651/year $1,149/year $1,675/year Average cost of car insurance in Vermont by provider Several insurers underwrite policies in Vermont, including smaller insurance companies like Concord. Rates can vary significantly by company, so getting quotes from several insurers before purchasing coverage is wise. We found that USAA has the cheapest average premiums for both full coverage and state-minimum liability policies. At $779 per year, the average insurance premiums for USAA’s full-coverage policies are significantly less than the state average of $1,274. Provider Full coverage Minimum liability coverage Concord $984/year $444/year Nationwide $1,137/year $456/year Allstate $1,815/year $439/year Progressive $1,373/year $420/year GEICO $1,007/year $297/year State Farm $840/year $297/year USAA $779/year $205/year Get rates, offers & more from top rated insurance providers! By clicking the button below I understand and agree that this site uses site visit recording technology (provided by Trusted Form, Jornaya, and Microsoft Clarity) Privacy Policy Check Rates How does credit score affect car insurance rates in Vermont? People in Vermont tend to have good credit. According to Experian, one of the three major credit bureaus, the average credit score in Vermont was 736 in 2022 — 22 points higher than the national average. Good credit can help you save money in Vermont. Insurers consider your credit when setting premiums, so a higher credit score can help you secure a lower rate. We found that those with excellent credit tend to pay significantly less for coverage than those with poor credit. Credit health Avg. annual premium Poor (550-649) $1,806/year Average (650-699) $1,764/year Good (700-749) $1,716/year Excellent (750+) $1,464/year Average car insurance rates for high-risk drivers in Vermont Maintaining safe driving habits and driving conservatively can keep you safe (and help you maintain low car insurance premiums). But if you commit driving violations, those offenses can substantially impact your premiums in Vermont. We found that yearly premiums increase by an average of $743 after a driving under the influence (DUI) conviction and $357 after one at-fault accident in Vermont. Violation Avg. annual premium before violation* Avg. annual premium after violation Avg. cost increase At-fault accident $1,274/year $1,631/year $357 DUI $1,274/year $2,017/year $743 Speeding ticket $1,274/year $1,365/year $91 *Assumes clean driving record with good credit How does age affect car insurance rates in Vermont? Vermont has a higher percentage of older adults than other states. The Vermont Department of Health reported that the state’s median age is 43, while the national median is just 38. But as in other states, older residents pay less for car insurance. Vermont drivers in their 60s have the lowest premiums, averaging just $1,007 per year — less than the state average. On the other end, teens pay the highest average premiums. The average premium for drivers 18 years of age is $3,894 — more than three times the state average. Age Avg. annual premium 18 $3,894/year 25 $1,407/year 30 $1,213/year 40 $1,168/year 60 $1,007/year Vermont car insurance rates by city Drivers living in areas with higher population densities and crime rates pay more for car insurance. In Vermont, drivers in Winooski have the highest average premiums, paying $1,286 per year. The higher rate is due to the higher crime rate in the city compared to the rest of the state. According to NeighborhoodScout, Winooski has a crime rating higher than 96% of Vermont cities and towns. City Avg. annual full-coverage premium Winooski $1,286/year Burlington $1,284/year South Burlington$1,267/year Rutland $1,235/year Barre $1,210/year Newport $1,162/year VT’s minimum car insurance requirements Vermont’s laws require all drivers to have car insurance and carry proof of coverage. Policies must meet the following coverage minimums: $25,000 in bodily injury protection for one person $50,000 in bodily injury protection for two or more people $10,000 in property damage insurance Drivers in Vermont also must have uninsured motorist protection that meets the following requirements: $25,000 in bodily injury protection for one person $50,000 in bodily injury insurance per accident $10,000 in property damage Those coverage requirements are fairly low, and state-minimum coverage doesn’t provide any coverage for your own vehicle or property. Since Vermont has some intense weather and averages over 80” of snow per year, fender benders involving ice and slippery roads are common. You may also want to consider a full-coverage policy that includes collision and comprehensive insurance. How to save money on car insurance in Vermont Car insurance in Vermont is relatively inexpensive, but you could reduce your premiums even more by following these tips: Contact your agent if there have been any changes: If it’s been a while since you purchased your car insurance, review your coverage and contact your agent if your life circumstances have changed. For example, if you got a job closer to home, a child moved out, or you installed an anti-theft device in your car, you may be eligible for a reduction in premiums. Ask about discounts: You may be eligible for discounts you aren’t aware of, so ask your agent about available programs. Common discounts in Vermont include safe driver, low mileage, good student, and paperless billing discounts. Enroll in pay-per-mile insurance: Pay-per-mile insurance, also known as usage-based insurance, can be a good idea for drivers with short commutes or those who drive fewer miles per month. Since these policies base your premiums on how many miles you actually drive and your driving habits, you could save money compared to conventional policies. In Vermont, pay-per-mile insurance is available from multiple insurers, including Nationwide, Progressive, and State Farm. Shop around: When it comes to car insurance, loyalty rarely pays off. It’s wise to shop around and get quotes from several companies to find the best car insurance rates. You may find that you can save hundreds of dollars by switching insurers. Methodology Our analysis was conducted using six different auto insurance marketplaces to determine the average cost of auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different. FAQs about car insurance costs in VT Is car insurance expensive in VT? Car insurance is less expensive in Vermont than it is in other states. Full-coverage policies average $1,274 per year, while the national average is $1,582. How much is car insurance per year in VT? The average annual cost of car insurance in Vermont is $1,274 per year for full coverage policies, and $348 per year for state-minimum liability policies. 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Lacoste expands digital rewards for NFT card holders - National Retail FederationdealtownNational Retail FederationLacoste expands digital rewards for NFT card holdersNational Retail Federation sent this email to their subscribers on June 30, 2023. Lacoste expands digital rewards for NFT card holders | How artificial intelligence will change retail | Shopify tool matches creators, merchants Created for [email protected] |  Web Version June 29, 2023 CONNECT WITH NRF      News to inspire tomorrow's retailSIGN UP ⋅   SHARE Top Story Lacoste expands digital rewards for NFT card holders (NurPhoto/Getty Images) Lacoste has elevated its Web3 loyalty program, based on a dynamic nonfungible token, with a card that collects rewards when users embark on mixed-reality quests, interactive games and creative contests. The presence of the year-old UNDW3 (pronounced "underwater") on the fashion brand's main website and social channels demonstrates Lacoste's commitment to Web3, editor Stephanie Hirschmiller writes. Full Story: Forbes (tiered subscription model) (6/29)      NRF spotlight How artificial intelligence will change retail Artificial intelligence is rapidly evolving and with it comes the reshaping of retail. Companies including Levi Strauss & Co. and Tropical Smoothie Cafe are planning and using AI to improve business operation efficiency along with price, forecast and marketing optimization. Learn more about the up-and-coming uses of AI in retail and NRF's AI Working Group.     LEARN MORE ABOUT NRF: Join NRF | Advocacy | Insights and Trends Events | Resources | NRF Foundation Company watch Shopify tool matches creators, merchants Shopify's Collabs Network pairs merchants and content creators looking for partners. The free application gives merchants access to a database of creators, who in turn can search for products and find suitable brands and retailers. Full Story: Women's Wear Daily (6/28)      How gaming efforts are paying dividends for State Farm Through gaming-related efforts, State Farm differentiates itself from competitors and expands its reach, including sponsorships of esports athletes and gaming events and its Gamerhood Challenge Show on Twitch, which garnered over 10 million views and 50,000 participants. Alyson Griffin, State Farm vice president of marketing, says, "We think we've cracked the code on not being too out of bounds, but attracting people in ways that are still authentic to who we are." Full Story: Adweek (6/27)      Customer engagement Advice for improving your online outreach Growing e-commerce sales relies on getting to know your customers via social listening, clickstream data and other sources and translating that data into actionable insights, writes Laura Batien, senior product manager for consumer insights, NielsenIQ. Test new ideas in a controlled environment such as a simulated site to avoid the many complications associated with a live launch, writes Batien. Full Story: Candy & Snack Today (6/27)      LinkedIn trial may open path to creator monetization LinkedIn is testing a collaborative campaign feature for Creator Mode users and brands that allows them to share analytics. Andrew Hutchinson suggests the feature "would see LinkedIn moving into line with the creator monetization approaches of other apps, providing a new pathway to targeted promotion for brands, and a new way for LinkedIn influencers to actually generate direct revenue from their presence." Full Story: Social Media Today (6/28)      TikTok offers new protections for teen users (TikTok for Business) US TikTok users ages 13 to 15 will no longer see ads on the app based on off-platform activity and ads in the European Economic Area, UK and Switzerland will no longer be based on either on- or off-platform activity for 13- to 17-year-olds. All users will be able to use a "Clear my activity" tool to remove details provided to the app by ad partners, and transparency labels will be added to content from brand partnerships. Full Story: Social Media Today (6/28)      Trending How machine learning, human experts excise counterfeits StockX, The Real Real, eBay and other resellers have implemented machine learning to ferret out fakes, an increasingly important task in the growing secondhand market. The tools work alongside humans who have to be expert authenticators to properly program the algorithms, one executive notes. Full Story: Modern Retail (tiered subscription model) (6/27)      NRF JOB BOARD   Tax Analyst BRILLIANT EARTH     Design Consultant QURATE RETAIL GROUP - Ballard, West Virginia, United States   Senior Internal Auditor BURLINGTON STORES - Burlington, New Jersey, United States   Sr. Compliance Associate - Remote NORDSTROM - Seattle, Washington, United States   Treasury Analyst RALPH LAUREN - Amsterdam, North Holland, Netherlands   Digital Experience Manager MEIJER - Battle Creek, Michigan, United States   Sr. Manager FP&A, Marketing Finance (Target Circle) TARGET - Minneapolis, Minnesota, United States   engineer senior, java development STARBUCKS COFFEE COMPANY - Seattle, Washington, United States   Administrative DBA (Database Administration) CRATE & BARREL - Northbrook, Illinois, United States View More Listings | Post a Job It's about supplication and sacrifice and humility, when you go to these mountains. Julian Sands, actor 1958-2023     SmartBrief publishes more than 200 free industry newsletters - Browse our portfolio Sign Up  |      |    Advertise with SmartBrief   |    CONTACT US: FEEDBACK  |    ADVERTISE SmartBrief, a division of Future US LLC ©Full 7th Floor, 130 West 42nd Street, New York, NY, 10036 Text-only version of this emailLacoste expands digital rewards for NFT card holders | How artificial intelligence will change retail | Shopify tool matches creators, merchants Created for [email protected] |  Web Version June 29, 2023 CONNECT WITH NRF   LinkedIn Facebook Twitter NRF SmartBrief WHAT'S NEXT NRE nnnnnnnnnnnnnnnnnnnn News to inspire tomorrow's retailSIGN UP ⋅   SHARE Top Story Lacoste expands digital rewards for NFT card holders Lacoste expands digital rewards for NFT card holders (NurPhoto/Getty Images) Lacoste has elevated its Web3 loyalty program, based on a dynamic nonfungible token, with a card that collects rewards when users embark on mixed-reality quests, interactive games and creative contests. The presence of the year-old UNDW3 (pronounced "underwater") on the fashion brand's main website and social channels demonstrates Lacoste's commitment to Web3, editor Stephanie Hirschmiller writes. Full Story: Forbes (tiered subscription model) (6/29)  LinkedIn Twitter Facebook Email NRF spotlight How artificial intelligence will change retail Artificial intelligence is rapidly evolving and with it comes the reshaping of retail. Companies including Levi Strauss & Co. and Tropical Smoothie Cafe are planning and using AI to improve business operation efficiency along with price, forecast and marketing optimization. Learn more about the up-and-coming uses of AI in retail and NRF's AI Working Group. LinkedIn Twitter Facebook Email LEARN MORE ABOUT NRF: Join NRF | Advocacy | Insights and Trends Events | Resources | NRF Foundation Company watch Shopify tool matches creators, merchants Shopify's Collabs Network pairs merchants and content creators looking for partners. The free application gives merchants access to a database of creators, who in turn can search for products and find suitable brands and retailers. Full Story: Women's Wear Daily (6/28)  LinkedIn Twitter Facebook Email How gaming efforts are paying dividends for State Farm Through gaming-related efforts, State Farm differentiates itself from competitors and expands its reach, including sponsorships of esports athletes and gaming events and its Gamerhood Challenge Show on Twitch, which garnered over 10 million views and 50,000 participants. Alyson Griffin, State Farm vice president of marketing, says, "We think we've cracked the code on not being too out of bounds, but attracting people in ways that are still authentic to who we are." Full Story: Adweek (6/27)  LinkedIn Twitter Facebook Email Customer engagement Advice for improving your online outreach Growing e-commerce sales relies on getting to know your customers via social listening, clickstream data and other sources and translating that data into actionable insights, writes Laura Batien, senior product manager for consumer insights, NielsenIQ. Test new ideas in a controlled environment such as a simulated site to avoid the many complications associated with a live launch, writes Batien. Full Story: Candy & Snack Today (6/27)  LinkedIn Twitter Facebook Email LinkedIn trial may open path to creator monetization LinkedIn is testing a collaborative campaign feature for Creator Mode users and brands that allows them to share analytics. Andrew Hutchinson suggests the feature "would see LinkedIn moving into line with the creator monetization approaches of other apps, providing a new pathway to targeted promotion for brands, and a new way for LinkedIn influencers to actually generate direct revenue from their presence." Full Story: Social Media Today (6/28)  LinkedIn Twitter Facebook Email TikTok offers new protections for teen users TikTok offers new protections for teen users (TikTok for Business) US TikTok users ages 13 to 15 will no longer see ads on the app based on off-platform activity and ads in the European Economic Area, UK and Switzerland will no longer be based on either on- or off-platform activity for 13- to 17-year-olds. All users will be able to use a "Clear my activity" tool to remove details provided to the app by ad partners, and transparency labels will be added to content from brand partnerships. Full Story: Social Media Today (6/28)  LinkedIn Twitter Facebook Email Trending How machine learning, human experts excise counterfeits StockX, The Real Real, eBay and other resellers have implemented machine learning to ferret out fakes, an increasingly important task in the growing secondhand market. The tools work alongside humans who have to be expert authenticators to properly program the algorithms, one executive notes. Full Story: Modern Retail (tiered subscription model) (6/27)  LinkedIn Twitter Facebook Email NRF JOB BOARD   Tax Analyst BRILLIANT EARTH     Design Consultant QURATE RETAIL GROUP - Ballard, West Virginia, United States   Senior Internal Auditor BURLINGTON STORES - Burlington, New Jersey, United States   Sr. Compliance Associate - Remote NORDSTROM - Seattle, Washington, United States   Treasury Analyst RALPH LAUREN - Amsterdam, North Holland, Netherlands   Digital Experience Manager MEIJER - Battle Creek, Michigan, United States   Sr. Manager FP&A, Marketing Finance (Target Circle) TARGET - Minneapolis, Minnesota, United States   engineer senior, java development STARBUCKS COFFEE COMPANY - Seattle, Washington, United States   Administrative DBA (Database Administration) CRATE & BARREL - Northbrook, Illinois, United States View More Listings | Post a Job It's about supplication and sacrifice and humility, when you go to these mountains. Julian Sands, actor 1958-2023 LinkedIn Twitter Facebook Email SmartBrief publishes more than 200 free industry newsletters - Browse our portfolio Sign Up  |      |    Advertise with SmartBrief   |    CONTACT US: FEEDBACK  |    ADVERTISE Smart SmartBrief, a division of Future US LLC © Full 7th Floor, 130 West 42nd Street, New York, NY, 10036Show allThe Latest Emails Sent By National Retail Federation7-hour Amazon Prime delivery expanding into CanadaAmerican Eagle funds $1M in associate scholarshipsDomino's to deliver 70 new UK, Ireland restaurantsVon Dutch resurges with Y2K trend, viral song boostAmazon shifts Black Friday inventory deadlineSainsbury's to deploy AI-driven checkout techMore Emails, Deals & Coupons From National Retail FederationRalph Lauren boot began in Fortnite; next stop real lifeLast week's top retail storiesBed Bath & Beyond is reborn as a digital retailerClothing brands embrace virtual sizing[Survey] Will AI change POS testing?What is driving c-store success in 2023?Target plans to perk up curbside service with StarbucksParis-based Printemps to open a New York City storeDrive Engagement with Performance MarketingAnthropologie falls for actor Phoebe TonkinPret A Manger grows presence in IrelandChow Tai Fook opens first jewellery store in CanadaEmail Offers, Discounts & Promos From Our Top StoressplashStarting in 1 Hour: New in Splashroos beachSUMMER SALE | BEST BITSclean causeTIME IS RUNNING OUT ⌛️bdo usaGet the advantages of ChatGPT without the riskomaha steaksDon’t miss 12 gourmet grillables and FREE shipping.city of santa barbaraCitywide Media Releases News & Informationstater bros. markets🇺🇸 Tasty Treats for Your 4th of July Festivities!art toolkitMark Your Calendar for These 3 Exciting Events!the grommet🤩 The 7 Best Health & Beauty Products of the MonthfoodhakA letter from Sakshi Chhabra MittalmoderncoinmartNew Releases Alert: Did you miss these new arrivals?sharisFreedom to choose...dealtownDeal Town is an archive of the best email newsletters. 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State Farm is closing its doors to millions of new customers exposed to ‘rapidly growing’ catastrophes — here’s who’s affected News Today's news US Politics World Tech Reviews and deals Audio Computing Gaming Health Home Phones Science TVs Climate change Health Science 2024 election Originals The 360 Newsletters Life Health COVID-19 Fall allergies Health news Mental health Relax Sexual health Studies The Unwind Parenting Family health So mini ways Style and beauty It Figures Unapologetically Horoscopes Shopping Buying guides Food Travel Autos Gift ideas Buying guides Entertainment Celebrity TV Movies Music How to Watch Interviews Videos Shopping Finance My portfolio My watchlist News Stock market Economics Earnings Crypto Politics Biden economy Personal finance Markets Stocks: most active Stocks: gainers Stocks: losers Trending tickers Futures World indices US Treasury bonds Currencies Crypto Top ETFs Top mutual funds Highest open interest Highest implied volatility Currency converter Sectors Basic materials Communication services Consumer cyclical Consumer defensive Energy Financial services Healthcare Industrials Real estate Technology Utilities Screeners Watchlists Equities ETFs Futures Index Mutual funds Analyst rating screener Technical events screener Smart money screener Top holdings screener Personal finance Credit cards Balance transfer cards Cash back cards Rewards cards Travel cards Banking CD rates Online checking High-yield savings Money market Mortgage Home equity loan HELOC Personal loans Student loans Insurance Taxes Videos ETF report FA corner Options pit Crypto Industries Sports Fantasy News Fantasy football Best Ball Pro Pick 'Em College Pick 'Em Fantasy baseball Fantasy hockey Fantasy basketball Download the app Daily fantasy NFL News Scores and schedules Standings Stats Teams Players Drafts Injuries Odds Super Bowl GameChannel Videos MLB News Scores and schedules Standings Stats Teams Players Odds Videos World Baseball Classic NBA News Draft Scores and schedules Standings Stats Teams Players Injuries Videos Odds Playoffs NHL News Scores and schedules Standings Stats Teams Players Odds Playoffs Soccer News Scores and schedules Premier League MLS NWSL Liga MX CONCACAF League Champions League La Liga Serie A Bundesliga Ligue 1 World Cup College football News Scores and schedules Standings Rankings Stats Teams Show all MMA WNBA Sportsbook NCAAF Tennis Golf NASCAR NCAAB NCAAW Boxing USFL Cycling Motorsports Olympics Horse racing GameChannel Rivals Newsletters Podcasts Videos RSS Jobs Help World Cup More news New on Yahoo Games Tech Terms Privacy Privacy Dashboard Feedback © 2024 All rights reserved. About our ads Advertising Careers Yahoo News Search query Select edition USEnglish US y LATAMEspañol AustraliaEnglish CanadaEnglish CanadaFrançais DeutschlandDeutsch FranceFrançais 香港繁中 MalaysiaEnglish New ZealandEnglish SingaporeEnglish 台灣繁中 UKEnglish News Finance Sports More News Today's news US Politics World Weather Climate change Health Science 2024 election Originals Newsletters Life Health Parenting Style and beauty Horoscopes Shopping Food Travel Autos Gift ideas Buying guides Entertainment Celebrity TV Movies Music How to watch Interviews Videos Shopping Finance My portfolio Watchlists Markets News Videos Screeners Personal finance Crypto Industries Sports Fantasy NFL NBA MLB NHL College football College basketball Soccer MMA Yahoo Sports AM New on Yahoo Games Tech Selected edition USEnglish Mail Sign in AdvertisementClose this contentRead full articleThe Cool DownState Farm is closing its doors to millions of new customers exposed to ‘rapidly growing’ catastrophes — here’s who’s affectedLaurelle StelleNovember 29, 2023 at 8:30 PM·2 min read1.8kLink CopiedThe EPA reports that wildfires are getting worse as the planet gets warmer. In response to this and other factors, major insurer State Farm has announced that it will no longer offer homeowner’s insurance to new applicants in fire-prone California.What’s happening?According to the EPA, the area burned by wildfires each year has been increasing since the 1980s. The 10 most destructive years on record have happened in the past 20 years, causing more damage thanks to the plentiful dry plants left behind by drought.While the effects are felt across the U.S., California is famous for its yearly wildfires and the resulting smoke. This year has been particularly hard for the state due to a devastating combination of storms, floods, drought, and fire.As Axios reports, this became too much risk for State Farm. The company cited “historic increases in construction costs outpacing inflation” and “rapidly growing catastrophe exposure” in its decision to close applications across California in May.Why does it matter?For homeowners in California, it will now be harder to find affordable coverage for their property. Without it, residents run the risk of losing everything in a fire. Owners that already have coverage are still protected, but State Farm won’t accept any new applications in California, it says.But the problem extends beyond California. Disasters of all kinds have become more common and more destructive as rising temperatures across the world have caused the weather to become less stable.If insurers find it too risky to cover areas affected by these disasters, then more and more regions could find themselves without coverage. Louisiana and Florida are already losing coverage thanks to predictions of an active hurricane season, Axios reports. Ironically, State Farm has announced its intent to remain in Florida despite large competitors like Farmers and AAA pulling out.What’s being done?Michael Soller, the California deputy insurance commissioner, told Axios in an email that the California Department of Insurance is dedicated to protecting consumers in the long run.“We have been here before after major wildfires,” he said. “What’s different is the actions that we are taking with the first-ever insurance discount program for wildfire safety and unprecedented wildfire mitigation investments from the Legislature and Governor.”In other words, the CDI is working with the state government to lower insurance costs and reduce the risk of wildfires so that insurers can be secure operating in the area once again.Join our free newsletter for cool news and actionable info that makes it easy to help yourself while helping the planet. 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Both found interesting trends in rounds 2-4 and identified a steep cliff for one position after the sixth round.Yahoo Life Shopping'Best travel purse ever': Outsmart pickpockets with this anti-theft bag, down to $33At nearly 60% off, this RFID-blocking tote sports cut-resistant sides and a wire embedded in the strap to ward against slash-and-go theft.Yahoo Entertainment2024 Paris Olympics memes: The best moments from the Games worthy of internet obsessionIf mining the 2024 Summer Olympics for memes was a competitive sport, these viral moments would win gold.Yahoo FinanceStock market news today: Stocks soar, Nvidia surges 12%, as Fed, Powell pave way for September rate cutA tech revival helped lift stocks, as investors digest the Federal Reserve's decision to hold interest rates steady.Yahoo SportsParis Olympics: Sophia Smith, Alyssa Naeher send USWNT into gold-medal finalSmith's goal in the 95th minute means the U.S. will play either Spain or Brazil for gold.Yahoo SportsFantasy Baseball Trade Analyzer: Target these category specialists ahead of Yahoo's default deadlineWith Yahoo's default trade deadline looming, fantasy baseball analyst Fred Zinkie offers up some final deal suggestions.Yahoo SportsParis 2024: 16-year-old phenom Quincy Wilson will make his Olympic debut Friday, coach saysWilson is the youngest male ever to make the U.S. Olympic track & field team.More StoriesYahoo!USPolitics2024 ElectionStorm Debby LatestWorldHealthScienceOriginalsThe 360Weather GuideContact UsTerms and Privacy PolicyPrivacy DashboardHelpShare your feedbackAbout UsAbout Our AdsSite mapFollow us ontwitterfacebookinstagramDownload our app© 2024 Yahoo. 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About our ads Advertising Careers Yahoo News Search query Select edition USEnglish US y LATAMEspañol AustraliaEnglish CanadaEnglish CanadaFrançais DeutschlandDeutsch FranceFrançais 香港繁中 MalaysiaEnglish New ZealandEnglish SingaporeEnglish 台灣繁中 UKEnglish News Finance Sports More News Today's news US Politics World Weather Climate change Health Science 2024 election Originals Newsletters Life Health Parenting Style and beauty Horoscopes Shopping Food Travel Autos Gift ideas Buying guides Entertainment Celebrity TV Movies Music How to watch Interviews Videos Shopping Finance My portfolio Watchlists Markets News Videos Screeners Personal finance Crypto Industries Sports Fantasy NFL NBA MLB NHL College football College basketball Soccer MMA Yahoo Sports AM New on Yahoo Games Tech Selected edition USEnglish Mail Sign in AdvertisementClose this contentRead full articleThe Cool DownState Farm is closing its doors to millions of new customers exposed to ‘rapidly growing’ catastrophes — here’s who’s affectedLaurelle StelleNovember 29, 2023 at 8:30 PM·2 min read1.8kLink CopiedThe EPA reports that wildfires are getting worse as the planet gets warmer. In response to this and other factors, major insurer State Farm has announced that it will no longer offer homeowner’s insurance to new applicants in fire-prone California.What’s happening?According to the EPA, the area burned by wildfires each year has been increasing since the 1980s. The 10 most destructive years on record have happened in the past 20 years, causing more damage thanks to the plentiful dry plants left behind by drought.While the effects are felt across the U.S., California is famous for its yearly wildfires and the resulting smoke. This year has been particularly hard for the state due to a devastating combination of storms, floods, drought, and fire.As Axios reports, this became too much risk for State Farm. The company cited “historic increases in construction costs outpacing inflation” and “rapidly growing catastrophe exposure” in its decision to close applications across California in May.Why does it matter?For homeowners in California, it will now be harder to find affordable coverage for their property. Without it, residents run the risk of losing everything in a fire. Owners that already have coverage are still protected, but State Farm won’t accept any new applications in California, it says.But the problem extends beyond California. Disasters of all kinds have become more common and more destructive as rising temperatures across the world have caused the weather to become less stable.If insurers find it too risky to cover areas affected by these disasters, then more and more regions could find themselves without coverage. Louisiana and Florida are already losing coverage thanks to predictions of an active hurricane season, Axios reports. Ironically, State Farm has announced its intent to remain in Florida despite large competitors like Farmers and AAA pulling out.What’s being done?Michael Soller, the California deputy insurance commissioner, told Axios in an email that the California Department of Insurance is dedicated to protecting consumers in the long run.“We have been here before after major wildfires,” he said. “What’s different is the actions that we are taking with the first-ever insurance discount program for wildfire safety and unprecedented wildfire mitigation investments from the Legislature and Governor.”In other words, the CDI is working with the state government to lower insurance costs and reduce the risk of wildfires so that insurers can be secure operating in the area once again.Join our free newsletter for cool news and actionable info that makes it easy to help yourself while helping the planet. 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Dalton Del Don joins Matt Harmon to identify the biggest observations for the draft. Both found interesting trends in rounds 2-4 and identified a steep cliff for one position after the sixth round.Yahoo Life Shopping'Best travel purse ever': Outsmart pickpockets with this anti-theft bag, down to $33At nearly 60% off, this RFID-blocking tote sports cut-resistant sides and a wire embedded in the strap to ward against slash-and-go theft.Yahoo Entertainment2024 Paris Olympics memes: The best moments from the Games worthy of internet obsessionIf mining the 2024 Summer Olympics for memes was a competitive sport, these viral moments would win gold.Yahoo FinanceStock market news today: Stocks soar, Nvidia surges 12%, as Fed, Powell pave way for September rate cutA tech revival helped lift stocks, as investors digest the Federal Reserve's decision to hold interest rates steady.Yahoo SportsParis Olympics: Sophia Smith, Alyssa Naeher send USWNT into gold-medal finalSmith's goal in the 95th minute means the U.S. will play either Spain or Brazil for gold.Yahoo SportsFantasy Baseball Trade Analyzer: Target these category specialists ahead of Yahoo's default deadlineWith Yahoo's default trade deadline looming, fantasy baseball analyst Fred Zinkie offers up some final deal suggestions.Yahoo SportsParis Olympics: Netherlands stuns U.S. in 4x400 mixed relayThe U.S. lost the lead on the final leg to take silver.More StoriesYahoo!USPolitics2024 ElectionStorm Debby LatestWorldHealthScienceOriginalsThe 360Weather GuideContact UsTerms and Privacy PolicyPrivacy DashboardHelpShare your feedbackAbout UsAbout Our AdsSite mapFollow us ontwitterfacebookinstagramDownload our app© 2024 Yahoo. 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Net Zero ambitions crumble in the face of US law threats Insurance Insider Insurance Insider US Insurance Insider ILS Insider Engage Contact Us Newsletter Sign Up Net Zero ambitions crumble in the face of US law threats X LinkedIn Email Show more sharing options Copy Link URLCopied! Print X LinkedIn Email The Inside Track ESG Insurtech Climate Change Cyber Risk Diversity & Inclusion ESG Insurtech Climate Change Cyber Risk Diversity & Inclusion Leadership Strategy CEO Perspectives with Meg Green Strategy CEO Perspectives with Meg Green Insider On Air Operations Legal Insurance Asset Management Broking Legal Insurance Asset Management Broking Culture Insider Progress Insider Progress Events Regions Latam & Caribbean Hub Latam & Caribbean Hub Show Search Submit Search Search Query Menu Submit Search Search Query The Inside Track ESG Insurtech Climate Change Cyber Risk Diversity & Inclusion ESG Insurtech Climate Change Cyber Risk Diversity & Inclusion Leadership Strategy CEO Perspectives with Meg Green Strategy CEO Perspectives with Meg Green Insider On Air Operations Legal Insurance Asset Management Broking Legal Insurance Asset Management Broking Culture Insider Progress Insider Progress Events Regions Latam & Caribbean Hub Latam & Caribbean Hub Contact Us Newsletter Sign Up Insider Engage, is part of the Delinian Group, Delinian Limited, 4 Bouverie Street, London, EC4Y 8AX, Registered in England & Wales, Company number 00954730Copyright © Delinian Limited and its affiliated companies 2024Accessibility | Terms of Use | Privacy Policy | Modern Slavery StatementCookies Settings The Inside Track ESG Net Zero ambitions crumble in the face of US law threats David Worsfold 30 June 2023 X LinkedIn Email Show more sharing options Copy Link URLCopied! Print X LinkedIn Email Insurance industry ambitions to forge a global alliance to ensure it makes an effective contribution to the drive to achieve Net Zero carbon emissions have crumbled in the face of threats from US lawmakers. The much-heralded Net Zero Insurance Alliance is now almost dead as a major insurers, reinsurers and Lloyd’s rushed for the exit door when 23 US state attorneys general rattled their collective sabres by threatening to take action against the members of the Alliance under US competition law. The reasons cited by the Republican lawmakers contain many of the objections to tackling the impacts of climate change bandied about by American climate change sceptics and which have contributed to the growing momentum of the anti-ESG movement in the States.The exodus contains some of the biggest names in global insurance, and some of those making the most noise about tackling climate change and reaching ambitious net zero targets: Swiss Re, Munich Re, Allianz, Scor, Mapfre, QBE, Sompo, Zurich, Axa and Lloyd’s. Out of the impressive cast of major European insurers that set up the Alliance only Aviva and Generali are left, neither of which of significant business in the US. Lloyd’s exit in early June was a rapid volte face as chairman John Neal went on record in mid-May as saying Lloyd’s had no plans to leave, although he appealed to the Alliance to make its rules less prescriptive to avoid criticism from some US states.The letter sent to members of the Allianz by the attorneys general accuses insurers of advancing an “activist climate agenda” and that pressure on fossil fuel interests was contributing to inflation: “The push to force insurance companies and their clients to rapidly reduce their emissions has led not only to increased insurance costs, but also to high gas prices and higher costs for products and services across the board, resulting in record-breaking inflation and financial hardships for the residents of our states.” ...we must wonder whether their ditching of the Alliance has more to do with the fear of losing business in the US than real legal jeopardy. Patrick McCully Senior analyst, Reclaim Finance Few of the departing insurers have said why they fled at the first sign of trouble, although most have re-stated generalised commitments to sustainability. Lloyd’s said it was still “committed to delivering our sustainability strategy, including supporting the global economy’s transition”.The Alliance is part of the initiative launched by former Governor of the Bank of England Mark Carney at COP26, called the Glasgow Financial Alliance for Net Zero (GFANZ).GFANZ was quick to condemn the pressure on insurers as politically motivated. In a statement after the most recent exodus it said: “We want to acknowledge the political attacks interfering with insurers’ independent efforts to price climate risk, which will harm policyholders, investors and economies.”Insure Our Future, which has been at the forefront of the campaign to move the insurance industry away from underwriting and investing in fossil fuels was also clear that it believed the attacks were political:“The anti-trust threat made by US state attorneys general is widely considered to be without merit as the NZIA obliges members to set weak targets and report progress, but not to take specific actions. Meant to protect consumers from price-fixing, anti-trust law is being used as a political weapon by fossil fuel industry funded politicians to scare insurers from taking legitimate and necessary climate action.”The industry’s timidity in the face of this political pressure has been the subject of bruising criticism.“As the Net Zero Insurance Alliance disintegrates before our eyes, we must ask why these huge companies with their hordes of lawyers did not see anti-trust issues as a major obstacle when they founded the Alliance. And we must wonder whether their ditching of the Alliance has more to do with the fear of losing business in the US than real legal jeopardy”, says Patrick McCully, a senior analyst at Reclaim Finance. ...the Alliance continues losing members at rapid pace Tom Chamberlain Vice president, customer consulting, Hyperexponential Tom Chamberlain, vice-president, customer consulting at actuarial and pricing firm Hyperexponential, was just as hard-hitting in his criticism:“The NZIA exodus is not just an enormous loss for the insurance industry, but a loss for society. Formed to tackle climate change, the Alliance continues losing members at rapid pace due to this misguided belief the Alliance would ban its members from insuring certain businesses. It now stands at just 17 members, from an initial 28.“This is a huge missed opportunity for the insurance industry and frankly totally unacceptable that climate change is taking second place to protesters falsely claiming anti-competitiveness issues. Insurers can't stand alone against carbon emissions, and without the help of insurers, companies with net-zero goals will struggle to succeed.“If world leaders are serious about drastically reducing the effects of climate change, they have to get behind bodies like the NZIA and push for change, otherwise it will be too late. The speed at which the NZIA is crumbling doesn’t bode well for other bodies pushing the world to Net Zero.”At a federal level in the US insurers face pressure to move in the opposite direction. The Senate Budget Committee has called on AIG, Chubb, Liberty Mutual, Starr Wright USA, Berkshire Hathaway, State Farm, and Travelers Insurance to disclose their coverage for and investments in fossil fuels, along with information on how each insurer respects human rights.A letter sent to the insurers by the committee ‘s Democrat chair, Senator Sheldon Whitehouse, and also signed by fellow Democrat committee members Senators Ron Wyden and Bernie Sanders, asks the insurers several questions regarding plans to scale back, phase out, or eliminate support for current and expanded coal, oil, and gas projects, as well as questions related to companies’ climate-related lobbying.The European Union and the UK government are moving to ease anti-trust guidelines for firms that want to co-operate on acting on climate-related issues.The European Commission says that from July it will create a “safe harbour’ from prosecution for groups of companies that enter into “standardisation agreements”. This would cover boycott of plastics, fossil fuels or steel produced from coal-fired plants, even if these actions increase prices. This dispensation will only apply to groups of companies that do not constitute more than 20% of a market and there are restrictions on the exchange of commercially sensitive information.The UK’s Competition and Markets Authority has been even bolder.In February it published a draft proposal to allow collaborations that have a substantial and demonstrable impact on climate change, saying that the magnitude of the risk required a more permissive approach, and one that does not specify any restrictions based on market share.Insurers wanting to deliver on their commitments to promote sustainability now find themselves torn between the hostility of Republican US States and the more flexible approach of British and EU regulators. For European insurers with a large portfolio of American business and US insurers wanting to live up to the expectations of European governments and buyers, sitting on the fence seems an increasingly uncomfortable option. Topics Net-Zero Insurance AllianceClimate ChangeESG David Worsfold More... CEO Perspectives with Meg Green Sabrina Hart, President & Chief Executive Officer, Munich Re Specialty Insurance In this episode, we learn why Sabrina Hart's sports background has helped her coach winning insurance teams, and how she views DEI as a competitive advantage. Meg Green, September 18, 2023 Strategy Nerves jangle but ART solutions forge ahead We delve into the evolving world of alternative risk transfer (ART) amidst challenges like the Vesttoo scandal, the growth of captives, parametric solutions, and emerging risks. David Worsfold, September 06, 2023 Latam & Caribbean Hub Latam Insurance Market grew 16% in 2022 It reached a total value of $177 billion in written premiums, returning to 2014 levels. Juan-Fernando Serrano , September 06, 2023 101 101 Most Read CEO Perspectives with Meg Green Sabrina Hart, President & Chief Executive Officer, Munich Re Specialty Insurance Meg Green, September 18, 2023 Leadership Spencer Educational Foundation Raises Over $1.5M to Support Next Gen Talent September 15, 2023 Strategy Nerves jangle but ART solutions forge ahead David Worsfold, September 06, 2023 Latam & Caribbean Hub Latam Insurance Market grew 16% in 2022 Juan-Fernando Serrano , September 06, 2023 CEO Perspectives with Meg Green Jeremy Noble, President of Insurance, Markel Meg Green, August 11, 2023 101 101 101 101 Gift this article As a premium subscriber, you can gift this article for free Copy gift link https://www.demo.com/demo-article/ Link copied to clipboard You have reached the limit for gifting for this month There was an error processing the request. Please try again later. You have 10 article gifts to share each month About Us Our Story Get in Touch Contact Us Contributors Marketing Services Advertise Sponsors Insider Engage Library Reactions Archive Insider Engage, is part of the Delinian Group, Delinian Limited, 4 Bouverie Street, London, EC4Y 8AX, Registered in England & Wales, Company number 00954730Copyright © Delinian Limited and its affiliated companies 2024Accessibility | Terms of Use | Privacy Policy | Modern Slavery StatementCookies Settings

Are insurers dropping coverage for some Kias and Hyundais? VERIFY | wcnc.com Skip Navigation Share on Facebook Share on SMS Share on Email Navigation News Back Local Near Me Crime Health Nation World Politics Community Charlotte Hornets Charlotte FC Carolina Panthers Latest News Stories Charlotte-area school districts make decisions on classes ahead of Debby's impacts Thursdays Weather Impact: Charlotte getting heavy rain and flooding as Debby drenches the Carolinas Weather Back Forecast Radar 10-Day Hourly Maps Closings & Delays Chevy Storm Tracker Traffic Webcams Latest Weather Stories Heavy rain expected throughout Thursday as Debby pushes through the Carolinas Charlotte-area school districts make decisions on classes ahead of Debby's impacts Thursdays Sports Back Panthers Olympics High School Sports Locked On Podcast Network VERIFY Search Search: Search Right Now Charlotte, NC » 71° Charlotte, NC » Weather Closings Advertise With Us See the Difference Where's the Money? Connect the Dots Charlotte Today Investigators Contests Breaking News More () » VERIFY Yes, the 'Kia Challenge' has led to some insurance companies dropping those vehicles In North Carolina, insurance companies can choose not to cover certain vehicles under their comprehensive/collision insurance policies. More Videos Next up in 5 Example video title will go here for this video Next up in 5 Example video title will go here for this video Author: Meghan Bragg Published: 4:33 AM EDT June 30, 2023 Updated: 10:23 AM EDT June 30, 2023 CHARLOTTE, N.C. — Kia and Hyundai have agreed to pay more than $200 million to settle a class action lawsuit that claims that some of their models are easy to steal.  Viewers have told WCNC Charlotte's VERIFY team that insurance companies are responding to the problem by refusing to write new insurance policies for these vehicles. Ann H. submitted an email claiming a State Farm agent said the company will no longer write new policies for certain Hyudais and Kias.  "I was talking to my State Farm Insurance agent yesterday and was informed that all insurance companies will no longer write new policies for Hyundai's and Kia's due to increased thefts. Is this true?" OUR SOURCES The North Carolina Department of Insurance State Farm Insurance Automakers Kia and Hyundai WHAT WE FOUND  When VERIFY reached out to State Farm, a spokesperson said the company has temporarily stopped accepting new customer applications in some states for certain model years and trim levels of Hyundai and Kia vehicles because theft losses for their cars have increased drastically.  You can stream WCNC Charlotte on Roku and Amazon Fire TV, just download the free app. When asked whether North Carolina was one of those states, the company said it is not sharing information on specific states.  The National VERIFY Team also spoke with a Progressive Insurance spokesperson who says that the company isn't issuing new policies in some areas because of increased thefts. However, they didn't specify where.  In an email, The North Carolina Department of Insurance said, in part: "Liability insurance is a legal requirement for operating a car in North Carolina, so companies cannot deny offering liability coverage." For the latest Verify stories, download the WCNC Charlotte mobile app and enable push notifications.  They said auto theft falls under comprehensive/collision insurance coverage, which the Department of Insurance does not regulate. In North Carolina, insurance companies can choose not to cover certain vehicles under their comprehensive/collision insurance policies. Kia said the affected models include 2011 to 2021 Kia vehicles equipped with a steel ignition key for turn-to-start operation.  Meanwhile, Hyundai didn't provide TEGNA's VERIFY team information about specific models. A spokesperson said that the company regrets this decision by insurers and its impact on select Hyundai vehicle owners and lessees.  Contact Meghan Bragg at mbragg@wcnc.com and follow her on Facebook, Twitter and Instagram. WCNC Charlotte's Verify series is all about trying to make a difference in the Carolinas by making sure the community has the correct information. WCNC Charlotte outlines concisely what we know and what we don't know. Sometimes the answer can be surprising. Watch previous stories where we verify social media claims in the YouTube playlist below and subscribe to get updated when new videos are uploaded. 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A sudden change in the weather(man) - The Boston Globe Skip to main contentSectionsSearchMorePodcasts email Created with Sketch. NewslettersWatch: Globe TodayCOVIDMetroWeatherPoliticsTransportationEducationCambervilleAround Mass.InvestigationsObituariesDeath NoticesSportsRed SoxPatriotsBruinsCelticsRevolutionHigh SchoolsOlympicsTV & RadioBusinessTech Power PlayersTechnologyEconomyHousingReal EstateJobsBiotechFuture of WorkThe Fine PrintBold TypesPoliticsElectionsMoney, Power, InequalityClimateSpotlightOpinionIdeasColumns and Op-edsEditorialsLettersCartoonsSay More podcastNew HampshireBusinessPoliticsEducationCrimeHealthCommentaryRhode IslandThings to DoRhode Island PodcastRI Food & DiningPoliticsBusinessArtsCrimeWorldGlobe MagazineMiss ConductDinner with CupidPerspectiveWomen & Power 2023LifestyleA Beautiful ResistanceFood & DiningComicsCrosswordGamesTravelNamesLove LettersReal EstateArtsBooksMoviesMusicTelevisionVisual ArtsTheater/DanceGames & PuzzlesCrosswordMini CrosswordSudokusWord FlowerWordroWJigsawCarsReal EstateEventsSearchGames & PuzzlesePaperMagazineObituariesComicsEventsManage my AccountMurder in BostonLove LettersSay MoreRhode Island ReportMr. 80 PercentGladiatorSTAT: The Readout LoudAll PodcastsToday's HeadlinesBreaking News AlertsSports HeadlinesToday in OpinionGlobe's Most PopularRhode Island NewsNew Hampshire NewsBoston Globe TodayAll NewslettersEmail to a Friend Share on Facebook Share on TwitterPrint this Article View CommentsWatch: Globe TodayMetroWeatherPoliticsSportsOlympicsBusinessPuzzlesRhode IslandGlobe MagazineOpinionHealthArtsLifestyleEducationCambervilleMoney, Power, InequalitySpotlightTechnologyClimateCarsReal EstateEventsMore from Globe Opinion|Submit a Letter to the Editor|Meet the Editorial BoardNEWSLETTERA sudden change in the weather(man)By Renée Graham Globe Columnist,Updated June 30, 2023, 3:00 a.m.Email to a Friend Share on Facebook Share on TwitterPrint this Article View CommentsThis is an excerpt from Outtakes, a Globe Opinion newsletter from columnist Renée Graham. * indicates required Email Address * In his 18 years as a TV meteorologist, Chris Gloninger has gotten his share of guff from viewers when nature’s capriciousness occasionally got the better of his daily forecasts. But when the harmless complaints that were part of his job were overshadowed by harassment and threats, he quit.”I am bidding farewell to TV to embark on a new journey dedicated to helping solve the climate crisis,” Gloninger tweeted last week. Since 2021 he’s been chief meteorologist for KCCI, a CBS affiliate in Des Moines, Iowa. “After a death threat stemming from my climate coverage last year and resulting PTSD, in addition to family health issues, I’ve decided to begin this journey *now*.”You read that right. Gloninger received violent messages accusing him of promoting “a Biden hoax” and “liberal conspiracy theory” because he often informed his viewers about how weather extremes — like 100-year floods and droughts becoming near-annual events — were being exacerbated by the global climate crisis. When tracked down by police last year, Danny H. Hancock, 63, of Lenox, Iowa, admitted to sending multiple disturbing e-mails to Gloninger. He pleaded guilty to third-degree harassment and was fined $150.AdvertisementAdd meteorologists to the list of people including educators, scientists, health care workers, librarians, and store employees being targeted by right-wing campaigns and extremists for daring to do their jobs. Climate change is a fact. A recent national study by the Yale Program on Climate Change Communication revealed that 74 percent of Americans believe global warming is real. So, too, are its everyday consequences.globe staffAllstate and State Farm, two of the nation’s biggest insurers, have stopped selling new home, condo, and commercial insurance policies in California because the state has been inundated with natural disasters. In several states where air quality is again plummeting due to drifting smoke from the worst wildfires in Canada’s history, residents are being encouraged to wear N95 masks outside. After nearly two weeks of dangerously high temperatures in Texas, part of an Houston interstate on-ramp buckled in the heat. That is not a hoax or a “liberal conspiracy theory.” AdvertisementThis is a nation where conservatives have politicized everything from French fries — remember “Freedom fries”? — to light bulbs to the attire of anthropomorphized M&Ms. It can seem ridiculous, even funny. But there’s a nasty undertow that’s part of a wider pattern of attacks on expertise and knowledge. Of course, death threats against individuals are always scary. But what far-right extremists ultimately want is the cowed silence of those they oppose and the death of truth and public trust in proven facts.Fortunately Gloninger, who previously worked for NBC10 Boston, isn’t abandoning his fight to raise awareness of climate change. He’s returning to Massachusetts to join the Woods Hole Group, an environmental consulting organization. “I’m not giving up,” he told NPR. “I’m just switching roles to do even more of it.”Renée Graham is a Globe columnist. She can be reached at renee.graham@globe.com. Follow her @reneeygraham.Globe Opinionfollow usShare on TwitterShare on Facebook Share on InstagramFollow Us Subscribe NowDigital AccessHome DeliveryGift SubscriptionsMy AccountLog InManage My AccountCustomer ServiceDelivery IssuesFeedbackContactHelp & FAQsStaff ListAdvertiseMoreNewslettersView the ePaperOrder Back IssuesNews in EducationSearch the ArchivesPrivacy PolicyTerms of ServiceTerms of PurchaseContactWork at Boston Globe MediaInternship ProgramCo-op ProgramDo Not Sell My Personal Information©2024 Boston Globe Media Partners, LLC

The Windham Eagle Business: Business Spotlight: Chris Doughty State Farm Insurance Friday, June 30, 2023 Business Spotlight: Chris Doughty State Farm Insurance For Chris Doughty, his career focuses on helping people manage the risks of everyday life, recovering from the unexpected, and realizing their dreams. Now Doughty has realized one of his own dreams by opening a second location for his insurance agency right here in Windham.Doughty has been in the insurance industry for more than two decades, formerly operating State Farm agencies in Waterboro and Portland, and currently at 723 Main St. in Westbrook. But now he’s excited to open a new location at 765 Roosevelt Trail in Windham across from Planet Fitness and serve the community.“We offer auto, home, life, disability and business insurance as well as financial services such as annuities and retirement planning,” Doughty said. “We take a comprehensive look at our clients’ complete insurance protection package and make sure they have no potential gaps that could cause issues for them down the road.”The new Windham location is something that Doughty has hoped for since he started in the insurance industry.“I really want to build our business here,” he said. “I live in Windham, I coach in Windham, and my kids go to Windham schools. This is the culmination of many years of hard work to open this office. As a second- generation owner of the business, I pride myself on our team’s ability to build strong relationships with our clients. Our clients enjoy doing business with us because they know they can call or stop in and always talk to a familiar friendly face from our team. We offer customized home, flood, auto, boat, condo, renters, personal articles, RV, motorcycle, umbrella, pet, commercial and life insurance policies and mutual funds and annuities.”And teamwork is something that Doughty is familiar with, having played baseball for Saint Joseph’s College and earlier this year he was named as the new varsity baseball coach at Windham High School. He lives in Windham with his wife, Sara, two children, Eva, age 9, Troy, age 7, and the family dog, King.His athletic success, coupled with his attentive, personalized, and exceptional customer service, outstanding product knowledge and vast expertise has led to some major accomplishments with State Farm Insurance as well. Doughty is the first State Farm agent in Maine to be given multiple locations. He also is a State Farm Chairman’s Circle qualifier recognizing the Top 10 percent of agents nationwide.“I personally feel the customer service you receive at my agency is second to none and really separates us from other insurers,” Doughty said. “We understand you can’t always make everyone happy, but we sure try our best to do so. We truly care about all our clients and the community.”According to Doughty, a common misconception that many people have is that insurance is a lot more Chris Doughty, owner and agent at Windham'snew State Farm office located in the WindhamShopping Center. SUBMITTED PHOTO expensive than it really is and that insurance agents are merely claims adjusters looking at saving the company money or trying to find faults.“It’s exactly the opposite,” he said. “We represent the customer and try to get coverage for everyone. Our job is to build strong relationships with our neighbors and help them as much as possible.”Doughty said the job of an agency is to deal directly with State Farm as an advocate for the customer and to find them affordable coverage while assisting them to understand what’s in their policy. The company offers free reviews and free quotes on home insurance, life insurance, auto insurance and more.“Our current pricing with State Farm is the most competitive it has been since I opened my business in 2009,” he said. “Luckily with State Farm backing us they do an excellent job of sending out flyers, postcards, and letters to familiarize our clients with all the discounts we offer. Our team always makes sure to explain all the ways our clients can save money with us as well. We focus specifically on the Greater Portland and Lakes Region, but we have clients all over the state of Maine.”Hours for the Windham office are 9 a.m. to 5 p.m. Monday through Thursday and 9 a.m. to 4:30 p.m. Friday. Saturday by appointment only.For more information or to make an appointment, call 207-747-5944 or visit them online at https://mywestbrookagent.com/. Find them on Facebook under Chris Doughty State Farm Insurance. < Posted by Ed Pierce at 2:00 AM Email ThisBlogThis!Share to TwitterShare to FacebookShare to Pinterest Labels: baseball coach, Chris Doughty, estimates, free reviews, Maine, personalized service, State Farm Insurance, The Windham Eagle, Westbrook, Windham, Windham High School No comments: Post a Comment Newer Post Older Post Home Subscribe to: Post Comments (Atom) Eagle - Sections Eagle - Front Page Eagle - Local News Eagle - Sports Eagle - Lifestyles Eagle - Entertainment Eagle - Real Estate Story & Column Ideas Editor@TheWindhamEagle.com207-894-3500 Advertising Contact Sales@TheWindhamEagle.com207-894-3500 Contributors Ed Pierce The Windham Eagle Office The Windham Eagle Search Archive ►  2024 (32) ►  August (1) ►  July (4) ►  June (4) ►  May (6) ►  April (4) ►  March (5) ►  February (4) ►  January (4) ▼  2023 (52) ►  December (4) ►  November (4) ►  October (4) ►  September (5) ►  August (4) ►  July (4) ▼  June (5) Business Spotlight: Chris Doughty State Farm Insur... 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IN RE HELEN TENNEY MILLER | No. 360048. | By PER... | 20230703129| Leagle.com Menu Home Featured Decisions Latest Decisions Browse Decisions Advanced Search Sign in Home Browse Decisions IN RE HELEN TENNEY MILLER TRUST   IN RE HELEN TENNEY MILLER TRUST No. 360048. View Case In re HELEN TENNEY MILLER TRUST. NEW PRODUCTS CORPORATION, Plaintiff-Appellant, v. GREG L. MILLER, Individually and as Co-Trustee and Co-Personal Representative, VALORIE MILLER, Individually and as Co-Trustee and Co-Personal Representative, BETHANY MILLER MORGAN, CINDY MILLER KING, and MODERN PLASTICS CORPORATION, Defendants-Appellees. Court of Appeals of Michigan.https://leagle.com/images/logo.png June 29, 2023. June 29, 2023. UNPUBLISHED PER CURIAM. This appeal arises from a civil case filed in probate court that was consolidated with the supervised administration of the Helen Tenney Miller Trust (the Miller Trust). After a bench trial, plaintiff, New Products Corporation, appeals by right the amended judgment entered by the Berrien Probate Court in favor of defendants... Let's get started Welcome to the leading source of independent legal reporting Sign on now to see your case. Or view more than 10 million decisions and orders. Updated daily. Uncompromising quality. Complete, Accurate, Current. SubscribeNow! Listed below are the cases that are cited in this Featured Case. Click the citation to see the full text of the cited case. Citations are also linked in the body of the Featured Case. Cited Cases No Cases Found Listed below are those cases in which this Featured Case is cited. Click on the case name to see the full text of the citing case. Citing Cases   Copyright © 2024, Leagle, Inc. Disclaimer Terms of Use Privacy Statement Corporate Social Responsibility About Us Contact Us

HENDERSON v. ARIA RESORT | Case No. 2:21... | 20230703984 | Leagle.com Menu Home Featured Decisions Latest Decisions Browse Decisions Advanced Search Sign in Home Browse Decisions HENDERSON v. ARIA RESORT AND CASINO HOLDINGS, LLC   HENDERSON v. ARIA RESORT AND CASINO HOLDINGS, LLC Case No. 2:21-cv-00280-JAD-NJK. View Case RHODNEY HENDERSON, et al., Plaintiff(s), v. ARIA RESORT AND CASINO HOLDINGS, LLC, et al., Defendant(s). United States District Court, D. Nevada.https://leagle.com/images/logo.png June 29, 2023. June 29, 2023. Order NANCY J. KOPPE, Magistrate Judge. [Docket No. 97] Pending before the Court is Defendants' motion to seal an exhibit filed in conjunction with their motion for clarification. Docket No. 97; see also Docket No. 98. No response was filed.1 The Court does not require a hearing on the motion... Let's get started Welcome to the leading source of independent legal reporting Sign on now to see your case. Or view more than 10 million decisions and orders. Updated daily. Uncompromising quality. Complete, Accurate, Current. SubscribeNow! Listed below are the cases that are cited in this Featured Case. Click the citation to see the full text of the cited case. Citations are also linked in the body of the Featured Case. Cited Cases No Cases Found Listed below are those cases in which this Featured Case is cited. Click on the case name to see the full text of the citing case. Citing Cases   Copyright © 2024, Leagle, Inc. Disclaimer Terms of Use Privacy Statement Corporate Social Responsibility About Us Contact Us

PENN-STAR INS. CO. v. THO | 368 So.3d 1245 (2023... | 20230629328| Leagle.com Menu Home Featured Decisions Latest Decisions Browse Decisions Advanced Search Sign in Home Browse Decisions So.3d 368 So.3d 368 So.3d 1245 (2023)   PENN-STAR INS. CO. v. THOMPSON NO. 2022-IA-00106-SCT. View Case 368 So.3d 1245 (2023) PENN-STAR INSURANCE COMPANY, v. LaTonya J. THOMPSON, Steven Thompson, Christopher S. Partridge, Carol Partridge, and Murphy's Welding, LLC. Supreme Court of Mississippi.https://leagle.com/images/logo.png June 29, 2023. June 29, 2023. Attorney(s) appearing for the Case ATTORNEYS FOR APPELLANT: JOSHUA J. WIENER, Ridgeland, DONNA BROWN JACOBS, Oxford. ATTORNEYS FOR APPELLEES: CHARLES M. MERKEL, JR., EDWARD P. CONNELL, JR., Clarksdale. BEFORE KING, P.J., MAXWELL AND GRIFFIS, JJ. GRIFFIS, JUSTICE, FOR THE COURT: ¶1. Penn-Star Insurance Company (Penn-Star) appeals the trial court's denial of its motion for summary judgment. Because the commercial general liability policy at issue does not cover the sustained losses, the trial court's order is reversed, judgment is rendered in favor of Penn-Star, and this case is remanded... Let's get started Welcome to the leading source of independent legal reporting Sign on now to see your case. Or view more than 10 million decisions and orders. Updated daily. Uncompromising quality. Complete, Accurate, Current. SubscribeNow! Listed below are the cases that are cited in this Featured Case. Click the citation to see the full text of the cited case. Citations are also linked in the body of the Featured Case. Cited Cases No Cases Found Listed below are those cases in which this Featured Case is cited. Click on the case name to see the full text of the citing case. Citing Cases   Copyright © 2024, Leagle, Inc. Disclaimer Terms of Use Privacy Statement Corporate Social Responsibility About Us Contact Us

ETEGHAEI v. COUNTY OF ALA | Case No. 22-cv-04298-KAW. | 20230630b09 | Leagle.com Menu Home Featured Decisions Latest Decisions Browse Decisions Advanced Search Sign in Home Browse Decisions ETEGHAEI v. COUNTY OF ALAMEDA   ETEGHAEI v. COUNTY OF ALAMEDA Case No. 22-cv-04298-KAW. View Case ARASH ETEGHAEI, et al., Plaintiffs, v. COUNTY OF ALAMEDA, et al., Defendants. United States District Court, N.D. California.https://leagle.com/images/logo.png June 29, 2023. June 29, 2023. ODER GRANTING IN PART AND DENYING IN PART MOTIONS TO DISMISS KANDIS A. WESTMORE, Magistrate Judge. Re: Dkt. Nos. 61, 62 Plaintiffs Arash Eteghaei and Mitra Zade filed the instant action, alleging violations of their civil rights by Defendants County of Alameda, Sheriff Gregory J. Ahern, Lieutenant Farruggia, Officer Scott Brandon... Let's get started Welcome to the leading source of independent legal reporting Sign on now to see your case. Or view more than 10 million decisions and orders. Updated daily. Uncompromising quality. Complete, Accurate, Current. SubscribeNow! Listed below are the cases that are cited in this Featured Case. Click the citation to see the full text of the cited case. Citations are also linked in the body of the Featured Case. Cited Cases No Cases Found Listed below are those cases in which this Featured Case is cited. Click on the case name to see the full text of the citing case. Citing Cases   Copyright © 2024, Leagle, Inc. Disclaimer Terms of Use Privacy Statement Corporate Social Responsibility About Us Contact Us

DOE v. VEST MONROE, LLC | 890 S.E.2d 439 (2023... | 20230629197| Leagle.com Menu Home Featured Decisions Latest Decisions Browse Decisions Advanced Search Sign in Home Browse Decisions S.E.2d 890 S.E.2d 890 S.E.2d 439 (2023)   DOE v. VEST MONROE, LLC A23A0605. View Case 890 S.E.2d 439 (2023) DOE, v. VEST MONROE, LLC et al. Court of Appeals of Georgia.https://leagle.com/images/logo.png June 29, 2023. June 29, 2023. Attorney(s) appearing for the Case Scott Lester Bonder, Atlanta, Roy Robinson Kelly IV, Savannah, Joseph Alan White, Atlanta, Caitlin J. Derst, Savannah, for Appellant. David Van Hayes, Atlanta, Kimberly Logue Woodland, Atlanta, Kathleen Duggan Broyles, for Appellee. McFadden, Presiding Judge. For six days in March 2019, John Doe was a patient at Ridgeview Institute Monroe, a private mental health and substance abuse treatment facility. He filed a proposed class action lawsuit against the owner of Ridgeview and others (together, "Ridgeview"), alleging that Ridgeview's conduct had enabled a former Ridgeview employee... Let's get started Welcome to the leading source of independent legal reporting Sign on now to see your case. Or view more than 10 million decisions and orders. Updated daily. Uncompromising quality. Complete, Accurate, Current. SubscribeNow! Listed below are the cases that are cited in this Featured Case. Click the citation to see the full text of the cited case. Citations are also linked in the body of the Featured Case. Cited Cases No Cases Found Listed below are those cases in which this Featured Case is cited. Click on the case name to see the full text of the citing case. Citing Cases   Copyright © 2024, Leagle, Inc. Disclaimer Terms of Use Privacy Statement Corporate Social Responsibility About Us Contact Us

WALLESER v. WALLESER | 994 N.W.2d 10 (2023) | 20230629e68 | Leagle.com Menu Home Featured Decisions Latest Decisions Browse Decisions Advanced Search Sign in Home Browse Decisions N.W.2d 994 N.W.2d 994 N.W.2d 10 (2023)   WALLESER v. WALLESER Appeal No. 2022AP971. View Case 994 N.W.2d 10 (2023) 2023 WI App 39 Shirley WALLESER, Plaintiff-Respondent, v. Kevin WALLESER and Dr. Anne Marie E. Elwing, Defendants-Appellants. Court of Appeals of Wisconsin.https://leagle.com/images/logo.png June 29, 2023. June 29, 2023. Court of Appeals of Wisconsin. THE CASE HAS BEEN ORDERED NOT PUBLISHED. UNPUBLISHED OPINION MAY NOT BE CITED AS PRECEDENT OR AUTHORITY IN ANY WISCONSIN STATE COURT, EXCEPT AS SPECIFIED IN Rule 809.23(3). Judgment reversed. Cause remanded with... Let's get started Welcome to the leading source of independent legal reporting Sign on now to see your case. Or view more than 10 million decisions and orders. Updated daily. Uncompromising quality. Complete, Accurate, Current. SubscribeNow! Listed below are the cases that are cited in this Featured Case. Click the citation to see the full text of the cited case. Citations are also linked in the body of the Featured Case. Cited Cases No Cases Found Listed below are those cases in which this Featured Case is cited. Click on the case name to see the full text of the citing case. Citing Cases   Copyright © 2024, Leagle, Inc. Disclaimer Terms of Use Privacy Statement Corporate Social Responsibility About Us Contact Us

YOBY v. CLEVELAND | 219 N.E.3d 1099 (2023) | By... | 20230629579| Leagle.com Menu Home Featured Decisions Latest Decisions Browse Decisions Advanced Search Sign in Home Browse Decisions N.E.3d 219 N.E.3d 219 N.E.3d 1099 (2023)   YOBY v. CLEVELAND No. 112013. View Case 219 N.E.3d 1099 (2023) 2023-Ohio-2180 Clint YOBY, et al., Plaintiffs-Appellees, v. City of CLEVELAND, et al., Defendants-Appellants. Court of Appeals of Ohio, Eighth District, Cuyahoga County.https://leagle.com/images/logo.png Released and Journalized: June 29, 2023. Released and Journalized: June 29, 2023. Attorney(s) appearing for the Case Merriman Legando Williams & Klang, LLC, Drew Legando, Cleveland, Tom Merriman, and Edward S. Jerse; Cleveland, Bashein & Bashein Co., LPA, W. Craig Bashein and John Hurst; Cleveland, Scott+Scott LLP, Geoffrey M. Johnson, Cleveland Heights and Deborah Clark-Weintraub (pro hac vice); Meyers, Roman, Friedberg & Lewis, and Peter Turner; Cleveland, Brakey Law LLC, and Carolyn Brakey, for appellees. Mark Griffin, Director of Law, and Delante Spencer Thomas, Chief Assistant Director of Law; Zashin & Rich Co., L.P.A., Stephen J. Zashin, Sarah J. Moore, and Jzinae N. Jackson; Carpenter Lipps & Leland LLP, Jeffrey A. Lipps, Kimberly W. Bojko, Angela Paul Whitfield and Jonathan Wygonski, Columbus, for appellant. JOURNAL ENTRY AND OPINION MARY J. BOYLE, J.: {¶ 1} This case arises from a class action lawsuit filed by plaintiffs-appellees, Clint Yoby, et al. (collectively "appellees"), against defendant-appellant, the city of Cleveland ("the City"), regarding whether the City was authorized to assess certain adjustments on appellees... Let's get started Welcome to the leading source of independent legal reporting Sign on now to see your case. Or view more than 10 million decisions and orders. Updated daily. Uncompromising quality. Complete, Accurate, Current. SubscribeNow! Listed below are the cases that are cited in this Featured Case. Click the citation to see the full text of the cited case. Citations are also linked in the body of the Featured Case. Cited Cases No Cases Found Listed below are those cases in which this Featured Case is cited. Click on the case name to see the full text of the citing case. Citing Cases   Copyright © 2024, Leagle, Inc. Disclaimer Terms of Use Privacy Statement Corporate Social Responsibility About Us Contact Us

Chris Bryant: Minor fender bender? That will be $42,000, please. | Columns | nny360.com Skip to main content × Thank you for using NNY360! Please log in, or sign up for a new account and purchase a subscription to continue reading. Join now to continue reading. Your current subscription does not provide access to this content. Sign Up Log In 6-Day WDT Print Subscriber Access Six-day (Tuesday through Sunday) print subscribers of the Watertown Daily Times are eligible for full access to NNY360, the NNY360 mobile app, and the Watertown Daily Times e-edition, all at no additional cost. If you have an existing six-day print subscription to the Watertown Daily Times, please make sure your email address on file matches your NNY360 account email. You can sign up or manage your print subscription using the options below. Existing account New subscriber Existing account New subscriber Digital-Only Membership Autumn Special Read. Know. Act. $3 for 3 months! 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Edit Close Facebook Twitter Instagram Site search Search Sign Up Log In Dashboard Logout My Account Dashboard Profile Saved items Logout News Jefferson County Lewis County St. Lawrence County Oswego County Fort Drum Crime & Law Government Nation and World State News Newsletters Police Blotters Obituaries Sports FISU World University Games High School Sports Section10 Frontier League All-North Coverage Wolves Rapids Red and Black Recreational Sports College Sports Pro Sports Columns Arts and Life Food and Drink Family and Relations Arts and Entertainment Home and Garden Books and Authors Local History Calendar Announcement Forms Opinion Editorials Letters Columns Submit a Letter Polls Photo and Video Daily Photo Photo of the Month Historical Photos Videos Photos & Plaques for Sale Community News Agriculture Business Education Achievers Community Giving Community Notes Press Releases Allens Alley Faith Perspectives Health Matters Man vs. Machine Pets State and Assembly Reports Ads Classifieds NNY Jobs NNY Auto Finder NNY Real Estate Place an Ad Place a Legal Notice Content from Samaritan Medical Center Archives NNY Newspapers Archives Watertown Daily Times eEdition Desktop eEdition iOS App Android App More NNY Publications Malone Telegram NNY Business NNY Living More Info & Site Features About Us Contact Us Terms of Use Privacy Policy Home Delivery Subscription Services Submission Forms Newsletters Photos & Plaques for Sale Site Search RSS Feed Report a Delivery Issue About Contact Subscribe eEdition Events Advertising Place an Ad Place a Legal Notice Classified Ads Jobs Autos Real Estate Submit News Tip Report Delivery Issue Sign Up Log In Dashboard Logout My Account Dashboard Profile Saved items Logout Powered by Watertown Daily Times andNorthern New York Newspapers 57° Clear Watertown, NY (13601) Today A few showers early then thundershowers this afternoon. High 78F. Winds SE at 5 to 10 mph. Chance of rain 70%.. Tonight Thunderstorms likely. Low around 70F. Winds SSE at 10 to 15 mph. Chance of rain 90%. Updated: August 8, 2024 @ 5:09 am Full Forecast Site search Search Menu Search Jefferson Fort Drum St. Lawrence Lewis Oswego Obituaries Submit an Obituary eEdition Photo Sales Chris Bryant: Minor fender bender? That will be $42,000, please. By CHRIS BRYANTBloomberg Opinion Jun 30, 2023 Jun 30, 2023 0 Facebook Twitter WhatsApp SMS Email The Auto Club and California Highway Patrol hold a news event at The Auto Club to raise awareness about the dangers of distracted driving on April 4, 2022. Carolyn Cole/Los Angeles Times/Tribune News Service Facebook Twitter WhatsApp SMS Email Print Copy article link Save NEW YORK — Modern cars are marvelous, except when they need fixing — in which case the bill for even a seemingly minor dent can easily reach four or even five figures.Consumers and fleet owners are being stuck with huge repair bills while auto insurers are hiking premiums. Regrettably, this type of inflation could prove very sticky.There isn’t a simple explanation for why car insurance prices have suddenly gone through the roof: Soaring used car values, an uptick in dangerous driving, rising theft, spare part and technician shortages have all contributed to insurers’ burgeoning losses. Another less-explored issue is the increasing complexity of fixing vehicles; and, unlike some of those other factors, that won’t change once supply chains and labor markets revert to normal.New models — whether powered by combustion engines or electric batteries — have essentially become very expensive computers on wheels, sometimes containing as many as 3,000 semiconductors. This is wonderful from a safety and driving performance perspective, but replacement parts cost more and modern vehicles take longer to fix.“If you think about the number of sensors, cameras and the technology embedded in vehicles today, that is driving a significant increase in the underlying cost of repair,” Leah Stearns, the chief financial officer of salvage auction company Copart, told investors earlier this month. “So if you do get in an accident, a lower level of damage actually could effectively result in the car being totaled.”In the United Kingdom, the cost of vehicle repairs paid for by insurers jumped by one-third in the first quarter; Direct Line Insurance Group warned last month that adverse damage claims would continue to pressure earnings this year. No wonder U.K. car insurance costs jumped by a staggering 43% year-on-year in May, according to official inflation data published last week.In the United States, car repair prices are increasing at a 20% annual rate, or around five times the overall rate of inflation. One of the better performing auto insurers, Progressive, last month blamed higher than anticipated costs to fix cars for a deterioration in its underwriting performance, adding it would be “aggressive” in raising customer premiums.The average number of parts replaced per insurance claim has climbed to 13 from around 10 since 2017, while the average total cost of collision repairs has jumped 45% to $4,200 during the same period, according to a report by auto repair and insurance software company CCC Intelligent Solutions Holdings. Meanwhile, the average length of repairs has swelled to 16 days from 10 since 2019. The longer a vehicle is in the repair shop, the more an insurer must pay for a courtesy car.These days, even humdrum parts like mirrors and fenders contain complex sensors. A replacement windshield that once might have cost as little as $300 will now set you back more than $1,000 if it has technical features such as a head-up display. A replacement headlamp can cost as much as 8% of the value of the entire car.“The more technology you add to avoid or reduce the severity of an accident, the more expensive components there are in peripheral areas of the vehicle,” Adrian Watson, head of engineering at Thatcham Research, told me. “Getting the balance right is hard.”(Thatcham was established by the insurance industry to safely reduce the cost of claims.)Auto electronics may also require diagnostic scans and recalibration following a crash, adding several hundred dollars to repair bills.“It’s not just inflation, it’s really the average repair today has more labor hours on it and likely more calibration on it than an average repair did even two years ago,” Tim O’Day, the chief executive officer of Canadian collision repair chain Boyd Group Services, told investors last month.Tech-enabled functions like automatic emergency braking and reverse parking cameras can help drivers avoid minor scrapes. Yet a hailstorm, theft or collision might still result in the vehicle being damaged.If that happens, repair costs can be enormous, particularly if the automaker is inexperienced and has made suboptimal design choices. Consider the bill one customer received for repairing a Rivian Automotive pickup truck after it was involved in a low-speed rear-end collision in February. Originally estimated at $1,600, the final cost came to an eye-watering $42,000, which isn’t far off the price of the average new car.I’m no opponent of electric vehicles, but they can be up to 50% more expensive to repair than a combustion engine equivalent. Not only are EVs generally more expensive to purchase in the first place, the battery accounts for a large chunk of that value.“Even a small accident could be costly if the battery is involved,” State Farm, the United States’s biggest car insurer, warns clients on its website, noting that a replacement battery might cost $15,000 not including labor.On average, insurers charge 12% more to insure an EV, but Bloomberg Intelligence analyst Kevin Ryan says premiums may still not be high enough given the additional risk.To offset the battery weight, EV bodies also use more expensive, lightweight materials. And, depending on the model, the battery may be integral to the vehicle structure, making it harder to replace.“Batteries are in effect the costliest spare part in the history of motoring, yet their repairability isn’t always given enough consideration when EVs are being designed,” says Thatcham’s Watson.Many repair shops aren’t yet accustomed to fixing EVs, and rigorous inspection is required if damage is suspected, which isn’t easy. A recent Reuters investigation found that even lightly damaged EVs are often being written off. Tesla resorted to launching its own insurance arm in 2019 so customers can avoid the high premiums its customers are often quoted by third-party insurers.My 2 cents: Automakers need to focus on building cars that are not only clean and safe, but also don’t cost a fortune to fix when something goes wrong. Even “small changes in design of the bumper” can have an “enormous” impact on the repair cost, Elon Musk told Tesla investors in January.I’m also in favor of drivers being allowed to use cheaper, third-party spare parts, something car manufacturers have long resisted, purportedly on safety grounds. Happily, there are moves afoot on both sides of the Atlantic to allow that.It will be a long time before we’re all whizzing around in driverless cars that never crash. In the meantime, vehicle owners should brace for their car insurance premiums and repair bills to remain high.Chris Bryant is a Bloomberg Opinion columnist covering industrial companies in Europe. Previously, he was a reporter for the Financial Times. © 2023 Bloomberg Opinion. 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Program Helping Seniors’ Pets Gets National Attention - eagletimes.com | Serving the Twin State Valley News Sports Lifestyles Opinion Obituaries Eagle Eye E-Editions Special Sections Archives Log in Subscribe Toggle sidebar & navigation News Sports Lifestyles Opinion Obituaries Eagle Eye E-Editions Special Sections Archives Log in Subscribe News Sports Lifestyles Opinion Obituaries Eagle Eye E-Editions Special Sections Archives Log in Subscribe News Program Helping Seniors’ Pets Gets National Attention by Eagle Times on June 30, 2023 Eagle Times Author More in News: Settlement in 2022 NH-02 primary anonymous mailers case  August 7, 2024 Valley Regional Hospital becomes member of Dartmouth Health  August 5, 2024 North Street to have one-way alternating traffic during construction  August 5, 2024 By Stephen Cheslik EAGLE TIMES MANAGING EDITOR What began as a $1,000 bequest by a disabled veteran a decade ago continues to help feed and care for the pets of Southeastern Vermont’s seniors today. The program it spawned, the Foxy Fund at Senior Solutions, Council on Aging for Southeastern Vermont, is receiving national attention. Foxy Fund will be featured July 15 on a nationally broadcast radio segment of Arden Moore’s “Four-Legged Life.” The segment will include Senior Solutions Nutrition and Wellness Director Thom Simmons and Meals on Wheels America Impact and Strategy Manager Morgan Hultquist. The program helps seniors in Windham and Windsor counties and the towns of Readsboro, Searsburg, Winhall and Thetford in Bennington and Orange counties, Simmons said. “Frankly, helping pets helps the seniors.” He said every study he’s ever seen illustrates that seniors benefit emotionally and physically from having pets, and he explained why Senior Solutions would help provide pet food and money for veterinary care. “The majority are single. The pet is their number one constant companion. The pet actually helps with lowering stress, lowering heart rate. It increases seniors’ mobility and activity because they need to get up and feed the animal [and] walk the animal.” That concept, that helping pets helps seniors, has been the cornerstone of the program since its founding. The initial $1,000, Simmons said, was from a former Seniors Solutions client. “Ten or 12 years ago, a client named Karl, a homeless vet who was struggling with alcohol addiction, came to senior solutions and our case manager set him up with housing and medication and got him back to functioning,” Simmons said. “Even though he got everything back in order, he was still alone,” Simmons said in a recent interview. “Such isolation is a problem for many of our seniors.” “Karl got himself a little-reddish-Yorkie-kind of pup and named him Foxy. And Foxy became his companion for the rest of his life. Everywhere he went in his wheelchair, Foxy was right there riding with him. He just couldn’t be separated from Foxy, and it gave him a reason to do things to get up and go out. “He didn’t have a large estate. He had about a thousand dollars to his name when he passed away, but he asked that all of that be used by Senior Solutions to help other people care for their pets.” Seventy percent of Vermonters have pets, with the highest pet ownership rate among those 50 or older, Simmons said. “I just received a letter yesterday from someone in Townshend saying their cat needed some emergency vet services, so she didn’t pay her car insurance or her home payment because her cat comes first,” Simmons said. “That’s not unusual for seniors.” Receiving no government support and with the initial gift having been spent long ago, the program continues through the generosity of mostly “small, ‘nickel-and-dime $10 donations’” and a few large gifts from Jerry Farnum, with State Farm Insurance in Springfield, and PetSmart, which has given Foxy Fund two $13,000 grants. “We don’t get any government funds, so it needs to be self-supporting, Simmons said. “I can always use donations. If people don’t have cash handy but they have a large case of dog food or cat food maybe their critter didn’t like, call me. We can come and pick it up.” “I’ve had some companies, some offices, their employees have got together and purchased some pet food for the program. That is a great way to help.” Distributing the food is done mostly by Meals on Wheels volunteers. “Dogs certainly give us unstinting, unconditional love, and it means a lot to the older population,” said Senior Solutions Community Relations Director Joann Erenhouse. “So luckily, through the Meals on Wheels distribution locations, many of our senior centers and providers are more than willing to include in the food tray delivery these bags of pet food. But more than Meals on Wheels drivers are needed. The program also needs help breaking down the large bags of pet food it receives into smaller portions that can be sent out with Meals on Wheels drivers. “If people want to volunteer, I don’t care what day, weekend or night. We can use their help,” Simmons said. Before the PetSmart grants, the program was limited to helping feed pets. Now, “The Foxy Fund will do inoculations, some minor surgery,” said Erenhouse. “We could never do that before because we didn’t have the grant. It was kind of a shoestring operation. “PetSmart has allowed us to expand our services.” Meals on Wheels recipients who need help feeding their pets are urged to tell their driver or let their local meal center know. Seniors who need help with veterinary bills or do not participate in the Meals on Wheels program can contact the Senior Solutions Helpline at 866-673-8376 or 802-885-2669, or Simmons directly at 802-755-7295. “If they’ve got any other odd situations, like they are going into the hospital for an extended stay, or operation and they need their animal boarded or someone to look in on their animals during their extended stay they should definitely call me to work that out,” Simmons said. To donate or volunteer, contact Seniors Solutions. The broadcast will be available in July at https://www.ardenmoore.com/fourleggedlifeshow . Eagle TimesWebsiteAs your daily newspaper, we are committed to providing you with important local news coverage for Sullivan County and the surrounding areas. Eagle Times As your daily newspaper, we are committed to providing you with important local news coverage for Sullivan County and the surrounding areas. SearchSearchRecent NewsDr. Mark Congdon Hamilton Floyd A. Drew Attend Aug. 12 Planning Board meeting  No injuries reported after car goes through Meriden post office  Big Lots closing in the fall  Site developed by PaywallProject.com SectionsNews Sports Lifestyles Opinion Obituaries Eagle Eye E-Editions Special Sections Archives Log in Subscribe Contact Information eagletimes.com 27 Pleasant St. Claremont, NH 03743 Phone: (603) 543-3100 Email: [email protected] Follow us facebook twitter linkedin youtube instagram Copyright © 2024 eagletimes.com | Serving the Twin State Valley Designed by WPZOOM

On Your Side recovers $47K for viewers during June Skip to contentYour Life ArizonaRecycle Your BicyclePool Safety 101Silver AppleSurprise SquadField Trip FridayNewcomers GuideArizona NewsWatch LiveWeatherVideoTrafficGood Morning ArizonaNews TipsSeen On TVSubmit PhotosHomeWatch LiveVideoSeen on TVArizona NewsPhoenix NewsEast Valley NewsWest Valley NewsArizona WildfiresTrue Crime ArizonaPoliticsBorder NewsNorthern ArizonaYuma NewsHealthUS & WorldWeatherWeather CamsWeather CoverageSubmit QuestionsWeather AppMonsoonDroughtExtreme HeatRadarWeather MapsRainfall TotalsAlertsArizona's Family InvestigatesContact Arizona's Family InvestigatesDirty DiningUnResolvedOn Your SideTrafficGas PricesSportsArizona DiamondbacksPhoenix SunsArizona CardinalsPhoenix MercuryPhoenix RisingSports NetworkHigh School SportsHigh School ScoresPodcastsBeyond The Green ScreenBeyond the Next ChapterHere Before, Here NowArizona's Family InvestigatesJaime's Local LoveUnResolvedFinding Robert FisherOn Your SidePolitics UnpluggedTrue Crime Arizona PodcastLori VallowThe Extra PointSpeak of the DevilsGood Morning ArizonaHappy Hour SpotsJaime's Local LoveSurprise SquadFinding ForeverSilver AppleSomething GoodField Trip FridayBandsSeen on TVYour Life ArizonaEntertainmentOriginal with YettaArizona Highways TVMovie ReviewsNewcomers GuideTravelTaste of ArizonaRecipesCommunityPool SafetySurprise SquadSilver Apple AwardSomething GoodIn the Community with Susan CasperFinding ForeverCommunity CalendarRequest an EmceeContestsAbout UsSubmit Photos and VideosNewsletterMeet the TeamMobile & Smart TV AppsContact UsCareersRequest an EmceeClosed Captioning/Audio DescriptionFCC Public Inspection FileProgramming ScheduleClosed Captioning/Audio DescriptionArizona’s Family SportsZeam - News StreamsCircle CountryGray DC BureauPowerNationInvestigateTVWatching Your WalletDigital MarketingAir Quality Alert is in effectDismiss Weather Alerts Alerts BarOn Your Side recovers $47K for viewers during JuneThe On Your Side team helped a lot of viewers recoup their money or get a refund during the month of June.By Gary HarperUpdated: Jun. 29, 2023 at 5:45 PM MSTEmail This LinkShare on FacebookShare on X (formerly Twitter)Share on PinterestShare on LinkedInPHOENIX (3TV/CBS 5) — Thanks to On Your Side, Frank Lamanna received a check for nearly $47,000. “That’s exactly what my wife and I thought. You know, this is a problem that Gary Harper and his team can handle and help us with,” Frank said. “And you guys definitely delivered.”Earlier this month, Frank explained how the rubber hose connected to his washing machine burst and flooded the Chandler condominium that he rents out. “It happened in the middle of the night and the water ran all night. And it pretty much touched every corner of the condo.”But Frank says the insurance company looking into his claim dragged their investigation out for 12 months, meaning Frank was unable to repair the damage or rent out the condo. After On Your Side got involved, Frank says things really moved fast and the insurance company mailed Frank a check for almost $45,000 to pay for the damage and to cover his year’s worth of lost rent. Frank says it all happened thanks to On Your Side. Frank told us, “We got a call from them the following day and then a check the following week. So we can’t thank you enough.”And that story led to one of the most-watched news reports on AZFamily’s social media platforms. On Your Side explained how easy it is to prevent your washing machine hoses from bursting and causing extensive damage. Heather Paul from State Farm Insurance told On Your Side that burst water hoses are a huge problem. “It could potentially expose your home to nearly 31,000 gallons of water over a weekend. So, that’s equivalent to having a 20 by 40-foot swimming pool of water in your home.” For easy and inexpensive ways to prevent flooding in your home, tap or click here.Finally, there’s Richard Custer. Just this week, On Your Side helped the Sun City man get nearly $1,000 back in his pocket.Richard remodels homes to rent out and got so busy renovating that he made a mistake paying his bills online. According to Richard, he meant to pay his Discover Card but mistakenly sent the money to EPCOR, his water company. After waiting three weeks for the utility company to return his money, On Your Side got involved and Richard immediately received his money — even though the water company claims Richard would have gotten it without On Your Side’s involvement. Richard disagrees. “Thanks to Gary Harper, I think it kind of shook them up a little and got them to get that check out a lot faster.”When you add up all the money On Your Side was able to recover for our viewers during the month of June, it comes to $46,772. And for the entire year, the grand total amounts to $294,149.If you have a problem you can’t resolve, maybe Gary Harper and his team can. Email Gary at GHarper@AZFamily.com.See a spelling or grammatical error in our story? Please click here to report it.Do you have a photo or video of a breaking news story? Send it to us here with a brief description.Copyright 2023 KTVK/KPHO. 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The Best Homeowners Insurance in Washington for 2023 - NerdWallet - ReportWire News Breaking News Bazaar News Fact Checking Government Politics US News Local News New York, New York Local News Los Angeles, California Local News Chicago, Illinois Local News Philadelphia, Pennsylvania Local News Dallas, Texas Local News Atlanta, Georgia Local News Houston, Texas Local News Washington DC Local News Boston, Massachusetts Local News San Francisco, California Local News Phoenix, Arizona Local News Seattle, Washington Local News Tampa Bay, Florida Local News Detroit, Michigan Local News Minneapolis, Minnesota Local News Denver, Colorado Local News Orlando, Florida Local News Miami, Florida Local News Cleveland, Ohio Local News Sacramento, California Local News Charlotte, North Carolina Local News Portland, Oregon Local News Raleigh-Durham, North Carolina Local News St. Louis, Missouri Local News Indianapolis, Indiana Local News Pittsburg, Pennsylvania Local News Nashville, Tennessee Local 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Shares Share 0 Tweet 0 Pin it 0 Up next Mets manager Buck Showalter ‘disappointed’ in team’s performance Published on 29 June 2023 Author ReportWire Share article The post has been shared by 0 people. Facebook 0 Twitter 0 Pinterest 0 Mail 0 The average cost of homeowners insurance in Washington is $1,215 per year, or about $101 per month, according to a NerdWallet analysis. That’s less than the national average of $1,820 per year. We’ve analyzed rates and companies across the state to find the best homeowners insurance in Washington. Our sample rates are for a homeowner with good credit and $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible. Your rates will be different. Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state. Why you can trust NerdWallet Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate inaccuracies in pricing data and may update rates for accuracy as new information becomes available. We include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing. Our sample homeowner had good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible. The best homeowners insurance in Washington If you’re looking to buy homeowners insurance from a well-rated national brand, consider one of these insurers from NerdWallet’s list of the Best Homeowners Insurance Companies. 5.0 NerdWallet rating  NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more. 5.0 NerdWallet rating  NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more. 5.0 NerdWallet rating  NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more. 4.5 NerdWallet rating  NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more. 4.5 NerdWallet rating  NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more. 5.0 NerdWallet rating  NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more. *USAA homeowners policies are available only to active military, veterans and their families. More about the best home insurance companies in Washington See more details about each company to help you decide which one is best for you. State Farm 5.0 NerdWallet rating  NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data. Well-established insurer with a lengthy list of coverage options. overview pros & cons why we picked it Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers. More than average DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers. Average set of discounts NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Fewer than expected User-friendly website. Agents offer personalized service. Policies generally include extra coverage for your home’s structure. Fewer discounts than some other insurers. Includes more generous dwelling coverage in standard policies than many other insurers do. State Farm 5.0 NerdWallet rating  NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data. Well-established insurer with a lengthy list of coverage options. overview pros & cons why we picked it Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers. More than average DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers. Average set of discounts NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Fewer than expected User-friendly website. Agents offer personalized service. Policies generally include extra coverage for your home’s structure. Fewer discounts than some other insurers. Includes more generous dwelling coverage in standard policies than many other insurers do. State Farm is a great choice for homeowners who like to work directly with a company representative, as the company sells policies through a wide network of agents. And its attention to customer service has paid off; the company has fewer customer complaints to state regulators than expected for a company of its size. State Farm offers a free Ting device as a perk for home insurance policyholders. Ting is a smart plug that monitors your home’s electrical network to help prevent fires. Farmers 5.0 NerdWallet rating  NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data. Those seeking benefits like diminishing deductibles and claims forgiveness may want to consider Farmers. overview pros & cons why we picked it Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers. More than average DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers. Average set of discounts NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Fewer than expected Several standard features can help save money. Less common coverage options are available. Discounts for nonsmokers and members of certain professions. Ranked near the bottom for customer satisfaction in J.D. Power’s 2022 U.S. Home Insurance Study. Farmers’ three tiers of home insurance coverage make its policies suitable for a variety of homeowners. Farmers 5.0 NerdWallet rating  NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data. Those seeking benefits like diminishing deductibles and claims forgiveness may want to consider Farmers. overview pros & cons why we picked it Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers. More than average DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers. Average set of discounts NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Fewer than expected Several standard features can help save money. Less common coverage options are available. Discounts for nonsmokers and members of certain professions. Ranked near the bottom for customer satisfaction in J.D. Power’s 2022 U.S. Home Insurance Study. Farmers’ three tiers of home insurance coverage make its policies suitable for a variety of homeowners. Homeowners policies from Farmers may include two valuable types of insurance: extended dwelling and replacement cost coverage. Extended dwelling coverage gives you extra insurance for the structure of your house, while replacement cost coverage offers higher reimbursement for stolen or destroyed belongings. Some Farmers policies also come with perks that can save you money. For example, with claim forgiveness, Farmers won’t raise your rate for a claim as long as you haven’t filed one within the past five years. Chubb 5.0 NerdWallet rating  NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data. Perks and high coverage limits for affluent homeowners. overview pros & cons why we picked it Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers. About average DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers. Great set of discounts NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Far fewer than expected Significantly fewer consumer complaints than expected for a company of its size. Standard coverage includes features that many companies only offer as extras. Large number of discounts. Tends to be more expensive than other insurers. Most consumers aren’t able to get a quote online and will instead need to contact a local agent. Chubb’s Masterpiece homeowners insurance policy provides top-of-the-line coverage options for well-to-do homeowners. Chubb 5.0 NerdWallet rating  NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data. Perks and high coverage limits for affluent homeowners. overview pros & cons why we picked it Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers. About average DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers. Great set of discounts NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Far fewer than expected Significantly fewer consumer complaints than expected for a company of its size. Standard coverage includes features that many companies only offer as extras. Large number of discounts. Tends to be more expensive than other insurers. Most consumers aren’t able to get a quote online and will instead need to contact a local agent. Chubb’s Masterpiece homeowners insurance policy provides top-of-the-line coverage options for well-to-do homeowners. Chubb caters to high-value homes and draws far fewer consumer complaints than expected for a company of its size, according to the National Association of Insurance Commissioners. Its home insurance policies come with some great perks, including extended replacement cost in case it costs more than your dwelling limit to rebuild your home after a disaster. Chubb policyholders may also be able to take advantage of the company’s HomeScan service, which uses infrared cameras to look for problems behind the walls of your home. Nationwide 4.5 NerdWallet rating  NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data. For shoppers seeking a broad range of coverage options, Nationwide may fit the bill. overview pros & cons why we picked it Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers. More than average DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers. Great set of discounts NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Close to expected Offers some coverage standard that other companies charge extra for. Lots of discounts available. Website offers lots of useful features and information. Doesn’t insure mobile or manufactured homes. Nationwide’s policies are widely available across the country and offer a variety of useful coverage choices. The company also has a robust list of discounts to help you save on your policy. Nationwide 4.5 NerdWallet rating  NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data. For shoppers seeking a broad range of coverage options, Nationwide may fit the bill. overview pros & cons why we picked it Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers. More than average DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers. Great set of discounts NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Close to expected Offers some coverage standard that other companies charge extra for. Lots of discounts available. Website offers lots of useful features and information. Doesn’t insure mobile or manufactured homes. Nationwide’s policies are widely available across the country and offer a variety of useful coverage choices. The company also has a robust list of discounts to help you save on your policy. We like Nationwide for its wide variety of coverage options. For example, its standard homeowners insurance policy generally includes ordinance or law coverage, which can help pay to bring your home up to current building codes after a covered claim. You can add other coverage for things like identity theft and damage from backed-up sewers and drains. Depending on how much personal assistance you need, you can get a quote for homeowners insurance on the Nationwide website or work with a local agent instead. You can also use the website to pay bills, file claims or check claim status. Country Financial 4.5 NerdWallet rating  NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data. Best for those who prefer to have a personal conversation with an agent when choosing coverage. overview pros & cons why we picked it Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers. More than average DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers. Great set of discounts NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Far fewer than expected Far fewer complaints than expected for a company of its size. Many discounts and coverage options available. Can get an online quote but must finish the purchase over the phone. Offers solid coverage with useful add-ons and many ways to save. Country Financial 4.5 NerdWallet rating  NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data. Best for those who prefer to have a personal conversation with an agent when choosing coverage. overview pros & cons why we picked it Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers. More than average DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers. Great set of discounts NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Far fewer than expected Far fewer complaints than expected for a company of its size. Many discounts and coverage options available. Can get an online quote but must finish the purchase over the phone. Offers solid coverage with useful add-ons and many ways to save. Country Financial has three different levels of homeowners coverage to help you choose the package that’s best for you. You also have the option to add extra coverage for the structure of your home, in case inflation drives up the cost of rebuilding more than you expect. Country Financial sells homeowners insurance through local representatives. The company has drawn far fewer complaints than expected to state regulators. USAA 5.0 NerdWallet rating  NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data. Offers perks for the military community. overview pros & cons why we picked it Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers. Below average DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers. Average set of discounts NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Far fewer than expected Policies include standard coverage that often costs extra elsewhere. Far fewer customer complaints to state regulators than expected for a company of its size. Available only to active military members, veterans and their families. Generous coverage and features for the military community. USAA 5.0 NerdWallet rating  NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data. Offers perks for the military community. overview pros & cons why we picked it Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers. Below average DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers. Average set of discounts NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Far fewer than expected Policies include standard coverage that often costs extra elsewhere. Far fewer customer complaints to state regulators than expected for a company of its size. Available only to active military members, veterans and their families. Generous coverage and features for the military community. USAA sells homeowners insurance to veterans, active military and their families. If you fall into one of those groups, you might want to look into USAA’s offerings. The company’s homeowners policies include some unique perks such as deductible-free coverage for military uniforms and coverage for identity theft. Homeowners in Washington can take part in the company’s Connected Home program, which gives you a discount on your policy if you buy and install approved smart-home devices. These include water leak sensors, cameras and thermostats. How much does homeowners insurance cost in Washington? The average annual cost of home insurance in Washington is $1,215. That’s 33% less than the national average of $1,820. In most U.S. states, including Washington, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score. In Washington, those with poor credit pay an average of $1,390 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 14% more than those with good credit. Average cost of homeowners insurance in Washington by city How much you pay for homeowners insurance in Washington depends on where you live. For instance, the average cost of home insurance in Seattle is $1,165 per year, while homeowners in Yakima pay $1,305 per year, on average. The cheapest home insurance in Washington Here are the insurers we found with average annual rates below the Washington average of $1,215. 4.0 NerdWallet rating  NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more. Grange Insurance Association 4.5 NerdWallet rating  NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more. 5.0 NerdWallet rating  NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more. 3.5 NerdWallet rating  NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more. 5.0 NerdWallet rating  NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more. What to know about Washington homeowners insurance Washington homeowners have a few risks to consider when shopping for home insurance, including earthquakes, wildfires, flooding and winter weather. Earthquakes and landslides Washington state is particularly prone to earthquakes as part of the Pacific Ring of Fire. Standard homeowners insurance doesn’t cover earthquakes or other earth movements like landslides or mudslides, so you may want to look into separate earthquake insurance or an earthquake endorsement. When purchasing earthquake insurance, pay attention to the deductibles so you know the potential out-of-pocket costs. Your earthquake insurance often has a separate deductible, which can be around 10% to 25% of the coverage on your policy. For example, if you have a 20% deductible on $200,000 of coverage, you would need to pay a $40,000 deductible for earthquake damage before your insurance kicks in. Wildfires Wildfires are a potential risk in Washington state, especially in dry seasons. Your homeowners insurance will typically cover damage from fires. Always review your policy for exceptions and to ensure you have enough coverage in case of a total loss related to wildfire. Pay particular attention to your dwelling coverage limit. This is the amount the insurance company will pay to rebuild your house. A significant fire can destroy your whole home, so talk with your insurer to make sure you have enough coverage to rebuild if necessary. Flooding Washingtonians who live near rivers, lakes or coastal areas may be at risk of flooding. Standard homeowners insurance policies typically do not cover flood damage. As a result, homeowners in flood-prone areas may need to purchase separate flood insurance to protect their property from water damage. To find out if you’re at risk, check out the Federal Emergency Management Agency’s flood maps or visit RiskFactor.com, a website from the nonprofit First Street Foundation. Even if your property is deemed low risk, it may be worthwhile to purchase flood insurance for extra peace of mind. Keep in mind that while you can purchase flood coverage anytime, there’s typically a 30-day waiting period before the insurance takes effect. Here’s more information about flood insurance and waiting periods. Winter weather Heavy snowfall, winter storms, and freezing temperatures can cause damage from fallen trees, the weight of ice or snow, or burst pipes, among others. Your standard homeowners policy will cover most damage from winter weather, but carefully review the coverage in your policy, as there may be exclusions. Be sure to take appropriate precautions to limit the risk of damage, as damage due to negligence may not be covered. For example, homeowners should keep their home temperature above 60 degrees and ensure water sources are drained or insulated to avoid the risk of flooding due to burst pipes. Washington insurance department The Consumer Advocacy group can also help with your other insurance-related questions by live chat from 8 a.m. to 5 p.m. on Monday through Friday, by email or by phone at 800-562-6900. Looking for more insurance in Washington? Amanda Shapland contributed to this story. Frequently asked questions Is homeowners insurance required in Washington? Homeowners insurance is not legally required in Washington state, but your mortgage lender may require you to buy it. Does Washington homeowners insurance cover wildfire? Homeowners insurance in Washington covers fires from most causes, including wildfires. How can I save money on home insurance in Washington? There are several ways to save money on homeowners insurance in Washington: Shop around to make sure you’re getting the best rate. Choose a higher deductible. In case of any claims, you’ll pay more out of pocket, but your premiums will be lower. Is homeowners insurance required in Washington? Homeowners insurance is not legally required in Washington state, but your mortgage lender may require you to buy it. Does Washington homeowners insurance cover wildfire? Homeowners insurance in Washington covers fires from most causes, including wildfires. How can I save money on home insurance in Washington? There are several ways to save money on homeowners insurance in Washington: Shop around to make sure you’re getting the best rate. Choose a higher deductible. In case of any claims, you’ll pay more out of pocket, but your premiums will be lower. Bundle your home and auto insurance for a lower overall rate. See the best home and auto insurance bundles . 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tax issuesFederal income tax calculatorView all taxesTax credits and deductionsTax formsTax software and productsTax preparation basicsNerdWallet tax filingView all tax preparation and filing InsuranceInsuranceThe Best Home Insurance in Washington for 2024Advertiser disclosureYou’re our first priority.Every time.We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners.The Best Home Insurance in Washington for 2024Nationwide and State Farm are among the best home insurance companies in Washington.Updated May 31, 2024Written by Sarah SchlichterLead WriterSarah SchlichterLead Writer | Home insurance, renters insurance, pet insuranceSarah Schlichter is a NerdWallet authority on homeowners, renters and pet insurance. Prior to joining NerdWallet, she spent more than 15 years in digital media as a writer, editor and spokesperson. Sarah enjoys delving into complicated topics and helping readers understand the ins and outs of their insurance coverage. She lives in the Washington, D.C., metro area. Learn More+ more Edited by Caitlin ConstantineAssigning Editor  Caitlin ConstantineAssigning Editor | Home insurance, renters insurance, pet insuranceCaitlin Constantine is an assigning editor at NerdWallet, focusing on homeowners, renters and pet insurance. She has more than 15 years of experience in digital media, including as the deputy managing editor at The Penny Hoarder and as a digital producer for a 24/7 news station based in the Tampa Bay area. Caitlin enjoys exploring the ways technology can help people become better informed about the world. She currently lives outside Asheville, North Carolina. Learn MoreFact Checked+ more Co-written by Kayda NormanLead WriterKayda NormanLead Writer | Auto insuranceKayda Norman is a NerdWallet authority on auto insurance. She previously worked in communications at The Walt Disney Co. and as a web producer and writer at several health and fitness publications, including Health magazine. Her work has been featured in The New York Times, The Washington Post and USA Today. Learn More+ more Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.Follow the writersYou’re following Sarah Schlichter and Kayda NormanVisit your My NerdWallet Settings page to see all the writers you're following.MORE LIKE THISInsuranceHomeowners InsuranceThe average cost of homeowners insurance in Washington is $1,225 per year, or about $102 per month, according to a NerdWallet analysis. For comparison, the national average is $1,915 per year.NerdWallet analyzed data from numerous insurance companies to help you find the best home insurance in Washington in the following categories:Best for affordability: Nationwide.Best for coverage: State Farm.Best for consumer experience: American Family and Nationwide.The rates in our analysis are estimates based on many factors, so your rate may differ.Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.What’s new in Washington?Effective June 1, 2024, home insurers in Washington are required to be more transparent about why they’re raising your premium. Under the new law, you’ll be able to request an explanation for why your rate went up, and the company will have to respond within 20 days.Why you can trust NerdWalletOur writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate inaccuracies in pricing data and may update rates for accuracy as new information becomes available.We include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.Our sample homeowner had good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.Get home insurance quotes in minutesAnswer a few questions to see custom quotes and find the right policy for you.Get StartedBest affordable homeowners insurance in Washington: NationwideNationwide4.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.Compare My Ratesoverviewpros & conswhy we picked itCoverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.About averageDiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.Great set of discountsNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Close to expectedProsOffers some coverage standard that other companies charge extra for.Many discounts available.Website offers lots of useful features and information.ConsDoesn't insure mobile or manufactured homes.Many useful coverage choices and ways to save on your policy.Compare My RatesNationwide4.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.overviewpros & conswhy we picked itCoverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.About averageDiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.Great set of discountsNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Close to expectedProsOffers some coverage standard that other companies charge extra for.Many discounts available.Website offers lots of useful features and information.ConsDoesn't insure mobile or manufactured homes.Many useful coverage choices and ways to save on your policy.In Washington, the average annual premium for Nationwide is $955, which is well below the state average of $1,225.We like Nationwide for its wide variety of coverage options. For example, its standard homeowners insurance policy generally includes ordinance or law coverage, which can help pay to bring your home up to current building codes after a covered claim. You can add other coverage for things like identity theft and damage from backed-up sewers and drains.Depending on how much personal assistance you need, you can get a quote for homeowners insurance on the Nationwide website or work with a local agent instead. You can also use the website to pay bills, file claims or check claim status.Learn more with our Nationwide homeowners insurance review.Best homeowners insurance in Washington for coverage: State FarmState Farm4.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Well-established insurer with a lengthy list of coverage options.Compare My Ratesoverviewpros & conswhy we picked itCoverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.More than averageDiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.Average set of discountsNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedProsUser-friendly website.Agents offer personalized service.Policies generally include extra coverage for your home’s structure.ConsFewer discounts than some other insurers.Includes more generous dwelling coverage in standard policies than many other insurers do.Compare My RatesState Farm4.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Well-established insurer with a lengthy list of coverage options.overviewpros & conswhy we picked itCoverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.More than averageDiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.Average set of discountsNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedProsUser-friendly website.Agents offer personalized service.Policies generally include extra coverage for your home’s structure.ConsFewer discounts than some other insurers.Includes more generous dwelling coverage in standard policies than many other insurers do.As America’s largest insurer, State Farm stands out for its long list of coverage options. Its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home after a covered disaster. You may also be able to add coverage for things like identity theft, damage from backed-up drains and personal injury liability.State Farm offers a free Ting device as a perk for home insurance policyholders. Ting is a smart plug that monitors your home’s electrical network to help prevent fires.Learn more with our State Farm homeowners insurance review.Best homeowners insurance in Washington for consumer experience: American Family and NationwideAmerican Family4.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Customizable coverage and discounts for smart-home devices.Compare My Ratesoverviewpros & conswhy we picked itCoverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.About averageDiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.Great set of discountsNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedProsVariety of coverage options.Discounts available for qualifying smart-home devices.Fewer consumer complaints than expected for a company of its size.ConsMay restrict liability coverage for certain dog breeds.Few consumer complaints, various coverage options and discounts for smart-home devices.Compare My RatesAmerican Family4.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Customizable coverage and discounts for smart-home devices.overviewpros & conswhy we picked itCoverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.About averageDiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.Great set of discountsNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedProsVariety of coverage options.Discounts available for qualifying smart-home devices.Fewer consumer complaints than expected for a company of its size.ConsMay restrict liability coverage for certain dog breeds.Few consumer complaints, various coverage options and discounts for smart-home devices.American Family receives fewer consumer complaints than expected for a company of its size. Its user-friendly website offers features such as bill payments, claim reporting, online quotes and general insurance information.Homeowners may be able to save on their premiums by installing smart-home devices, bundling multiple policies or setting up automatic payments.Get more information in our American Family homeowners insurance review.Nationwide offers a robust consumer experience for its customers, including a website that makes it easy to manage policies, file and track claims, and set up automatic billing. It also has a highly rated app for Android and iOS that allows customers to file and track claims, review policy documents and set up autopsy.Learn more with our Nationwide homeowners insurance review.Full list of the best homeowners insurance in WashingtonNerdWallet analyzed home insurance companies across the state to find the best home insurance in Washington. Here are all of the insurers that received a NerdWallet star rating of 4.5 or higher:CompanyNerdWallet star ratingAverage annual rateAmica5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.Not availableChubb5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.Not availableCountry Financial5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.$3,180American Family4.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.Not availableCincinnati Insurance4.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.Not availableNationwide4.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.$955State Farm4.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.$1,375Travelers4.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.$1,095USAA*5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.$1,775*USAA homeowners policies are available only to active military, veterans and their families.» MORE: The best home insurance companiesHow much does homeowners insurance cost in Washington?The average annual cost of home insurance in Washington is $1,225. That's 36% less than the national average of $1,915.In most U.S. states, including Washington, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score. In Washington, those with poor credit pay an average of $1,495 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 22% more than those with good credit.» MORE: Does your credit score affect home insurance rates?Average cost of homeowners insurance in Washington by cityHow much you pay for homeowners insurance in Washington depends on where you live. For instance, the average cost of home insurance in Seattle is $1,185 per year, while homeowners in Yakima pay $1,460 per year, on average.CityAverage annual rateAverage monthly rateAuburn$1,310$109Bellevue$1,205$100Bellingham$1,160$97Bothell$1,260$105Bremerton$1,265$105Everett$1,290$108Federal Way$1,295$108Kennewick$1,365$114Kent$1,295$108Kirkland$1,210$101Lakewood$1,225$102Lynnwood$1,130$94Marysville$1,220$102Olympia$1,120$93Pasco$1,390$116Port Orchard$1,125$94Puyallup$1,380$115Redmond$1,205$100Renton$1,265$105Seattle$1,185$99Snohomish$1,220$102Spokane$1,270$106Tacoma$1,370$114Vancouver$1,200$100Yakima$1,460$122» MORE: What’s the average cost of homeowners insurance?The cheapest home insurance in WashingtonHere are the insurers we found with average annual rates below the Washington average of $1,225.CompanyNerdWallet star ratingAverage annual rateGrange Insurance AssociationNot rated$835Nationwide4.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.$955PemcoNot rated$1,040Travelers4.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.$1,095Mutual of Enumclaw4.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.$1,135CIGNot rated$1,205» MORE: The cheapest homeowners insuranceWhat to know about Washington homeowners insuranceYou may face certain risks when living in Washington. Here are a few of the most common, along with steps you can take to insure your home properly against them.Earthquakes and landslidesStandard homeowners insurance doesn’t cover earthquakes or other earth movements like landslides or mudslides, so you may want to look into separate earthquake insurance or an earthquake endorsement. Be aware that earthquake insurance often has a separate deductible, which can be around 10% to 25% of the coverage on your policy. For example, if you have a 20% deductible on $200,000 of coverage, you would need to pay a $40,000 deductible for earthquake damage before your insurance kicks in.WildfiresYour homeowners insurance will typically cover damage from fires. Always review your policy for exceptions and to ensure you have enough coverage in case of a total loss related to wildfire. Pay particular attention to your dwelling coverage limit. This is the amount the insurance company will pay to rebuild your house. A significant fire can destroy your whole home, so talk with your insurer to make sure you have enough coverage to rebuild if necessary. Learn more about wildfire insurance.FloodingStandard homeowners insurance policies typically do not cover flood damage. As a result, homeowners in flood-prone areas may need to purchase separate flood insurance to protect their property from water damage.To find out if you’re at risk, check out the Federal Emergency Management Agency's flood maps or visit RiskFactor.com, a website from the nonprofit First Street Foundation. Even if your property is deemed low risk, it may be worthwhile to purchase flood insurance for extra peace of mind.Keep in mind that while you can purchase flood coverage anytime, there’s typically a 30-day waiting period before the insurance takes effect. Here’s more information about flood insurance and waiting periods.» MORE: Why you might want flood insurance — even if it’s not requiredWinter weatherYour standard homeowners policy will cover most damage from winter weather, but carefully review the coverage in your policy, as there may be exclusions.Be sure to take appropriate precautions to limit the risk of damage, as damage due to negligence may not be covered. For example, homeowners should keep their home temperature above 60 degrees and ensure water sources are drained or insulated to avoid the risk of flooding due to burst pipes.» MORE: Home insurance calculator: Estimate your rateWashington insurance departmentThe Office of the Insurance Commissioner in Washington state oversees the state’s insurance industry and provides helpful resources about insurance. If you’re having an issue with your insurance provider, you can file a complaint using its online form or by mail. The Consumer Advocacy group can also help with your other insurance-related questions by live chat from 8 a.m. to 5 p.m. on Monday through Friday, by email or by phone at 800-562-6900.Looking for more insurance in Washington?Cheapest car insurance in Washington.Cheapest car insurance in Seattle.Find home insurance in other statesAlabama home insuranceAlaska home insuranceArizona home insuranceArkansas home insuranceCalifornia home insuranceColorado home insuranceConnecticut home insuranceDelaware home insuranceFlorida home insuranceGeorgia home insuranceHawaii home insuranceIdaho home insuranceIllinois home insuranceIndiana home insuranceIowa home insuranceKansas home insuranceKentucky home insuranceLouisiana home insuranceMaine home insuranceMaryland home insuranceMassachusetts home insuranceMichigan home insuranceMinnesota home insuranceMississippi home insuranceMissouri home insuranceMontana home insuranceNebraska home insuranceNevada home insuranceNew Hampshire home insuranceNew Jersey home insuranceNew Mexico home insuranceNew York home insuranceNorth Carolina home insuranceNorth Dakota home insuranceOhio home insuranceOklahoma home insuranceOregon home insurancePennsylvania home insuranceRhode Island home insuranceSouth Carolina home insuranceSouth Dakota home insuranceTennessee home insuranceTexas home insuranceUtah home insuranceVermont home insuranceVirginia home insuranceWashington home insuranceWashington, D.C. home insuranceWest Virginia home insuranceWisconsin home insuranceWyoming home insuranceAmanda Shapland contributed to this story.Frequently asked questionsIs homeowners insurance required in Washington?Homeowners insurance is not legally required in Washington state, but your mortgage lender may require you to buy it. For more information, read Is Homeowners Insurance Required?Does Washington homeowners insurance cover wildfire?Homeowners insurance in Washington covers fires from most causes, including wildfires.How can I save money on home insurance in Washington?There are several ways to save money on homeowners insurance in Washington:Shop around to make sure you’re getting the best rate.Choose a higher deductible. In case of any claims, you’ll pay more out of pocket, but your premiums will be lower.Bundle your home and auto insurance for a lower overall rate. See the best home and auto insurance bundles.Ask your insurer if you qualify for any home insurance discounts.Is homeowners insurance required in Washington?Homeowners insurance is not legally required in Washington state, but your mortgage lender may require you to buy it. For more information, read Is Homeowners Insurance Required?Does Washington homeowners insurance cover wildfire?Homeowners insurance in Washington covers fires from most causes, including wildfires.How can I save money on home insurance in Washington?There are several ways to save money on homeowners insurance in Washington:Shop around to make sure you’re getting the best rate.Choose a higher deductible. In case of any claims, you’ll pay more out of pocket, but your premiums will be lower.Bundle your home and auto insurance for a lower overall rate. See the best home and auto insurance bundles.Ask your insurer if you qualify for any home insurance discounts.About the authorsSarah SchlichterFollowYou’re following Sarah SchlichterVisit your My NerdWallet Settings page to see all the writers you're following.newFollow for more nerdy know-howKeep up with your favorite financial topics on NerdWallet.Sarah is a NerdWallet authority on homeowners, renters and pet insurance. Her work has appeared in numerous outlets, including The Associated Press, MarketWatch and The Washington Post. Read moreKayda NormanFollowYou’re following Kayda NormanVisit your My NerdWallet Settings page to see all the writers you're following.Kayda Norman is a NerdWallet authority on auto insurance. She previously worked in communications at The Walt Disney Co. and as a web producer and writer at several health and fitness publications, including Health magazine. Her work has been featured in The New York Times, The Washington Post and USA Today. Read moreMethodologyNerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in every ZIP code across the state. All rates are rounded to the nearest $5.Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:$300,000 in dwelling coverage.$30,000 in other structures coverage.$150,000 in personal property coverage.$60,000 in loss of use coverage.$300,000 in liability coverage.$1,000 in medical payments coverage.We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.We changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.These are sample rates generated through Quadrant Information Services. Your own rates will be different.Star rating methodologyNerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full homeowners insurance rating methodology.Complaint methodologyNerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2020-2022. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.On a similar note...Free homeowners insurance comparisonCompare top home insurance companies.Get started 9 Ways to Lower Homeowners Insurance RatesHome Insurance Calculator: Estimate Your CostsHow Much Home Insurance Do You Need?What Is Homeowners Insurance?Dive even deeper in Insurance6 Best Homeowners Insurance Companies of August 2024by Sarah SchlichterChubb, NJM and Country Financial earned the highest ratings in NerdWallet's analysis.Read moreThe Average Home Insurance Cost in the U.S. for 2024by Sarah SchlichterThe average cost of homeowners insurance in the U.S. is about $1,915 a year for $300,000 worth of dwelling coverage, but rates vary by state.Read moreThe Cheapest Home Insurance for 2024by Sarah SchlichterAmong large insurers, Progressive has the cheapest annual home insurance on average at $1,815, according to NerdWallet's analysis.Read moreExplore InsuranceGet more smart money moves – straight to your inboxSign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.Sign up NerdWallet Home PageFinance SmarterBankingCheckingSavingsPrepaid Debit CardsMoney TransferCDsBanking NewsCredit CardsCredit Card BasicsStudent Credit CardsCash Back Credit CardsAirline Credit CardsLow Interest and No Fee Credit CardsFinancial PlanningPaying off debtCollege SavingsMaking MoneyCredit ScoreFinancial NewsInsuranceAuto InsuranceHomeowners InsuranceLife InsuranceMedicareRenters InsurancePet InsuranceInvestingRetirement PlanningRoth IRAEstate PlanningBrokers401kLoansAuto LoansStudent LoansMortgagesMortgage RatesMortgage ProcessHomeownershipHomeownership CostsSelling Your HomeHome AffordabilityProperty TaxesSmall BusinessRunning Your BusinessSmall-Business LoansBusiness Credit CardsSmall-Business TaxesStarting a BusinessTaxesIncome TaxesInvestment TaxesPersonal TaxesTravelVacations & Trip PlanningReward OptimizationsRental CarsTravel InsuranceBankingExplore BankingCheckingSavingsPrepaid Debit CardsMoney TransferCDsBanking NewsCredit CardsExplore Credit CardsCredit Card BasicsStudent Credit CardsCash Back Credit CardsAirline Credit CardsLow Interest and No Fee Credit CardsFinancial PlanningExplore Financial PlanningPaying off debtCollege SavingsMaking MoneyCredit ScoreFinancial NewsExplore Financial NewsInsuranceExplore InsuranceAuto InsuranceHomeowners InsuranceLife InsuranceMedicareRenters InsurancePet InsuranceInvestingExplore InvestingRetirement PlanningRoth IRAEstate PlanningBrokers401kLoansExplore LoansAuto LoansStudent LoansMortgagesExplore MortgagesMortgage RatesMortgage ProcessHomeownershipHomeownership CostsSelling Your HomeHome AffordabilityProperty TaxesSmall BusinessExplore Small BusinessRunning Your BusinessSmall-Business LoansBusiness Credit CardsSmall-Business TaxesStarting a BusinessTaxesExplore TaxesIncome TaxesInvestment TaxesPersonal TaxesTravelExplore TravelVacations & Trip PlanningReward OptimizationsRental CarsTravel InsuranceaboutCompanyLeadershipCareersCorporate impactDiversity & InclusionEditorial guidelinesStar rating methodologiesEditorial teamNewsPress kitInvestorshelpHelp centerSupport teamCommunitySecurity FAQslegalTerms of useSupplier Code of ConductPrivacy policyCalifornia privacy policyPrivacy preferencesDo not sell or share my personal informationLearn more about the appDownload the appDisclaimer: NerdWallet strives to keep its information accurate and up to date. 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What wet winter? 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About our ads Advertising Careers Yahoo News Search query Select edition USEnglish US y LATAMEspañol AustraliaEnglish CanadaEnglish CanadaFrançais DeutschlandDeutsch FranceFrançais 香港繁中 MalaysiaEnglish New ZealandEnglish SingaporeEnglish 台灣繁中 UKEnglish News Finance Sports More News Today's news US Politics World Weather Climate change Health Science 2024 election Originals Newsletters Life Health Parenting Style and beauty Horoscopes Shopping Food Travel Autos Gift ideas Buying guides Entertainment Celebrity TV Movies Music How to watch Interviews Videos Shopping Finance My portfolio Watchlists Markets News Videos Screeners Personal finance Crypto Industries Sports Fantasy NFL NBA MLB NHL College football College basketball Soccer MMA Yahoo Sports AM New on Yahoo Games Tech Selected edition USEnglish Mail Sign in AdvertisementClose this contentRead full articleLA TimesWhat wet winter? California prepares for peak wildfire seasonHayley SmithJune 30, 2023 at 5:37 AM·5 min read1Link CopiedFire crews cut a fire line in thick brush in the burn zone of the Fairview fire, near Hemet, in September 2022. (Luis Sinco/Los Angeles Times)As California faces its first major heat wave of the summer this Fourth of July weekend, state officials are urging residents to not become complacent about the threat of wildfires this year.Standing beneath the blistering sun at the Grass Valley Air Attack Base in Nevada County, California Department of Forestry and Fire Protection chief Joe Tyler outlined the state's plans to battle blazes this year with new tools and technology, as well as increased vegetation management efforts.He cautioned that while the wet start to 2023 may have delayed the start of fire season, it has not deterred it."The abundant rain has produced tall grass and other vegetation that's dried out already and is ready to burn," Tyler said. Additionally, portions of the state are expected to soar into the triple digits this weekend, including up to 110 degrees in the Sacramento Valley.Read more: Triple-digit heat wave set to sizzle California, stoking fire fears this holiday weekendTyler likened this year's conditions to 2017, which started similarly wet but later saw dry vegetation and strong wind events that spurred major fires. More than 1.5 million acres burned that year, he said, killing 47 people and destroying 11,000 structures.This year, there have already been a number of small wildfires, including a fire in Riverside County on Tuesday that grew to 55 acres and burned at least two structures.The week prior, Cal Fire responded to more than 300 blazes statewide, Tyler said. The agency is currently fully staffed with fire engines, bulldozers and aircraft ready to respond at the first sign of sparks."As the Fourth of July is quickly approaching us, I'm asking each of you to be mindful of how quickly a fire can have devastating consequences," Tyler said.He was joined by Gov. Gavin Newsom, who acknowledged that vegetation management plays a key role in reducing the state's wildfires, which are getting hotter, faster and more frequent. But Newsom also said climate change — including worsening whiplash between extreme weather conditions — has accelerated the need for advanced firefighting response."In the last four years, we had two of the most extreme wildfires seasons — some of the most destructive in terms of acreage and property and lives lost — and then two of the more modest fire seasons," Newsom said. "And so we live in this new reality where we can't necessarily attach ourselves to some of the more predictive models of the past because of the nature of a world that's getting a lot hotter, a lot drier, and a lot more uncertain as it relates to the issue of climate change."Read more: Wildfire burn areas in California are growing ever larger due to greenhouse gas emissionsIndeed, recent research found that California wildfires consumed five times more area between 1996 and 2021 than in the 25 years prior, an increase chiefly attributed to climate change. Thirteen of the state's 20 largest fires on record have burned in the last decade, according to Cal Fire.Newsom and other officials outlined a war-like strategy for responding to the worsening threat.Among the state's latest tools is the Fire Integrated Real Time Intelligence System, or FIRIS, which includes advanced aircraft than can deliver real-time updates on fire behavior to crews on the ground.For the second year in a row, the state will also deploy "Fire Hawks," or modified Black Hawk helicopters that can fight fires at night. At least three Fire Hawks will be staffed 24 hours a day."It has been a game-changer," said Benjamin Berman, chief pilot of Cal Fire's helicopter program. The Fire Hawks "can seamlessly transition from fire suppression to hoist-air rescue to vegetation management without any further configuration."What's more, the state's firefighting portfolio now has about 1,000 mountaintop cameras that can provide real-time, 360-degree monitoring of the state's forestlands; pinpoint firestarts using artificial intelligence; and help organize resources for early suppression, Newsom said. Just a few years ago, such monitoring had to be conducted by people in towers.The state is also working with the Biden administration, the Environmental Defense Fund and Lockheed Martin to streamline its use of existing defense technologies and satellites to provide constant monitoring and data collection. Similar tools have allowed the state to create 3-D model maps of 30 million acres of California."I don't think that point is made enough of how we are modernizing our approach and how we're meeting, dare I say, the moment," Newsom said, "addressing the nature of the change, and the extremes that we're now challenged with in this state."Many of the state's most advanced firefighting efforts have been funded through federal and state investments, including $2.7 billion from the Legislature, he said.Read more: State Farm's California freeze: Looming insurance apocalypse or political ploy? But while significant preparations are underway, the reality of California's worsening fires is already playing out for many Californians.Earlier this year, insurance giants State Farm and Allstate both announced that they would stop writing new policies in the state, citing worsening wildfires and other catastrophes.Newsom said he is working with the insurance commissioner to address the market in the state, and hoped that new liability insurance grants would help accelerate vegetation management projects to reduce the risk of fire.The grants will provide protections for practitioners of controlled burns, or intentional fires used to eliminate dry vegetation and other fuels. (California has set a goal of 400,000 acres of controlled burns per year by 2025).However, the governor noted that only about 3% of wild lands in California are owned by the state, with the majority belonging to private owners and the federal government. He and other officials asked that residents do their part by creating a minimum of 100 feet of defensible space clearance around their homes and structures to help prevent a blaze from catching."Yes, we have the best mutual aid system in the world, but it's also about mutual responsibility, and the state cannot do all of that alone," he said.This story originally appeared in Los Angeles Times. 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State Farm Faces Class Action Lawsuit Over Alleged Underpayment of Totaled Vehicles - USA Herald U.S. News America Business Investigates Public Corruption International Opinion Contact Us Search 86.3 F New York Monday, July 15, 2024 About Contact USA Herald U.S. News America Business Investigates Public Corruption International Opinion Contact Us xnxx japon porno sex izle sekreter porno xnxx tecavüz porno sikiş porno indir bakire porno genç porno grup porno rus pornosu xhamster Home America State Farm Faces Class Action Lawsuit Over Alleged Underpayment of Totaled Vehicles AmericaAnd MoreArizonaBrand StoriesCalifornia NewsExpert AdviceFloridaFlorida NewsHigh Profile Court CasesIndustry NewsInvestigatesLegal IndustryNew York NewsOpinionPennsylvaniaPremiumScam AlertTallahasseeThe People's VoiceU.S. NewsUSA Herald State Farm Faces Class Action Lawsuit Over Alleged Underpayment of Totaled Vehicles By Samuel Lopez - June 29, 2023 2978 SHARE State Farm, one of the largest insurance companies in the United States, is facing a class action lawsuit over allegations that it has undervalued totaled vehicles in an attempt to reduce payouts to drivers. Imagine having your beloved car wrecked, only to receive compensation that falls significantly short of its fair market value. That’s exactly what drivers are claiming State Farm has been doing. According to the class action lawsuit, State Farm has been engaging in systematic bad faith conduct by undervaluing vehicles that are deemed totaled, leaving policyholders in financial distress.Systematic Bad Faith Conduct UnveiledThis isn’t the first time State Farm has come under fire for its business practices. Remember when they decided to halt sales of new policies in wildfire-prone areas? Read more here. Well, now the spotlight is on their alleged deceptive tactics involving undervalued vehicles. The class action lawsuit against State Farm sheds light on the company’s questionable conduct and raises important questions about transparency and fairness within the insurance industry.The Case of Williams et al. v. State Farm Mutual Automobile Insurance CompanyTo truly understand the impact of State Farm’s alleged deceptive practices, let’s take a look at one real-life example. In Williams et al. v. State Farm Mutual Automobile Insurance Company, the court examined an appraisal clause in an insurance contract between policyholders and State Farm. While different states have varying preferences for dispute resolution, the court found no conflict between the laws of Illinois, where State Farm is based, and any other home states involved in the case. This case exposes the inner workings of the insurance industry and reveals the need for further investigation. The case is Williams et al. v. State Farm Mutual Automobile Insurance Company, case number 22 C 1422, in the U.S. District Court for the Northern District of Illinois, Eastern Division. The class is represented by esteemed counsel, Chris Gold and Scott Edelsberg of Edelsberg Law, Christopher L Ayers and Scott A. George of Seeger Weiss LLP and Andrew Shamis of Shamis & Gentile PA. State Farm Mutual Automobile Insurance Company is represented by Joseph P. Carlasare of Amundsen Davis LLC and by Eric L Robertson and Peter W. Herzog III of Wheeler Trigg O’Donnell LLP. How to Join the Class Action LawsuitIf you’re a State Farm policyholder who feels like they’ve been on the receiving end of this undervaluation scheme, there’s hope. You may be eligible to join the ongoing class action lawsuit. By participating, you can assert your rights and play a crucial role in holding State Farm accountable for their alleged deceptive practices. Make sure to meet the eligibility criteria and follow the designated procedures to join the fight for justice.Seeking Accountability: Hold State Farm Responsible for Alleged Deceptive PracticesTransparency and fairness should be the pillars of the insurance industry. Policyholders deserve to be properly compensated for their losses, without falling victim to deceptive tactics. Let’s stand together and demand accountability from State Farm. For more information about this case and other important news, visit Author’s Bio. Stay informed, stay empowered, and let’s seek justice in the face of questionable insurance practices. By Samuel Lopez | Legal News Contributor for USA Herald   TAGSappraisal clauseclass action lawsuitdriversinsuranceState FarmTotaled vehiclesUndervaluationUSA Herald SHARE Previous articleRussian General Surovikin Linked to Wagner Mutiny MissingNext articleVPX lowers the boom on Bang, Jack Owoc claims Hostile takeover  Samuel Lopezhttps://usaherald.comWith over 20 years of experience in the legal and insurance sectors, Samuel applies his profound legal acumen to investigate and accurately report on the facts. RELATED ARTICLESMORE FROM AUTHOR Would-Be Assassin of Former President Trump killed by Secret Service Cyberattack on AT&T Exposes Phone Records of Millions of their Customers Mickey Mouse Club: The Disturbing Case of Gay Icon Dennis W. Day Must Read Would-Be Assassin of Former President Trump killed by Secret Service Jackie Allen - July 14, 2024 0 At a rally in Pennsylvania, Thomas Matthew Crooks, a 20-year-old from the area, shot former President Donald Trump in the ear. The would-be assassin... Cyberattack on AT&T Exposes Phone Records of Millions of their Customers July 13, 2024 Mickey Mouse Club: The Disturbing Case of Gay Icon Dennis W.... July 13, 2024 Huture and Aquaron $1B SPAC Merger July 13, 2024 We are The People's Media. USA Herald covers everything from breaking news to investigative journalism. We also report on politics on the State and National levels. Privacy Policy Terms of Service Contributors Submit Your News Contact © 2023 USA Herald, LLC. All rights reserved. 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Best Renters Insurance Companies of 2024 Business Insider logo Personal Finance Business Insider logo Account icon An icon in the shape of a person's head and shoulders. It often indicates a user profile. Account icon An icon in the shape of a person's head and shoulders. It often indicates a user profile. JUMP TO Section Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Lemonade Renters Insurance State Farm Renters Insurance Erie Renters Insurance Allstate Renters Insurance Farmers Renters Insurance USAA Renters Insurance FAQs Why You Should Trust Us Lemonade Renters Insurance State Farm Renters Insurance Erie Renters Insurance Allstate Renters Insurance Farmers Renters Insurance USAA Renters Insurance FAQs Why You Should Trust Us Get Started Savings CDs Checking Accounts Student Loans Credit Scores Life Insurance Homeowners Insurance Pet Insurance Travel Insurance Identity Theft Protection Credit Monitoring Small Business Banking Featured Reviews Cash Back Debit Cards Raisin Review SoFi Checking and Saving CIT Bank Review Chime Checking Account UFB Direct Bank Discover it Cash Back Credit Card Chase Sapphire Preferred Credit Card SquareMouth Travel Insurance Credit Cards Best Credit Cards Best Cash Back Credit Cards Best Rewards Credit Cards Best Travel Credit Cards Best 0% APR Credit Cards Best Balance Transfer Credit Cards Best First Credit Cards Best Business Credit Cards Insurance Best Car Insurance Best Homeowners Insurance Best Life Insurance Best Pet Insurance Best Renters Insurance Best Travel Insurance Banking Best Savings Accounts Best Checking Accounts Best Money Market Accounts Best CD Rates Best Bank Account Bonuses Best Banks Loans Best personal loans Best debt consolidation loans Best Loans for Bad Credit Best Student Loans Best Student Loan Refinance Mortgages Best mortgage lenders Best mortgage refinance lenders Best FHA Lenders Best HELOC Lenders Investing Taxes Retirement Financial Planning More Get Started Featured Reviews Credit Cards Insurance Banking Loans Mortgages Investing Taxes Retirement Financial Planning Back to Top A white circle with a black border surrounding a chevron pointing up. 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Best mortgage lenders Best mortgage refinance lenders Best FHA Lenders Best HELOC Lenders Investing Taxes Retirement Financial Planning Log out Account icon An icon in the shape of a person's head and shoulders. It often indicates a user profile. Login Personal Finance Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Insurance Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Renters Insurance Best Renters Insurance Companies of 2024 Written by Alani Asis; edited by Lina Roby; reviewed by Evelyn He 2024-06-21T14:08:06Z Share icon An curved arrow pointing right. Share Facebook Icon The letter F. Facebook Email icon An envelope. It indicates the ability to send an email. Email Twitter icon A stylized bird with an open mouth, tweeting. 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Whether you're renting a studio apartment or an entire single-family home, renters insurance will protect what your landlord's policy does not. For instance, if a fire destroys your rented home, renters insurance could cover your personal belongings and valuables. And if someone sues you for injuries on your property, renters insurance will ensure you're covered.Best Renters Insurance Companies of 2024Lemonade Renters Insurance: Best OverallState Farm Renters Insurance: Best for Cheap Renters InsuranceErie Renters Insurance: Best for DiscountsAllstate Renters Insurance: Best for SeniorsFarmers Renters Insurance: Best for Business ProfessionalsUSAA Renters Insurance: Best for Military MembersShop the Top Renters Insurance Companies BEST OVERALL Lemonade Renters Insurance Get quotes compare policies and rates with Lemonade Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.17/5 Icon of check mark inside a promo stamp It indicates a confirmed selection. Perks Offers low mileage, electric vehicle, hybrid discounts, and discounts for bundling your home and auto insurance JD Power Customer Satisfaction Rating 853 Pros Check mark icon A check mark. It indicates a confirmation of your intended interaction. Easy online quoting and purchasing Check mark icon A check mark. It indicates a confirmation of your intended interaction. Low rates Cons con icon Two crossed lines that form an 'X'. Not available in all 50 states con icon Two crossed lines that form an 'X'. Agents not available to help with quoting or claims, largely an online experience Insider’s Take Lemonade offers auto, homeowners, renters, pet, and life insurance. It's been around since 2015 and is known for offering some of the lowest rates. Lemonade ranks on J.D. Power's customer satisfaction surveys for renters insurance, however, it doesn't rank for life and homeowners insurance. Lemonade Renters Insurance review External link Arrow An arrow icon, indicating this redirects the user." Product Details Easy to use online platform Affordable renters insurance Certified B-Corp Show Pros, Cons, and More chevron down icon An icon in the shape of an angle pointing down. BEST FOR CHEAP RENTERS INSURANCE State Farm Renters Insurance Get quotes compare policies and rates with Policygenius Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.5/5 Icon of check mark inside a promo stamp It indicates a confirmed selection. Perks Offers many discounts, including good student discounts for high school and college students JD Power Customer Satisfaction Rating 836 AM Best Financial Strength Rating A++ Pros Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage in all 50 states Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong customer service Check mark icon A check mark. It indicates a confirmation of your intended interaction. Plenty of discounts Cons con icon Two crossed lines that form an 'X'. Only available through captive State Farm insurance agents con icon Two crossed lines that form an 'X'. Mixed reviews on claims processing Insider’s Take State Farm offers auto, homeowners, and life insurance. If you're looking for an established insurer with good customer satisfaction and reasonable rates, State Farm delivers. State Farm Renters Insurance review External link Arrow An arrow icon, indicating this redirects the user." Product Details Affordable renters insurance with national coverage Show Pros, Cons, and More chevron down icon An icon in the shape of an angle pointing down. Best for Discounts Erie Renters Insurance Get quotes compare policies and rates with Policygenius Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 3.83/5 Icon of check mark inside a promo stamp It indicates a confirmed selection. Perks Offers discounts for bundling your home and auto insurance JD Power Customer Satisfaction Rating 851 AM Best Financial Strength Rating A+ Pros Check mark icon A check mark. It indicates a confirmation of your intended interaction. Many coverage options for renters Check mark icon A check mark. It indicates a confirmation of your intended interaction. Agents available to assist via phone as necessary Cons con icon Two crossed lines that form an 'X'. Limited coverage in different states con icon Two crossed lines that form an 'X'. Pricing may be higher than some competitors con icon Two crossed lines that form an 'X'. Product is not as online friendly as some competitors Insider’s Take Erie Insurance is a good option for insurance if you value customer and claims satisfaction. Although it's only in 12 states plus D.C., if available in your state, it's a good option for auto, life, and home insurance. Erie Renters Insurance review External link Arrow An arrow icon, indicating this redirects the user." Product Details Offers unit safety discount, advance quote discount, and discounts based on your age. Show Pros, Cons, and More chevron down icon An icon in the shape of an angle pointing down. Best for Seniors Allstate Renters Insurance Get quotes compare policies and rates with Policygenius Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.17/5 Icon of check mark inside a promo stamp It indicates a confirmed selection. Perks Offers discounts and discounts for bundling your home and auto insurance JD Power Customer Satisfaction Rating 837 AM Best Financial Strength Rating A+ Pros Check mark icon A check mark. It indicates a confirmation of your intended interaction. Nationwide provider Check mark icon A check mark. It indicates a confirmation of your intended interaction. High rankings for customer service with JD Power Check mark icon A check mark. It indicates a confirmation of your intended interaction. Multi-policy discounts available Cons con icon Two crossed lines that form an 'X'. Policies are only available through a licensed captive Allstate agent con icon Two crossed lines that form an 'X'. Customer reviews around claims are mixed Insider’s Take Allstate has a national presence and low rates in auto and life insurance. It also provides excellent customer service across various products. Allstate Renters Insurance review External link Arrow An arrow icon, indicating this redirects the user." Product Details Starts at $4 a month when bundled with an auto policy. Show Pros, Cons, and More chevron down icon An icon in the shape of an angle pointing down. Best for Business Professionals Farmers Renters Insurance Get quotes compare policies and rates with Policygenius Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.67/5 Icon of check mark inside a promo stamp It indicates a confirmed selection. Perks Offers array of discounts and bundling options JD Power Customer Satisfaction Rating 831 AM Best Financial Strength Rating A Pros Check mark icon A check mark. It indicates a confirmation of your intended interaction. Bundling discounts available Check mark icon A check mark. It indicates a confirmation of your intended interaction. Identity theft coverage available Check mark icon A check mark. It indicates a confirmation of your intended interaction. Low prices and low complaints overall Cons con icon Two crossed lines that form an 'X'. Prices may be higher than some of the top competitors Insider’s Take Farmers offers auto, homeowners, and life insurance. It's been around since 1928 and generally has good marks for customer satisfaction. While its auto insurance may be an expensive option for some customers, Farmers offers a number of discounts to curtail the cost. Farmers review External link Arrow An arrow icon, indicating this redirects the user." Product Details Discounts for home safety and being a nonsmoker Show Pros, Cons, and More chevron down icon An icon in the shape of an angle pointing down. Best for Military Members USAA Renters Insurance Get quotes compare policies and rates with Policygenius Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.67/5 Icon of check mark inside a promo stamp It indicates a confirmed selection. Perks Offers discounts and discounts on bundling JD Power Customer Satisfaction Rating 886 AM Best Financial Strength Rating A++ Pros Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers low prices and further discounts Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states and Washington DC Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policies include flood and earthquake coverage without extra charges Cons con icon Two crossed lines that form an 'X'. USAA products directed exclusively at military members and veterans Insider’s Take USAA offers auto, homeowners, and life insurance with a proven record on customer service. Although its auto and homeowners is only available to military and veterans, its life insurance is open to the public. If you're looking for an established insurer with good customer satisfaction and reasonable rates, USAA delivers. USAA review External link Arrow An arrow icon, indicating this redirects the user." Product Details Renters insurance for military and veterans Save up to 10% when you bundle your renters and auto policy. Includes flood coverage and earthquake coverage. Show Pros, Cons, and More chevron down icon An icon in the shape of an angle pointing down. Renters Insurance Company ReviewsBest Overall: Lemonade Renters InsuranceLemonade Renters Insurance is an easy-to-use digital platform provider that offers affordable coverage. Lemonade isn't available in all states, but it has good customer service ratings.The average renters insurance, according to some reports, costs $174 annually or $14.50 per month. According to Insurify, Lemonade starts at $5 a month, significantly more affordable than the national average. However, your renters insurance will be based on several factors like where you live.Lemonade homeowners insurance reviewBest for Cheap Renters Insurance: State Farm Renters InsuranceState Farm Renters Insurance is an established insurance company that receives high customer and claims satisfaction marks.The average annual premium for renters insurance is about $173, according to the Insurance Institute. However, bundling discounts may lower costs (if you bundle it with your auto or other insurance). Some apartment buildings also partner with specialty renters insurance companies, which offer more coverage and exclusive perks as long as you live in a certain building.State Farm home insurance reviewBest for Discounts: Erie Renters InsuranceErie Renters Insurance only operates in 12 states and Washington, D.C. It won't make sense for everyone, but it does have a reputation for good customer service and claims satisfaction in the regions where it does operate. Erie Insurance is known for its low prices across the board, however, it also offers a number of discounts to curtail your premiums even further.Erie's renters insurance starts at $15 a month, slightly below the national average. However, your renters insurance will be based on several factors, like where you live.Erie home insurance reviewBest for Seniors: Allstate Renters InsuranceAllstate Renters Insurance is a national carrier that ranks well for customer service, but its insurance premiums aren't always the cheapest. However, Allstate has a discount that allows renters who are 55 years or older to enjoy 25% of their premiums.Insurify finds Allstate monthly premiums start at $15 monthly, which is on par with the national average. Allstate is known for its bundling and other discounts. So if you're already a loyal Allstate company, you'll probably find your most competitive rates here. Allstate's personalized service with captive agents may also appeal to seniors.Allstate home insurance reviewBest for Business Professionals: Farmers Renters InsuranceFarmers takes the seventh spot in J.D. Power's renters insurance customer satisfaction survey. You may qualify for a discount if you are a business professional such as a doctor, nurse, engineer, dentist, teacher, police officer, or firefighter. You can obtain a quote by speaking to a Farmers insurance representative.Farmers home insurance reviewBest for Military Members: USAA Renters InsuranceIf you're in the military or a veteran, USAA is an option worth considering. Its life insurance is the only product open to non-military customers.Insurify states USAA is priced at $10 a month, significantly more affordable than the national average. However, as you may already know, USAA insurance coverage is limited to US military members, veterans, and their immediate families. Civilian renters are not eligible for its rock-bottom pricing.USAA home insurance reviewAverage Cost of Renters Insurance by StateLike homeowners insurance and car insurance, the cost of renters insurance will vary by state. Where you live will play a significant role in the amount you pay in premiums.Here's the average annual premium for renters insurance by state, according to the Insurance Information Institute.StateAverage annual premiumAlabama$225Alaska$186Arizona$164Arkansas$210California$171Colorado$161Connecticut$180Delaware$151District of Columbia$159Florida$182Georgia$212Hawaii$176Idaho$148Illinois$157Indiana$164Iowa$136Kansas$162Kentucky$157Louisiana$247Maine$148Maryland$160Massachusetts$172Michigan$181Minnesota$134Mississippi$256Missouri$172Montana$153Nebraska$143Nevada$179New Hampshire$147New Jersey$154New Mexico$180New York$173North Carolina$160North Dakota$116Ohio$162Oklahoma$226Oregon$154Pennsylvania$152Rhode Island$183South Carolina$186South Dakota$118Tennessee$187Texas$216Utah$147Vermont$151Virginia$152Washington$158West Virginia$179Wisconsin$128Wyoming$146Renters Insurance Tips What does renters insurance cover? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Renters insurance covers personal property when damaged by a covered peril, or a loss listed in your policy, like fire, smoke, theft, and storms. Your landlord's insurance policy will typically cover the building and the structure, and your insurance covers anything inside your home. How much does renters insurance cost? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. The average cost of renters insurance in the US is about $15 per month, or $173 a year, according to 2020 data from the Insurance Information Institute. Premiums may vary based on zip code, any history of claims, and more. You could get additional savings by bundling your renters insurance policy with car insurance or other types of insurance.  What company has the cheapest renters insurance? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. The cheapest renters insurance tends to vary based on location, so it's worth getting quotes from a few different companies. Overall, though, Lemonade tends to offer cheap rates across the US. Why do people not get renters insurance? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. People may opt to not get renters insurance by simply overlooking its importance, or if they incorrectly think their valuables are covered by the landlord's building insurance. Anyone with items of value in their apartment should get renters insurance to protect their belongings. Why You Should Trust Us: How We Chose The Best Renters Insurance CompaniesWe aim to inform consumers, giving you the information you need to make decisions about your insurance. Our reviews and guides are not for sale. All product features are based on facts gathered. We consider industry standards, customer reviews, and other factors to get a complete perspective on each product.Insider gathered data from several renters insurance companies based on customer service and premium prices where available. We base our sample quotes on data for two people renting a two-bedroom, one-bath, single-family with no pets in Philadelphia.See our insurance rating methodology to learn more. Alani Asis Alani Asis is a personal finance expert with experience covering insurance, retirement, and credit at both Business Insider and LendingTree. Her work has been published in AARP, CNN Underscored, Forbes, Fortune, PolicyGenius, and U.S. News & World Report.ExperienceAlani is a former insurance fellow on the Personal Finance Insider team. She’s reviewed life insurance and pet insurance companies and has written numerous explainers on travel insurance, credit, debt, and home insurance.She is passionate about demystifying the complexities of insurance and other personal finance topics so that readers have the information they need to make the best money decisions.ExpertiseAlani’s areas of personal finance expertise include:Car insuranceLife insuranceHome insuranceTravel insurancePet insuranceCreditCredit cardsRetirement planningEducation Alani is a graduate of the University of Hawaii at Manoa, where she earned a degree in political science and history. Read more Read less Evelyn He Compliance and Operations Associate Evelyn He is a Compliance and Operations Associate on the Personal Finance team to ensure content accuracy and editorial independence so readers get up-to-date and objective financial advice.The compliance team's mission is to provide readers with fact-checked and current stories so they can make informed financial decisions. The team also works to minimize risk for partners by ensuring language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team. Read more Read less Top Offers From Our Partners Chime® Checking Account Set up Direct Deposit and get your paycheck up to 2 days before your coworkers.** No overdraft fees. No monthly fees. A tooltip Chime is a financial technology company, not a bank. 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Small Business - Shelby County Reporter | Shelby County ReporterBLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSIONPR NewswireThursday, June 29, 2023 at 7:45pm UTC BLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSION PR Newswire NEW YORK, June 29, 2023 The leading digital media company showcases the foremost 60 companies that champion inclusion and propel business success through their DEI initiatives. NEW YORK, June 29, 2023 /PRNewswire/ -- BLACK ENTERPRISE, the top Black digital media brand and premier business and financial resource for African Americans, proudly unveils its highly anticipated list of the "Best Companies for Diversity, Equity & Inclusion (DEI)." This robust list is back to highlight a select group of publicly traded corporations that have demonstrated an unwavering commitment to creating dynamic workforces, diverse corporate governance, expansive supply chains, and inclusive management. The post-pandemic era is marked by two powerful and defining forces: companies committed to addressing systemic inequities versus conservatives lashing out against the actions of so-called "woke" institutions. In this dynamic environment, BLACK ENTERPRISE firmly advocates for the importance of prioritizing DEI on the corporate agenda. The Best Companies for DEI list stands as a powerful testament, affirming that fair access to opportunities is not merely a feel-good initiative but a transformative business imperative that can change the world. "BLACK ENTERPRISE is proud to unveil our distinguished roster of companies that have demonstrated an unwavering dedication to DEI across various dimensions, including their employee base, senior management, board of directors, and procurement," said BLACK ENTERPRISE's esteemed Executive Vice President & Chief Content Officer Derek Dingle. "Our diligent editorial research team conducted a comprehensive analysis, meticulously examining the ethnic and gender composition and the efficacy of programs aimed at nurturing an inclusive work environment. We thoroughly evaluated company standings by utilizing surveys, BLACK ENTERPRISE's wealth of diversity and corporate leadership data, as well as engaging with diversity departments and relevant organizations." BLACK ENTERPRISE proudly presents the 2023 List of the Best Companies for Diversity, Equity & Inclusion. The following companies have exemplified their dedication to fostering an inclusive and diverse workplace: ACCENTURE PLCADP INC.AFLAC INC.ALLSTATE CORP.AMEREN CORP.AMERICAN EXPRESS CO.ARAMARKAT&T INC.BANK OF AMERICA CORP.CIGNA CORP.CMS ENERGYTHE COCA-COLA CO.COMCAST CORP.COMERICA INC.CONSOLIDATED EDISON INC.DELTA AIR LINESDTE ENERGY CO.DUKE ENERGY CORP.ENTERGY CORP.EXELON CORP.FANNIE MAEFEDEX CORP.FORD MOTOR CO.GENERAL MILLS INC.GENERAL MOTORSIBMJC PENNEYJLLJOHNSON CONTROLSJP MORGAN CHASETHE KELLOGG CO.LILLYLOCKHEED MARTIN CORP.LOWE'S COS INC.MACY'S INC.MARRIOTT INTERNATIONAL, INC.MASTERCARDMCDONALD'S CORP.MERCKMGM RESORTS INTERNATIONALMORGAN STANLEYNATIONWIDENORTHWESTERN MUTUALPACIFIC GAS & ELECTRIC CO.PEPSICO INC.PNC FINANCIAL SERVICE GROUP INC.PRUDENTIAL FINANCIAL INC.SEMPRASOUTHERN CO.STATE FARMTIAATOYOTA MOTOR NORTH AMERICAU.S. BANKUNITED AIRLINES HOLDINGSUPSVERIZON COMMUNICATIONSWALGREENS BOOTS ALLIANCEWALMART STORES INC.WELLS FARGO & CO.XEROXThe significance of DEI initiatives cannot be overstated when it comes to establishing an inclusive, forward-thinking, and fair workplace. In conjunction with the highly regarded Best Companies for DEI list, BLACK ENTERPRISE honored the remarkable individuals and organizations spearheading diversity and inclusion efforts. This distinguished recognition occurred at the Chief Diversity Officers Summit and Honors ceremony, hosted at the prestigious Rainbow Room in Rockefeller Center. By embracing diversity and actively championing inclusivity, companies can unlock their employees' full potential, drive remarkable business achievements, and foster a positive societal impact. To read the full list, please visit https://www.blackenterprise.com/chiefdiversitysummit/2023bestcompaniesfordiversity/. To stay up to date on upcoming BLACK ENTERPRISE announcements, visit blackenterprise.com and follow them on social media across Instagram, Twitter, and Facebook. About BLACK ENTERPRISE Founded in 1970, BLACK ENTERPRISE is a mission-centric publication focused on providing relevant information for success-minded people at every stage of their financial journey. Designed to highlight Black leadership and entrepreneurial journeys, BLACK ENTERPRISE reaches its audience through its events and linear and digital channels. BLACK ENTERPRISE aims to be a fountain of knowledge on the how to in achieving financial success. To learn more about the company, please visit blackenterprise.com and follow us on social media across Instagram, Twitter, and Facebook. View original content to download multimedia:https://www.prnewswire.com/news-releases/black-enterprise-announces-the-2023-best-companies-for-diversity-equity--inclusion-301867489.html SOURCE BLACK ENTERPRISE Polls What would make you consider a digital subscription to Shelby County Reporter? Low subscription cost Unlimited content access Exclusive news/event information View Results  Loading ... Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window)Click to print (Opens in new window)Click to email a link to a friend (Opens in new window) Subscribe Home News Schools Alabaster Reporter Calera Chelsea Columbiana Harpersville Helena Helena Magazine Hoover Indian Springs Montevallo North Shelby Pelham Reporter Vincent Westover Wilsonville Wilton Sports Opinion Obituaries Calendar Records Classifieds Services About Us Policies Birth Announcement Birthday Announcement Engagement Announcement Wedding Announcement Anniversary Announcement Submit a Letter to the Editor Submit a News Tip Submit a Photo Submit a Classified Advertisement Photo Gallery Public Notices E-Edition Sections Home News Sports Opinion Lifestyles Obituaries Business Faith Special Sections Calendar Small Business Services About Us Subscriptions Policies Submit a News Tip Submit a Photo Birth Announcement Birthday Announcement Engagement Announcement Wedding Announcement Anniversary Announcement Submit a Classified Advertisement Sign up for Newsletter Classifieds Photo Gallery Visit Our Other Publications Copyright © 2022, Shelby County Reporter

Small Business - Jessamine Journal | Jessamine JournalBLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSIONPR NewswireThursday, June 29, 2023 at 7:45pm UTC BLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSION PR Newswire NEW YORK, June 29, 2023 The leading digital media company showcases the foremost 60 companies that champion inclusion and propel business success through their DEI initiatives. NEW YORK, June 29, 2023 /PRNewswire/ -- BLACK ENTERPRISE, the top Black digital media brand and premier business and financial resource for African Americans, proudly unveils its highly anticipated list of the "Best Companies for Diversity, Equity & Inclusion (DEI)." This robust list is back to highlight a select group of publicly traded corporations that have demonstrated an unwavering commitment to creating dynamic workforces, diverse corporate governance, expansive supply chains, and inclusive management. The post-pandemic era is marked by two powerful and defining forces: companies committed to addressing systemic inequities versus conservatives lashing out against the actions of so-called "woke" institutions. In this dynamic environment, BLACK ENTERPRISE firmly advocates for the importance of prioritizing DEI on the corporate agenda. The Best Companies for DEI list stands as a powerful testament, affirming that fair access to opportunities is not merely a feel-good initiative but a transformative business imperative that can change the world. "BLACK ENTERPRISE is proud to unveil our distinguished roster of companies that have demonstrated an unwavering dedication to DEI across various dimensions, including their employee base, senior management, board of directors, and procurement," said BLACK ENTERPRISE's esteemed Executive Vice President & Chief Content Officer Derek Dingle. "Our diligent editorial research team conducted a comprehensive analysis, meticulously examining the ethnic and gender composition and the efficacy of programs aimed at nurturing an inclusive work environment. We thoroughly evaluated company standings by utilizing surveys, BLACK ENTERPRISE's wealth of diversity and corporate leadership data, as well as engaging with diversity departments and relevant organizations." BLACK ENTERPRISE proudly presents the 2023 List of the Best Companies for Diversity, Equity & Inclusion. The following companies have exemplified their dedication to fostering an inclusive and diverse workplace: ACCENTURE PLCADP INC.AFLAC INC.ALLSTATE CORP.AMEREN CORP.AMERICAN EXPRESS CO.ARAMARKAT&T INC.BANK OF AMERICA CORP.CIGNA CORP.CMS ENERGYTHE COCA-COLA CO.COMCAST CORP.COMERICA INC.CONSOLIDATED EDISON INC.DELTA AIR LINESDTE ENERGY CO.DUKE ENERGY CORP.ENTERGY CORP.EXELON CORP.FANNIE MAEFEDEX CORP.FORD MOTOR CO.GENERAL MILLS INC.GENERAL MOTORSIBMJC PENNEYJLLJOHNSON CONTROLSJP MORGAN CHASETHE KELLOGG CO.LILLYLOCKHEED MARTIN CORP.LOWE'S COS INC.MACY'S INC.MARRIOTT INTERNATIONAL, INC.MASTERCARDMCDONALD'S CORP.MERCKMGM RESORTS INTERNATIONALMORGAN STANLEYNATIONWIDENORTHWESTERN MUTUALPACIFIC GAS & ELECTRIC CO.PEPSICO INC.PNC FINANCIAL SERVICE GROUP INC.PRUDENTIAL FINANCIAL INC.SEMPRASOUTHERN CO.STATE FARMTIAATOYOTA MOTOR NORTH AMERICAU.S. BANKUNITED AIRLINES HOLDINGSUPSVERIZON COMMUNICATIONSWALGREENS BOOTS ALLIANCEWALMART STORES INC.WELLS FARGO & CO.XEROXThe significance of DEI initiatives cannot be overstated when it comes to establishing an inclusive, forward-thinking, and fair workplace. In conjunction with the highly regarded Best Companies for DEI list, BLACK ENTERPRISE honored the remarkable individuals and organizations spearheading diversity and inclusion efforts. This distinguished recognition occurred at the Chief Diversity Officers Summit and Honors ceremony, hosted at the prestigious Rainbow Room in Rockefeller Center. By embracing diversity and actively championing inclusivity, companies can unlock their employees' full potential, drive remarkable business achievements, and foster a positive societal impact. To read the full list, please visit https://www.blackenterprise.com/chiefdiversitysummit/2023bestcompaniesfordiversity/. To stay up to date on upcoming BLACK ENTERPRISE announcements, visit blackenterprise.com and follow them on social media across Instagram, Twitter, and Facebook. About BLACK ENTERPRISE Founded in 1970, BLACK ENTERPRISE is a mission-centric publication focused on providing relevant information for success-minded people at every stage of their financial journey. Designed to highlight Black leadership and entrepreneurial journeys, BLACK ENTERPRISE reaches its audience through its events and linear and digital channels. BLACK ENTERPRISE aims to be a fountain of knowledge on the how to in achieving financial success. To learn more about the company, please visit blackenterprise.com and follow us on social media across Instagram, Twitter, and Facebook. View original content to download multimedia:https://www.prnewswire.com/news-releases/black-enterprise-announces-the-2023-best-companies-for-diversity-equity--inclusion-301867489.html SOURCE BLACK ENTERPRISE Subscribe Home News Sports Obituaries Features Opinion Public Records Special Sections Contests Services About Us Policies Photos Submit a News Tip Submit a Sports Story Submit a Photo Letters to Editor Classifieds Jobs E-Edition Sections Home News Sports Opinion Classifieds Services About Us Subscribe Policies Submit a News Tip Submit a Photo Copyright © 2021, Jessamine Journal

Natick - Local Town Pages | The Voice of Your Community | Press ReleasesBLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSIONPR NewswireThursday, June 29, 2023 at 7:45pm UTC BLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSION PR Newswire NEW YORK, June 29, 2023 The leading digital media company showcases the foremost 60 companies that champion inclusion and propel business success through their DEI initiatives. NEW YORK, June 29, 2023 /PRNewswire/ -- BLACK ENTERPRISE, the top Black digital media brand and premier business and financial resource for African Americans, proudly unveils its highly anticipated list of the "Best Companies for Diversity, Equity & Inclusion (DEI)." This robust list is back to highlight a select group of publicly traded corporations that have demonstrated an unwavering commitment to creating dynamic workforces, diverse corporate governance, expansive supply chains, and inclusive management. The post-pandemic era is marked by two powerful and defining forces: companies committed to addressing systemic inequities versus conservatives lashing out against the actions of so-called "woke" institutions. In this dynamic environment, BLACK ENTERPRISE firmly advocates for the importance of prioritizing DEI on the corporate agenda. The Best Companies for DEI list stands as a powerful testament, affirming that fair access to opportunities is not merely a feel-good initiative but a transformative business imperative that can change the world. "BLACK ENTERPRISE is proud to unveil our distinguished roster of companies that have demonstrated an unwavering dedication to DEI across various dimensions, including their employee base, senior management, board of directors, and procurement," said BLACK ENTERPRISE's esteemed Executive Vice President & Chief Content Officer Derek Dingle. "Our diligent editorial research team conducted a comprehensive analysis, meticulously examining the ethnic and gender composition and the efficacy of programs aimed at nurturing an inclusive work environment. We thoroughly evaluated company standings by utilizing surveys, BLACK ENTERPRISE's wealth of diversity and corporate leadership data, as well as engaging with diversity departments and relevant organizations." BLACK ENTERPRISE proudly presents the 2023 List of the Best Companies for Diversity, Equity & Inclusion. The following companies have exemplified their dedication to fostering an inclusive and diverse workplace: ACCENTURE PLCADP INC.AFLAC INC.ALLSTATE CORP.AMEREN CORP.AMERICAN EXPRESS CO.ARAMARKAT&T INC.BANK OF AMERICA CORP.CIGNA CORP.CMS ENERGYTHE COCA-COLA CO.COMCAST CORP.COMERICA INC.CONSOLIDATED EDISON INC.DELTA AIR LINESDTE ENERGY CO.DUKE ENERGY CORP.ENTERGY CORP.EXELON CORP.FANNIE MAEFEDEX CORP.FORD MOTOR CO.GENERAL MILLS INC.GENERAL MOTORSIBMJC PENNEYJLLJOHNSON CONTROLSJP MORGAN CHASETHE KELLOGG CO.LILLYLOCKHEED MARTIN CORP.LOWE'S COS INC.MACY'S INC.MARRIOTT INTERNATIONAL, INC.MASTERCARDMCDONALD'S CORP.MERCKMGM RESORTS INTERNATIONALMORGAN STANLEYNATIONWIDENORTHWESTERN MUTUALPACIFIC GAS & ELECTRIC CO.PEPSICO INC.PNC FINANCIAL SERVICE GROUP INC.PRUDENTIAL FINANCIAL INC.SEMPRASOUTHERN CO.STATE FARMTIAATOYOTA MOTOR NORTH AMERICAU.S. BANKUNITED AIRLINES HOLDINGSUPSVERIZON COMMUNICATIONSWALGREENS BOOTS ALLIANCEWALMART STORES INC.WELLS FARGO & CO.XEROXThe significance of DEI initiatives cannot be overstated when it comes to establishing an inclusive, forward-thinking, and fair workplace. In conjunction with the highly regarded Best Companies for DEI list, BLACK ENTERPRISE honored the remarkable individuals and organizations spearheading diversity and inclusion efforts. This distinguished recognition occurred at the Chief Diversity Officers Summit and Honors ceremony, hosted at the prestigious Rainbow Room in Rockefeller Center. By embracing diversity and actively championing inclusivity, companies can unlock their employees' full potential, drive remarkable business achievements, and foster a positive societal impact. To read the full list, please visit https://www.blackenterprise.com/chiefdiversitysummit/2023bestcompaniesfordiversity/. To stay up to date on upcoming BLACK ENTERPRISE announcements, visit blackenterprise.com and follow them on social media across Instagram, Twitter, and Facebook. About BLACK ENTERPRISE Founded in 1970, BLACK ENTERPRISE is a mission-centric publication focused on providing relevant information for success-minded people at every stage of their financial journey. Designed to highlight Black leadership and entrepreneurial journeys, BLACK ENTERPRISE reaches its audience through its events and linear and digital channels. BLACK ENTERPRISE aims to be a fountain of knowledge on the how to in achieving financial success. To learn more about the company, please visit blackenterprise.com and follow us on social media across Instagram, Twitter, and Facebook. View original content to download multimedia:https://www.prnewswire.com/news-releases/black-enterprise-announces-the-2023-best-companies-for-diversity-equity--inclusion-301867489.html SOURCE BLACK ENTERPRISE In This Issue Read It Now Archives Natick Town News Skip to main content Our Newspapers Ashland Bellingham Franklin Holliston Hopedale Medway/Millis Norfolk/Wrentham Norwood The Yankee Express About Us Contact Us Advertise Latest Issue Archives News Arts & Education Food & Entertainment Healthy Living Real Estate Calendar of Events Sports Community Community Announcements Post a Community Announcement Local Services Business Spotlight Professional Services Submit an Event List Your Business Login/Join Search Search News Arts & Education Food & Entertainment Healthy Living Real Estate Calendar of Events Sports Community Community Announcements Post a Community Announcement Local Services Business Spotlight Professional Services Proudly Brought to you by Our Community Sponsors Coan Oil News Arts & Education Food & Entertainment Healthy Living Real Estate Calendar of Events Sports Community Community Announcements Post a Community Announcement Local Services Business Spotlight Professional Services Sponsored Content 2023 | Powered by Locable | Terms of Service Submit an Event List Your Business Login/Join

Small Business - Albert Lea Tribune | Albert Lea TribuneBLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSIONPR NewswireThursday, June 29, 2023 at 7:45pm UTC BLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSION PR Newswire NEW YORK, June 29, 2023 The leading digital media company showcases the foremost 60 companies that champion inclusion and propel business success through their DEI initiatives. NEW YORK, June 29, 2023 /PRNewswire/ -- BLACK ENTERPRISE, the top Black digital media brand and premier business and financial resource for African Americans, proudly unveils its highly anticipated list of the "Best Companies for Diversity, Equity & Inclusion (DEI)." This robust list is back to highlight a select group of publicly traded corporations that have demonstrated an unwavering commitment to creating dynamic workforces, diverse corporate governance, expansive supply chains, and inclusive management. The post-pandemic era is marked by two powerful and defining forces: companies committed to addressing systemic inequities versus conservatives lashing out against the actions of so-called "woke" institutions. In this dynamic environment, BLACK ENTERPRISE firmly advocates for the importance of prioritizing DEI on the corporate agenda. The Best Companies for DEI list stands as a powerful testament, affirming that fair access to opportunities is not merely a feel-good initiative but a transformative business imperative that can change the world. "BLACK ENTERPRISE is proud to unveil our distinguished roster of companies that have demonstrated an unwavering dedication to DEI across various dimensions, including their employee base, senior management, board of directors, and procurement," said BLACK ENTERPRISE's esteemed Executive Vice President & Chief Content Officer Derek Dingle. "Our diligent editorial research team conducted a comprehensive analysis, meticulously examining the ethnic and gender composition and the efficacy of programs aimed at nurturing an inclusive work environment. We thoroughly evaluated company standings by utilizing surveys, BLACK ENTERPRISE's wealth of diversity and corporate leadership data, as well as engaging with diversity departments and relevant organizations." BLACK ENTERPRISE proudly presents the 2023 List of the Best Companies for Diversity, Equity & Inclusion. The following companies have exemplified their dedication to fostering an inclusive and diverse workplace: ACCENTURE PLCADP INC.AFLAC INC.ALLSTATE CORP.AMEREN CORP.AMERICAN EXPRESS CO.ARAMARKAT&T INC.BANK OF AMERICA CORP.CIGNA CORP.CMS ENERGYTHE COCA-COLA CO.COMCAST CORP.COMERICA INC.CONSOLIDATED EDISON INC.DELTA AIR LINESDTE ENERGY CO.DUKE ENERGY CORP.ENTERGY CORP.EXELON CORP.FANNIE MAEFEDEX CORP.FORD MOTOR CO.GENERAL MILLS INC.GENERAL MOTORSIBMJC PENNEYJLLJOHNSON CONTROLSJP MORGAN CHASETHE KELLOGG CO.LILLYLOCKHEED MARTIN CORP.LOWE'S COS INC.MACY'S INC.MARRIOTT INTERNATIONAL, INC.MASTERCARDMCDONALD'S CORP.MERCKMGM RESORTS INTERNATIONALMORGAN STANLEYNATIONWIDENORTHWESTERN MUTUALPACIFIC GAS & ELECTRIC CO.PEPSICO INC.PNC FINANCIAL SERVICE GROUP INC.PRUDENTIAL FINANCIAL INC.SEMPRASOUTHERN CO.STATE FARMTIAATOYOTA MOTOR NORTH AMERICAU.S. BANKUNITED AIRLINES HOLDINGSUPSVERIZON COMMUNICATIONSWALGREENS BOOTS ALLIANCEWALMART STORES INC.WELLS FARGO & CO.XEROXThe significance of DEI initiatives cannot be overstated when it comes to establishing an inclusive, forward-thinking, and fair workplace. In conjunction with the highly regarded Best Companies for DEI list, BLACK ENTERPRISE honored the remarkable individuals and organizations spearheading diversity and inclusion efforts. This distinguished recognition occurred at the Chief Diversity Officers Summit and Honors ceremony, hosted at the prestigious Rainbow Room in Rockefeller Center. By embracing diversity and actively championing inclusivity, companies can unlock their employees' full potential, drive remarkable business achievements, and foster a positive societal impact. To read the full list, please visit https://www.blackenterprise.com/chiefdiversitysummit/2023bestcompaniesfordiversity/. To stay up to date on upcoming BLACK ENTERPRISE announcements, visit blackenterprise.com and follow them on social media across Instagram, Twitter, and Facebook. About BLACK ENTERPRISE Founded in 1970, BLACK ENTERPRISE is a mission-centric publication focused on providing relevant information for success-minded people at every stage of their financial journey. Designed to highlight Black leadership and entrepreneurial journeys, BLACK ENTERPRISE reaches its audience through its events and linear and digital channels. BLACK ENTERPRISE aims to be a fountain of knowledge on the how to in achieving financial success. To learn more about the company, please visit blackenterprise.com and follow us on social media across Instagram, Twitter, and Facebook. View original content to download multimedia:https://www.prnewswire.com/news-releases/black-enterprise-announces-the-2023-best-companies-for-diversity-equity--inclusion-301867489.html SOURCE BLACK ENTERPRISE Construction Updates Detour in place to Myre-Big Island State Park from East Main StreetOctober 18, 2022 Special Section More special sections Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to email a link to a friend (Opens in new window)Click to print (Opens in new window) Subscribe Home News Arts & Culture Arts & Culture features Arts & Culture columns Birth Announcements Campus Notes Engagements Weddings Faith Organizations Cops, Courts & Fires Education Elections & Campaigns Health Updates Progress 2022 State & Regional Weather Sports Opinion Editorials Columns Al Batt Sarah Stultz April Jeppson Guest Columns Letters to the Editor Obits Obituary Information And Guidelines Services About Us Policies Advertise with Us News Tip Photo Send a Video photo order form Submit a Letter to the Editor Contests Albert Lea Magazine Classifieds Public Notices E-Edition Sections Home News Sports Opinion Arts & Culture Classifieds Small Business Services About Us Policies News Tip Subscriptions Copyright © 2022, Albert Lea Tribune

Small Business - Salisbury Post | Salisbury PostBLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSIONPR NewswireThursday, June 29, 2023 at 7:45pm UTC BLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSION PR Newswire NEW YORK, June 29, 2023 The leading digital media company showcases the foremost 60 companies that champion inclusion and propel business success through their DEI initiatives. NEW YORK, June 29, 2023 /PRNewswire/ -- BLACK ENTERPRISE, the top Black digital media brand and premier business and financial resource for African Americans, proudly unveils its highly anticipated list of the "Best Companies for Diversity, Equity & Inclusion (DEI)." This robust list is back to highlight a select group of publicly traded corporations that have demonstrated an unwavering commitment to creating dynamic workforces, diverse corporate governance, expansive supply chains, and inclusive management. The post-pandemic era is marked by two powerful and defining forces: companies committed to addressing systemic inequities versus conservatives lashing out against the actions of so-called "woke" institutions. In this dynamic environment, BLACK ENTERPRISE firmly advocates for the importance of prioritizing DEI on the corporate agenda. The Best Companies for DEI list stands as a powerful testament, affirming that fair access to opportunities is not merely a feel-good initiative but a transformative business imperative that can change the world. "BLACK ENTERPRISE is proud to unveil our distinguished roster of companies that have demonstrated an unwavering dedication to DEI across various dimensions, including their employee base, senior management, board of directors, and procurement," said BLACK ENTERPRISE's esteemed Executive Vice President & Chief Content Officer Derek Dingle. "Our diligent editorial research team conducted a comprehensive analysis, meticulously examining the ethnic and gender composition and the efficacy of programs aimed at nurturing an inclusive work environment. We thoroughly evaluated company standings by utilizing surveys, BLACK ENTERPRISE's wealth of diversity and corporate leadership data, as well as engaging with diversity departments and relevant organizations." BLACK ENTERPRISE proudly presents the 2023 List of the Best Companies for Diversity, Equity & Inclusion. The following companies have exemplified their dedication to fostering an inclusive and diverse workplace: ACCENTURE PLCADP INC.AFLAC INC.ALLSTATE CORP.AMEREN CORP.AMERICAN EXPRESS CO.ARAMARKAT&T INC.BANK OF AMERICA CORP.CIGNA CORP.CMS ENERGYTHE COCA-COLA CO.COMCAST CORP.COMERICA INC.CONSOLIDATED EDISON INC.DELTA AIR LINESDTE ENERGY CO.DUKE ENERGY CORP.ENTERGY CORP.EXELON CORP.FANNIE MAEFEDEX CORP.FORD MOTOR CO.GENERAL MILLS INC.GENERAL MOTORSIBMJC PENNEYJLLJOHNSON CONTROLSJP MORGAN CHASETHE KELLOGG CO.LILLYLOCKHEED MARTIN CORP.LOWE'S COS INC.MACY'S INC.MARRIOTT INTERNATIONAL, INC.MASTERCARDMCDONALD'S CORP.MERCKMGM RESORTS INTERNATIONALMORGAN STANLEYNATIONWIDENORTHWESTERN MUTUALPACIFIC GAS & ELECTRIC CO.PEPSICO INC.PNC FINANCIAL SERVICE GROUP INC.PRUDENTIAL FINANCIAL INC.SEMPRASOUTHERN CO.STATE FARMTIAATOYOTA MOTOR NORTH AMERICAU.S. BANKUNITED AIRLINES HOLDINGSUPSVERIZON COMMUNICATIONSWALGREENS BOOTS ALLIANCEWALMART STORES INC.WELLS FARGO & CO.XEROXThe significance of DEI initiatives cannot be overstated when it comes to establishing an inclusive, forward-thinking, and fair workplace. In conjunction with the highly regarded Best Companies for DEI list, BLACK ENTERPRISE honored the remarkable individuals and organizations spearheading diversity and inclusion efforts. This distinguished recognition occurred at the Chief Diversity Officers Summit and Honors ceremony, hosted at the prestigious Rainbow Room in Rockefeller Center. By embracing diversity and actively championing inclusivity, companies can unlock their employees' full potential, drive remarkable business achievements, and foster a positive societal impact. To read the full list, please visit https://www.blackenterprise.com/chiefdiversitysummit/2023bestcompaniesfordiversity/. To stay up to date on upcoming BLACK ENTERPRISE announcements, visit blackenterprise.com and follow them on social media across Instagram, Twitter, and Facebook. About BLACK ENTERPRISE Founded in 1970, BLACK ENTERPRISE is a mission-centric publication focused on providing relevant information for success-minded people at every stage of their financial journey. Designed to highlight Black leadership and entrepreneurial journeys, BLACK ENTERPRISE reaches its audience through its events and linear and digital channels. BLACK ENTERPRISE aims to be a fountain of knowledge on the how to in achieving financial success. To learn more about the company, please visit blackenterprise.com and follow us on social media across Instagram, Twitter, and Facebook. View original content to download multimedia:https://www.prnewswire.com/news-releases/black-enterprise-announces-the-2023-best-companies-for-diversity-equity--inclusion-301867489.html SOURCE BLACK ENTERPRISE Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to print (Opens in new window) Subscribe Home E-Edition News Crime Business Education Local Lifestyle Politics Sports High School Sports College Auto Racing (AP) College Basketball (AP) College Football (AP) Pro Football (AP) Photos Opinion Obituaries Classifieds Place an ad Public Notices Submit Contact Us Email Signup Letter to the Editor Place a Classified Submit a Community Event Contests Roco Gold 2022 Veteran of the Month Special Sections Dining Salisbury the Magazine Spirit of Rowan Special Sections Veteran of the Month Calendar Sections Home News Local China Grove Cleveland Concord East Spencer Gold Hill Granite Quarry Kannapolis Landis Mount Ulla Rockwell Salisbury Sports Opinion Lifestyle Faith Video Veteran of the Month Services About Us Contact Us Classifieds Obits Small Business Copyright © 2022, Salisbury Post

Alex City Outlook | Press Releases | News | alexcityoutlook.comBLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSIONPR NewswireThursday, June 29, 2023 at 7:45pm UTC BLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSION PR Newswire NEW YORK, June 29, 2023 The leading digital media company showcases the foremost 60 companies that champion inclusion and propel business success through their DEI initiatives. NEW YORK, June 29, 2023 /PRNewswire/ -- BLACK ENTERPRISE, the top Black digital media brand and premier business and financial resource for African Americans, proudly unveils its highly anticipated list of the "Best Companies for Diversity, Equity & Inclusion (DEI)." This robust list is back to highlight a select group of publicly traded corporations that have demonstrated an unwavering commitment to creating dynamic workforces, diverse corporate governance, expansive supply chains, and inclusive management. The post-pandemic era is marked by two powerful and defining forces: companies committed to addressing systemic inequities versus conservatives lashing out against the actions of so-called "woke" institutions. In this dynamic environment, BLACK ENTERPRISE firmly advocates for the importance of prioritizing DEI on the corporate agenda. The Best Companies for DEI list stands as a powerful testament, affirming that fair access to opportunities is not merely a feel-good initiative but a transformative business imperative that can change the world. "BLACK ENTERPRISE is proud to unveil our distinguished roster of companies that have demonstrated an unwavering dedication to DEI across various dimensions, including their employee base, senior management, board of directors, and procurement," said BLACK ENTERPRISE's esteemed Executive Vice President & Chief Content Officer Derek Dingle. "Our diligent editorial research team conducted a comprehensive analysis, meticulously examining the ethnic and gender composition and the efficacy of programs aimed at nurturing an inclusive work environment. We thoroughly evaluated company standings by utilizing surveys, BLACK ENTERPRISE's wealth of diversity and corporate leadership data, as well as engaging with diversity departments and relevant organizations." BLACK ENTERPRISE proudly presents the 2023 List of the Best Companies for Diversity, Equity & Inclusion. The following companies have exemplified their dedication to fostering an inclusive and diverse workplace: ACCENTURE PLCADP INC.AFLAC INC.ALLSTATE CORP.AMEREN CORP.AMERICAN EXPRESS CO.ARAMARKAT&T INC.BANK OF AMERICA CORP.CIGNA CORP.CMS ENERGYTHE COCA-COLA CO.COMCAST CORP.COMERICA INC.CONSOLIDATED EDISON INC.DELTA AIR LINESDTE ENERGY CO.DUKE ENERGY CORP.ENTERGY CORP.EXELON CORP.FANNIE MAEFEDEX CORP.FORD MOTOR CO.GENERAL MILLS INC.GENERAL MOTORSIBMJC PENNEYJLLJOHNSON CONTROLSJP MORGAN CHASETHE KELLOGG CO.LILLYLOCKHEED MARTIN CORP.LOWE'S COS INC.MACY'S INC.MARRIOTT INTERNATIONAL, INC.MASTERCARDMCDONALD'S CORP.MERCKMGM RESORTS INTERNATIONALMORGAN STANLEYNATIONWIDENORTHWESTERN MUTUALPACIFIC GAS & ELECTRIC CO.PEPSICO INC.PNC FINANCIAL SERVICE GROUP INC.PRUDENTIAL FINANCIAL INC.SEMPRASOUTHERN CO.STATE FARMTIAATOYOTA MOTOR NORTH AMERICAU.S. BANKUNITED AIRLINES HOLDINGSUPSVERIZON COMMUNICATIONSWALGREENS BOOTS ALLIANCEWALMART STORES INC.WELLS FARGO & CO.XEROXThe significance of DEI initiatives cannot be overstated when it comes to establishing an inclusive, forward-thinking, and fair workplace. In conjunction with the highly regarded Best Companies for DEI list, BLACK ENTERPRISE honored the remarkable individuals and organizations spearheading diversity and inclusion efforts. This distinguished recognition occurred at the Chief Diversity Officers Summit and Honors ceremony, hosted at the prestigious Rainbow Room in Rockefeller Center. By embracing diversity and actively championing inclusivity, companies can unlock their employees' full potential, drive remarkable business achievements, and foster a positive societal impact. To read the full list, please visit https://www.blackenterprise.com/chiefdiversitysummit/2023bestcompaniesfordiversity/. To stay up to date on upcoming BLACK ENTERPRISE announcements, visit blackenterprise.com and follow them on social media across Instagram, Twitter, and Facebook. About BLACK ENTERPRISE Founded in 1970, BLACK ENTERPRISE is a mission-centric publication focused on providing relevant information for success-minded people at every stage of their financial journey. Designed to highlight Black leadership and entrepreneurial journeys, BLACK ENTERPRISE reaches its audience through its events and linear and digital channels. BLACK ENTERPRISE aims to be a fountain of knowledge on the how to in achieving financial success. To learn more about the company, please visit blackenterprise.com and follow us on social media across Instagram, Twitter, and Facebook. View original content to download multimedia:https://www.prnewswire.com/news-releases/black-enterprise-announces-the-2023-best-companies-for-diversity-equity--inclusion-301867489.html SOURCE BLACK ENTERPRISE Alexander City, AL Zip Code Submit Upcoming Radar 7 Day Loading Support Local JournalismNow, more than ever, the world needs trustworthy reporting—but good journalism isn’t free. 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The City Journals | Educating | Entertaining | Informing | Press ReleasesBLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSIONPR NewswireThursday, June 29, 2023 at 7:45pm UTC BLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSION PR Newswire NEW YORK, June 29, 2023 The leading digital media company showcases the foremost 60 companies that champion inclusion and propel business success through their DEI initiatives. NEW YORK, June 29, 2023 /PRNewswire/ -- BLACK ENTERPRISE, the top Black digital media brand and premier business and financial resource for African Americans, proudly unveils its highly anticipated list of the "Best Companies for Diversity, Equity & Inclusion (DEI)." This robust list is back to highlight a select group of publicly traded corporations that have demonstrated an unwavering commitment to creating dynamic workforces, diverse corporate governance, expansive supply chains, and inclusive management. The post-pandemic era is marked by two powerful and defining forces: companies committed to addressing systemic inequities versus conservatives lashing out against the actions of so-called "woke" institutions. In this dynamic environment, BLACK ENTERPRISE firmly advocates for the importance of prioritizing DEI on the corporate agenda. The Best Companies for DEI list stands as a powerful testament, affirming that fair access to opportunities is not merely a feel-good initiative but a transformative business imperative that can change the world. "BLACK ENTERPRISE is proud to unveil our distinguished roster of companies that have demonstrated an unwavering dedication to DEI across various dimensions, including their employee base, senior management, board of directors, and procurement," said BLACK ENTERPRISE's esteemed Executive Vice President & Chief Content Officer Derek Dingle. "Our diligent editorial research team conducted a comprehensive analysis, meticulously examining the ethnic and gender composition and the efficacy of programs aimed at nurturing an inclusive work environment. We thoroughly evaluated company standings by utilizing surveys, BLACK ENTERPRISE's wealth of diversity and corporate leadership data, as well as engaging with diversity departments and relevant organizations." BLACK ENTERPRISE proudly presents the 2023 List of the Best Companies for Diversity, Equity & Inclusion. The following companies have exemplified their dedication to fostering an inclusive and diverse workplace: ACCENTURE PLCADP INC.AFLAC INC.ALLSTATE CORP.AMEREN CORP.AMERICAN EXPRESS CO.ARAMARKAT&T INC.BANK OF AMERICA CORP.CIGNA CORP.CMS ENERGYTHE COCA-COLA CO.COMCAST CORP.COMERICA INC.CONSOLIDATED EDISON INC.DELTA AIR LINESDTE ENERGY CO.DUKE ENERGY CORP.ENTERGY CORP.EXELON CORP.FANNIE MAEFEDEX CORP.FORD MOTOR CO.GENERAL MILLS INC.GENERAL MOTORSIBMJC PENNEYJLLJOHNSON CONTROLSJP MORGAN CHASETHE KELLOGG CO.LILLYLOCKHEED MARTIN CORP.LOWE'S COS INC.MACY'S INC.MARRIOTT INTERNATIONAL, INC.MASTERCARDMCDONALD'S CORP.MERCKMGM RESORTS INTERNATIONALMORGAN STANLEYNATIONWIDENORTHWESTERN MUTUALPACIFIC GAS & ELECTRIC CO.PEPSICO INC.PNC FINANCIAL SERVICE GROUP INC.PRUDENTIAL FINANCIAL INC.SEMPRASOUTHERN CO.STATE FARMTIAATOYOTA MOTOR NORTH AMERICAU.S. BANKUNITED AIRLINES HOLDINGSUPSVERIZON COMMUNICATIONSWALGREENS BOOTS ALLIANCEWALMART STORES INC.WELLS FARGO & CO.XEROXThe significance of DEI initiatives cannot be overstated when it comes to establishing an inclusive, forward-thinking, and fair workplace. In conjunction with the highly regarded Best Companies for DEI list, BLACK ENTERPRISE honored the remarkable individuals and organizations spearheading diversity and inclusion efforts. This distinguished recognition occurred at the Chief Diversity Officers Summit and Honors ceremony, hosted at the prestigious Rainbow Room in Rockefeller Center. By embracing diversity and actively championing inclusivity, companies can unlock their employees' full potential, drive remarkable business achievements, and foster a positive societal impact. To read the full list, please visit https://www.blackenterprise.com/chiefdiversitysummit/2023bestcompaniesfordiversity/. To stay up to date on upcoming BLACK ENTERPRISE announcements, visit blackenterprise.com and follow them on social media across Instagram, Twitter, and Facebook. About BLACK ENTERPRISE Founded in 1970, BLACK ENTERPRISE is a mission-centric publication focused on providing relevant information for success-minded people at every stage of their financial journey. Designed to highlight Black leadership and entrepreneurial journeys, BLACK ENTERPRISE reaches its audience through its events and linear and digital channels. BLACK ENTERPRISE aims to be a fountain of knowledge on the how to in achieving financial success. To learn more about the company, please visit blackenterprise.com and follow us on social media across Instagram, Twitter, and Facebook. View original content to download multimedia:https://www.prnewswire.com/news-releases/black-enterprise-announces-the-2023-best-companies-for-diversity-equity--inclusion-301867489.html SOURCE BLACK ENTERPRISE     Follow Us on Facebook The City Journals Follow Us on Twitter Tweets by MyCityJournals Follow Us on LinkedIn Advertise With Us   Skip to main content About Us Advertise Rack Locations More Journals Contact Us Write For Us News Sports Local Life Arts+Entertainment Education Business Food+Dining Directory Calendar Sponsored Content Submit an Event List Your Business Login/Join Search Search News Sports Local Life Arts+Entertainment Education Business Food+Dining Directory Calendar News Sports Local Life Arts+Entertainment Education Business Food+Dining Directory Calendar Sponsored Content 2023 | Powered by Locable | Terms of Service Submit an Event List Your Business Login/Join

Norwood - Local Town Pages | The Voice of Your Community | Press ReleasesBLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSIONPR NewswireThursday, June 29, 2023 at 7:45pm UTC BLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSION PR Newswire NEW YORK, June 29, 2023 The leading digital media company showcases the foremost 60 companies that champion inclusion and propel business success through their DEI initiatives. NEW YORK, June 29, 2023 /PRNewswire/ -- BLACK ENTERPRISE, the top Black digital media brand and premier business and financial resource for African Americans, proudly unveils its highly anticipated list of the "Best Companies for Diversity, Equity & Inclusion (DEI)." This robust list is back to highlight a select group of publicly traded corporations that have demonstrated an unwavering commitment to creating dynamic workforces, diverse corporate governance, expansive supply chains, and inclusive management. The post-pandemic era is marked by two powerful and defining forces: companies committed to addressing systemic inequities versus conservatives lashing out against the actions of so-called "woke" institutions. In this dynamic environment, BLACK ENTERPRISE firmly advocates for the importance of prioritizing DEI on the corporate agenda. The Best Companies for DEI list stands as a powerful testament, affirming that fair access to opportunities is not merely a feel-good initiative but a transformative business imperative that can change the world. "BLACK ENTERPRISE is proud to unveil our distinguished roster of companies that have demonstrated an unwavering dedication to DEI across various dimensions, including their employee base, senior management, board of directors, and procurement," said BLACK ENTERPRISE's esteemed Executive Vice President & Chief Content Officer Derek Dingle. "Our diligent editorial research team conducted a comprehensive analysis, meticulously examining the ethnic and gender composition and the efficacy of programs aimed at nurturing an inclusive work environment. We thoroughly evaluated company standings by utilizing surveys, BLACK ENTERPRISE's wealth of diversity and corporate leadership data, as well as engaging with diversity departments and relevant organizations." BLACK ENTERPRISE proudly presents the 2023 List of the Best Companies for Diversity, Equity & Inclusion. The following companies have exemplified their dedication to fostering an inclusive and diverse workplace: ACCENTURE PLCADP INC.AFLAC INC.ALLSTATE CORP.AMEREN CORP.AMERICAN EXPRESS CO.ARAMARKAT&T INC.BANK OF AMERICA CORP.CIGNA CORP.CMS ENERGYTHE COCA-COLA CO.COMCAST CORP.COMERICA INC.CONSOLIDATED EDISON INC.DELTA AIR LINESDTE ENERGY CO.DUKE ENERGY CORP.ENTERGY CORP.EXELON CORP.FANNIE MAEFEDEX CORP.FORD MOTOR CO.GENERAL MILLS INC.GENERAL MOTORSIBMJC PENNEYJLLJOHNSON CONTROLSJP MORGAN CHASETHE KELLOGG CO.LILLYLOCKHEED MARTIN CORP.LOWE'S COS INC.MACY'S INC.MARRIOTT INTERNATIONAL, INC.MASTERCARDMCDONALD'S CORP.MERCKMGM RESORTS INTERNATIONALMORGAN STANLEYNATIONWIDENORTHWESTERN MUTUALPACIFIC GAS & ELECTRIC CO.PEPSICO INC.PNC FINANCIAL SERVICE GROUP INC.PRUDENTIAL FINANCIAL INC.SEMPRASOUTHERN CO.STATE FARMTIAATOYOTA MOTOR NORTH AMERICAU.S. BANKUNITED AIRLINES HOLDINGSUPSVERIZON COMMUNICATIONSWALGREENS BOOTS ALLIANCEWALMART STORES INC.WELLS FARGO & CO.XEROXThe significance of DEI initiatives cannot be overstated when it comes to establishing an inclusive, forward-thinking, and fair workplace. In conjunction with the highly regarded Best Companies for DEI list, BLACK ENTERPRISE honored the remarkable individuals and organizations spearheading diversity and inclusion efforts. This distinguished recognition occurred at the Chief Diversity Officers Summit and Honors ceremony, hosted at the prestigious Rainbow Room in Rockefeller Center. By embracing diversity and actively championing inclusivity, companies can unlock their employees' full potential, drive remarkable business achievements, and foster a positive societal impact. To read the full list, please visit https://www.blackenterprise.com/chiefdiversitysummit/2023bestcompaniesfordiversity/. To stay up to date on upcoming BLACK ENTERPRISE announcements, visit blackenterprise.com and follow them on social media across Instagram, Twitter, and Facebook. About BLACK ENTERPRISE Founded in 1970, BLACK ENTERPRISE is a mission-centric publication focused on providing relevant information for success-minded people at every stage of their financial journey. Designed to highlight Black leadership and entrepreneurial journeys, BLACK ENTERPRISE reaches its audience through its events and linear and digital channels. BLACK ENTERPRISE aims to be a fountain of knowledge on the how to in achieving financial success. To learn more about the company, please visit blackenterprise.com and follow us on social media across Instagram, Twitter, and Facebook. View original content to download multimedia:https://www.prnewswire.com/news-releases/black-enterprise-announces-the-2023-best-companies-for-diversity-equity--inclusion-301867489.html SOURCE BLACK ENTERPRISE In This Issue Read it Now Archives Norwood Town News Skip to main content Our Newspapers Ashland Bellingham Franklin Holliston Hopedale Medway/Millis Natick Norfolk/Wrentham The Yankee Express About Us Contact Us Advertise Latest Issue Archives News Arts & Education Food & Entertainment Healthy Living Real Estate Calendar of Events Sports Community Community Announcements Post a Community Announcement Local Services Business Spotlight Professional Services Submit an Event List Your Business Login/Join Search Search News Arts & Education Food & Entertainment Healthy Living Real Estate Calendar of Events Sports Community Community Announcements Post a Community Announcement Local Services Business Spotlight Professional Services News Arts & Education Food & Entertainment Healthy Living Real Estate Calendar of Events Sports Community Community Announcements Post a Community Announcement Local Services Business Spotlight Professional Services 2023 | Powered by Locable | Terms of Service Submit an Event List Your Business Login/Join

Greenville Business Magazine | Your Business Resource for Greenville Metro & Upstate South Carolina | Press ReleasesBLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSIONPR NewswireThursday, June 29, 2023 at 7:45pm UTC BLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSION PR Newswire NEW YORK, June 29, 2023 The leading digital media company showcases the foremost 60 companies that champion inclusion and propel business success through their DEI initiatives. NEW YORK, June 29, 2023 /PRNewswire/ -- BLACK ENTERPRISE, the top Black digital media brand and premier business and financial resource for African Americans, proudly unveils its highly anticipated list of the "Best Companies for Diversity, Equity & Inclusion (DEI)." This robust list is back to highlight a select group of publicly traded corporations that have demonstrated an unwavering commitment to creating dynamic workforces, diverse corporate governance, expansive supply chains, and inclusive management. The post-pandemic era is marked by two powerful and defining forces: companies committed to addressing systemic inequities versus conservatives lashing out against the actions of so-called "woke" institutions. In this dynamic environment, BLACK ENTERPRISE firmly advocates for the importance of prioritizing DEI on the corporate agenda. The Best Companies for DEI list stands as a powerful testament, affirming that fair access to opportunities is not merely a feel-good initiative but a transformative business imperative that can change the world. "BLACK ENTERPRISE is proud to unveil our distinguished roster of companies that have demonstrated an unwavering dedication to DEI across various dimensions, including their employee base, senior management, board of directors, and procurement," said BLACK ENTERPRISE's esteemed Executive Vice President & Chief Content Officer Derek Dingle. "Our diligent editorial research team conducted a comprehensive analysis, meticulously examining the ethnic and gender composition and the efficacy of programs aimed at nurturing an inclusive work environment. We thoroughly evaluated company standings by utilizing surveys, BLACK ENTERPRISE's wealth of diversity and corporate leadership data, as well as engaging with diversity departments and relevant organizations." BLACK ENTERPRISE proudly presents the 2023 List of the Best Companies for Diversity, Equity & Inclusion. The following companies have exemplified their dedication to fostering an inclusive and diverse workplace: ACCENTURE PLCADP INC.AFLAC INC.ALLSTATE CORP.AMEREN CORP.AMERICAN EXPRESS CO.ARAMARKAT&T INC.BANK OF AMERICA CORP.CIGNA CORP.CMS ENERGYTHE COCA-COLA CO.COMCAST CORP.COMERICA INC.CONSOLIDATED EDISON INC.DELTA AIR LINESDTE ENERGY CO.DUKE ENERGY CORP.ENTERGY CORP.EXELON CORP.FANNIE MAEFEDEX CORP.FORD MOTOR CO.GENERAL MILLS INC.GENERAL MOTORSIBMJC PENNEYJLLJOHNSON CONTROLSJP MORGAN CHASETHE KELLOGG CO.LILLYLOCKHEED MARTIN CORP.LOWE'S COS INC.MACY'S INC.MARRIOTT INTERNATIONAL, INC.MASTERCARDMCDONALD'S CORP.MERCKMGM RESORTS INTERNATIONALMORGAN STANLEYNATIONWIDENORTHWESTERN MUTUALPACIFIC GAS & ELECTRIC CO.PEPSICO INC.PNC FINANCIAL SERVICE GROUP INC.PRUDENTIAL FINANCIAL INC.SEMPRASOUTHERN CO.STATE FARMTIAATOYOTA MOTOR NORTH AMERICAU.S. BANKUNITED AIRLINES HOLDINGSUPSVERIZON COMMUNICATIONSWALGREENS BOOTS ALLIANCEWALMART STORES INC.WELLS FARGO & CO.XEROXThe significance of DEI initiatives cannot be overstated when it comes to establishing an inclusive, forward-thinking, and fair workplace. In conjunction with the highly regarded Best Companies for DEI list, BLACK ENTERPRISE honored the remarkable individuals and organizations spearheading diversity and inclusion efforts. This distinguished recognition occurred at the Chief Diversity Officers Summit and Honors ceremony, hosted at the prestigious Rainbow Room in Rockefeller Center. By embracing diversity and actively championing inclusivity, companies can unlock their employees' full potential, drive remarkable business achievements, and foster a positive societal impact. To read the full list, please visit https://www.blackenterprise.com/chiefdiversitysummit/2023bestcompaniesfordiversity/. To stay up to date on upcoming BLACK ENTERPRISE announcements, visit blackenterprise.com and follow them on social media across Instagram, Twitter, and Facebook. About BLACK ENTERPRISE Founded in 1970, BLACK ENTERPRISE is a mission-centric publication focused on providing relevant information for success-minded people at every stage of their financial journey. Designed to highlight Black leadership and entrepreneurial journeys, BLACK ENTERPRISE reaches its audience through its events and linear and digital channels. BLACK ENTERPRISE aims to be a fountain of knowledge on the how to in achieving financial success. To learn more about the company, please visit blackenterprise.com and follow us on social media across Instagram, Twitter, and Facebook. View original content to download multimedia:https://www.prnewswire.com/news-releases/black-enterprise-announces-the-2023-best-companies-for-diversity-equity--inclusion-301867489.html SOURCE BLACK ENTERPRISE Greenville Business Magazine Skip to main content Nominate About Us Subscribe Events Commercial Real Estate Webinars Enterprise Viewpoints Calendar Directory Advice Nominate The Business Narrative Sponsored Content Submit an Event List Your Business Login/Join Search Search Enterprise Viewpoints Calendar Directory Advice Nominate The Business Narrative Enterprise Viewpoints Calendar Directory Advice Nominate The Business Narrative Sponsored Content 2023 | Powered by Locable | Terms of Service Submit an Event List Your Business Login/Join

Claiborne Progress | Claiborne Progress | Press ReleasesBLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSIONPR NewswireThursday, June 29, 2023 at 7:45pm UTC BLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSION PR Newswire NEW YORK, June 29, 2023 The leading digital media company showcases the foremost 60 companies that champion inclusion and propel business success through their DEI initiatives. NEW YORK, June 29, 2023 /PRNewswire/ -- BLACK ENTERPRISE, the top Black digital media brand and premier business and financial resource for African Americans, proudly unveils its highly anticipated list of the "Best Companies for Diversity, Equity & Inclusion (DEI)." This robust list is back to highlight a select group of publicly traded corporations that have demonstrated an unwavering commitment to creating dynamic workforces, diverse corporate governance, expansive supply chains, and inclusive management. The post-pandemic era is marked by two powerful and defining forces: companies committed to addressing systemic inequities versus conservatives lashing out against the actions of so-called "woke" institutions. In this dynamic environment, BLACK ENTERPRISE firmly advocates for the importance of prioritizing DEI on the corporate agenda. The Best Companies for DEI list stands as a powerful testament, affirming that fair access to opportunities is not merely a feel-good initiative but a transformative business imperative that can change the world. "BLACK ENTERPRISE is proud to unveil our distinguished roster of companies that have demonstrated an unwavering dedication to DEI across various dimensions, including their employee base, senior management, board of directors, and procurement," said BLACK ENTERPRISE's esteemed Executive Vice President & Chief Content Officer Derek Dingle. "Our diligent editorial research team conducted a comprehensive analysis, meticulously examining the ethnic and gender composition and the efficacy of programs aimed at nurturing an inclusive work environment. We thoroughly evaluated company standings by utilizing surveys, BLACK ENTERPRISE's wealth of diversity and corporate leadership data, as well as engaging with diversity departments and relevant organizations." BLACK ENTERPRISE proudly presents the 2023 List of the Best Companies for Diversity, Equity & Inclusion. The following companies have exemplified their dedication to fostering an inclusive and diverse workplace: ACCENTURE PLCADP INC.AFLAC INC.ALLSTATE CORP.AMEREN CORP.AMERICAN EXPRESS CO.ARAMARKAT&T INC.BANK OF AMERICA CORP.CIGNA CORP.CMS ENERGYTHE COCA-COLA CO.COMCAST CORP.COMERICA INC.CONSOLIDATED EDISON INC.DELTA AIR LINESDTE ENERGY CO.DUKE ENERGY CORP.ENTERGY CORP.EXELON CORP.FANNIE MAEFEDEX CORP.FORD MOTOR CO.GENERAL MILLS INC.GENERAL MOTORSIBMJC PENNEYJLLJOHNSON CONTROLSJP MORGAN CHASETHE KELLOGG CO.LILLYLOCKHEED MARTIN CORP.LOWE'S COS INC.MACY'S INC.MARRIOTT INTERNATIONAL, INC.MASTERCARDMCDONALD'S CORP.MERCKMGM RESORTS INTERNATIONALMORGAN STANLEYNATIONWIDENORTHWESTERN MUTUALPACIFIC GAS & ELECTRIC CO.PEPSICO INC.PNC FINANCIAL SERVICE GROUP INC.PRUDENTIAL FINANCIAL INC.SEMPRASOUTHERN CO.STATE FARMTIAATOYOTA MOTOR NORTH AMERICAU.S. BANKUNITED AIRLINES HOLDINGSUPSVERIZON COMMUNICATIONSWALGREENS BOOTS ALLIANCEWALMART STORES INC.WELLS FARGO & CO.XEROXThe significance of DEI initiatives cannot be overstated when it comes to establishing an inclusive, forward-thinking, and fair workplace. In conjunction with the highly regarded Best Companies for DEI list, BLACK ENTERPRISE honored the remarkable individuals and organizations spearheading diversity and inclusion efforts. This distinguished recognition occurred at the Chief Diversity Officers Summit and Honors ceremony, hosted at the prestigious Rainbow Room in Rockefeller Center. By embracing diversity and actively championing inclusivity, companies can unlock their employees' full potential, drive remarkable business achievements, and foster a positive societal impact. To read the full list, please visit https://www.blackenterprise.com/chiefdiversitysummit/2023bestcompaniesfordiversity/. To stay up to date on upcoming BLACK ENTERPRISE announcements, visit blackenterprise.com and follow them on social media across Instagram, Twitter, and Facebook. About BLACK ENTERPRISE Founded in 1970, BLACK ENTERPRISE is a mission-centric publication focused on providing relevant information for success-minded people at every stage of their financial journey. Designed to highlight Black leadership and entrepreneurial journeys, BLACK ENTERPRISE reaches its audience through its events and linear and digital channels. BLACK ENTERPRISE aims to be a fountain of knowledge on the how to in achieving financial success. To learn more about the company, please visit blackenterprise.com and follow us on social media across Instagram, Twitter, and Facebook. View original content to download multimedia:https://www.prnewswire.com/news-releases/black-enterprise-announces-the-2023-best-companies-for-diversity-equity--inclusion-301867489.html SOURCE BLACK ENTERPRISE Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to email a link to a friend (Opens in new window)Click to print (Opens in new window) Subscribe Home News Sports Opinion Obituaries Features Classifieds Contests Services About Us Policies News Tip Submit a Photo Anniversary Announcement Engagement Announcement Wedding Announcement Letter to Editor E-Edition Weather Calendar Public Notices Sections Home News Sports Obituaries Opinion Contests Classifieds Services About Us Subscriptions Policies News Tip Submit a Photo Submit Sports Story Letter to Editor Copyright © , Claiborne Progress

Columbia Business Monthly | Your Business Resource for Columbia & The Midlands | Press ReleasesBLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSIONPR NewswireThursday, June 29, 2023 at 7:45pm UTC BLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSION PR Newswire NEW YORK, June 29, 2023 The leading digital media company showcases the foremost 60 companies that champion inclusion and propel business success through their DEI initiatives. NEW YORK, June 29, 2023 /PRNewswire/ -- BLACK ENTERPRISE, the top Black digital media brand and premier business and financial resource for African Americans, proudly unveils its highly anticipated list of the "Best Companies for Diversity, Equity & Inclusion (DEI)." This robust list is back to highlight a select group of publicly traded corporations that have demonstrated an unwavering commitment to creating dynamic workforces, diverse corporate governance, expansive supply chains, and inclusive management. The post-pandemic era is marked by two powerful and defining forces: companies committed to addressing systemic inequities versus conservatives lashing out against the actions of so-called "woke" institutions. In this dynamic environment, BLACK ENTERPRISE firmly advocates for the importance of prioritizing DEI on the corporate agenda. The Best Companies for DEI list stands as a powerful testament, affirming that fair access to opportunities is not merely a feel-good initiative but a transformative business imperative that can change the world. "BLACK ENTERPRISE is proud to unveil our distinguished roster of companies that have demonstrated an unwavering dedication to DEI across various dimensions, including their employee base, senior management, board of directors, and procurement," said BLACK ENTERPRISE's esteemed Executive Vice President & Chief Content Officer Derek Dingle. "Our diligent editorial research team conducted a comprehensive analysis, meticulously examining the ethnic and gender composition and the efficacy of programs aimed at nurturing an inclusive work environment. We thoroughly evaluated company standings by utilizing surveys, BLACK ENTERPRISE's wealth of diversity and corporate leadership data, as well as engaging with diversity departments and relevant organizations." BLACK ENTERPRISE proudly presents the 2023 List of the Best Companies for Diversity, Equity & Inclusion. The following companies have exemplified their dedication to fostering an inclusive and diverse workplace: ACCENTURE PLCADP INC.AFLAC INC.ALLSTATE CORP.AMEREN CORP.AMERICAN EXPRESS CO.ARAMARKAT&T INC.BANK OF AMERICA CORP.CIGNA CORP.CMS ENERGYTHE COCA-COLA CO.COMCAST CORP.COMERICA INC.CONSOLIDATED EDISON INC.DELTA AIR LINESDTE ENERGY CO.DUKE ENERGY CORP.ENTERGY CORP.EXELON CORP.FANNIE MAEFEDEX CORP.FORD MOTOR CO.GENERAL MILLS INC.GENERAL MOTORSIBMJC PENNEYJLLJOHNSON CONTROLSJP MORGAN CHASETHE KELLOGG CO.LILLYLOCKHEED MARTIN CORP.LOWE'S COS INC.MACY'S INC.MARRIOTT INTERNATIONAL, INC.MASTERCARDMCDONALD'S CORP.MERCKMGM RESORTS INTERNATIONALMORGAN STANLEYNATIONWIDENORTHWESTERN MUTUALPACIFIC GAS & ELECTRIC CO.PEPSICO INC.PNC FINANCIAL SERVICE GROUP INC.PRUDENTIAL FINANCIAL INC.SEMPRASOUTHERN CO.STATE FARMTIAATOYOTA MOTOR NORTH AMERICAU.S. BANKUNITED AIRLINES HOLDINGSUPSVERIZON COMMUNICATIONSWALGREENS BOOTS ALLIANCEWALMART STORES INC.WELLS FARGO & CO.XEROXThe significance of DEI initiatives cannot be overstated when it comes to establishing an inclusive, forward-thinking, and fair workplace. In conjunction with the highly regarded Best Companies for DEI list, BLACK ENTERPRISE honored the remarkable individuals and organizations spearheading diversity and inclusion efforts. This distinguished recognition occurred at the Chief Diversity Officers Summit and Honors ceremony, hosted at the prestigious Rainbow Room in Rockefeller Center. By embracing diversity and actively championing inclusivity, companies can unlock their employees' full potential, drive remarkable business achievements, and foster a positive societal impact. To read the full list, please visit https://www.blackenterprise.com/chiefdiversitysummit/2023bestcompaniesfordiversity/. To stay up to date on upcoming BLACK ENTERPRISE announcements, visit blackenterprise.com and follow them on social media across Instagram, Twitter, and Facebook. About BLACK ENTERPRISE Founded in 1970, BLACK ENTERPRISE is a mission-centric publication focused on providing relevant information for success-minded people at every stage of their financial journey. Designed to highlight Black leadership and entrepreneurial journeys, BLACK ENTERPRISE reaches its audience through its events and linear and digital channels. BLACK ENTERPRISE aims to be a fountain of knowledge on the how to in achieving financial success. To learn more about the company, please visit blackenterprise.com and follow us on social media across Instagram, Twitter, and Facebook. View original content to download multimedia:https://www.prnewswire.com/news-releases/black-enterprise-announces-the-2023-best-companies-for-diversity-equity--inclusion-301867489.html SOURCE BLACK ENTERPRISE Columbia Business Monthly Skip to main content About Us Nominate Subscribe Commercial Real Estate SC Best in Business Enterprise Viewpoints SC Fastest Growing Calendar Directory Advice Nominate SC Best in Business The Business Narrative Submit an Event List Your Business Login/Join Search Search Enterprise Viewpoints SC Fastest Growing Calendar Directory Advice Nominate SC Best in Business The Business Narrative Enterprise Viewpoints SC Fastest Growing Calendar Directory Advice Nominate SC Best in Business The Business Narrative 2023 | Powered by Locable | Terms of Service Submit an Event List Your Business Login/Join

Small Business | The TribuneBLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSIONPR NewswireThursday, June 29, 2023 at 7:45pm UTC BLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSION PR Newswire NEW YORK, June 29, 2023 The leading digital media company showcases the foremost 60 companies that champion inclusion and propel business success through their DEI initiatives. NEW YORK, June 29, 2023 /PRNewswire/ -- BLACK ENTERPRISE, the top Black digital media brand and premier business and financial resource for African Americans, proudly unveils its highly anticipated list of the "Best Companies for Diversity, Equity & Inclusion (DEI)." This robust list is back to highlight a select group of publicly traded corporations that have demonstrated an unwavering commitment to creating dynamic workforces, diverse corporate governance, expansive supply chains, and inclusive management. The post-pandemic era is marked by two powerful and defining forces: companies committed to addressing systemic inequities versus conservatives lashing out against the actions of so-called "woke" institutions. In this dynamic environment, BLACK ENTERPRISE firmly advocates for the importance of prioritizing DEI on the corporate agenda. The Best Companies for DEI list stands as a powerful testament, affirming that fair access to opportunities is not merely a feel-good initiative but a transformative business imperative that can change the world. "BLACK ENTERPRISE is proud to unveil our distinguished roster of companies that have demonstrated an unwavering dedication to DEI across various dimensions, including their employee base, senior management, board of directors, and procurement," said BLACK ENTERPRISE's esteemed Executive Vice President & Chief Content Officer Derek Dingle. "Our diligent editorial research team conducted a comprehensive analysis, meticulously examining the ethnic and gender composition and the efficacy of programs aimed at nurturing an inclusive work environment. We thoroughly evaluated company standings by utilizing surveys, BLACK ENTERPRISE's wealth of diversity and corporate leadership data, as well as engaging with diversity departments and relevant organizations." BLACK ENTERPRISE proudly presents the 2023 List of the Best Companies for Diversity, Equity & Inclusion. The following companies have exemplified their dedication to fostering an inclusive and diverse workplace: ACCENTURE PLCADP INC.AFLAC INC.ALLSTATE CORP.AMEREN CORP.AMERICAN EXPRESS CO.ARAMARKAT&T INC.BANK OF AMERICA CORP.CIGNA CORP.CMS ENERGYTHE COCA-COLA CO.COMCAST CORP.COMERICA INC.CONSOLIDATED EDISON INC.DELTA AIR LINESDTE ENERGY CO.DUKE ENERGY CORP.ENTERGY CORP.EXELON CORP.FANNIE MAEFEDEX CORP.FORD MOTOR CO.GENERAL MILLS INC.GENERAL MOTORSIBMJC PENNEYJLLJOHNSON CONTROLSJP MORGAN CHASETHE KELLOGG CO.LILLYLOCKHEED MARTIN CORP.LOWE'S COS INC.MACY'S INC.MARRIOTT INTERNATIONAL, INC.MASTERCARDMCDONALD'S CORP.MERCKMGM RESORTS INTERNATIONALMORGAN STANLEYNATIONWIDENORTHWESTERN MUTUALPACIFIC GAS & ELECTRIC CO.PEPSICO INC.PNC FINANCIAL SERVICE GROUP INC.PRUDENTIAL FINANCIAL INC.SEMPRASOUTHERN CO.STATE FARMTIAATOYOTA MOTOR NORTH AMERICAU.S. BANKUNITED AIRLINES HOLDINGSUPSVERIZON COMMUNICATIONSWALGREENS BOOTS ALLIANCEWALMART STORES INC.WELLS FARGO & CO.XEROXThe significance of DEI initiatives cannot be overstated when it comes to establishing an inclusive, forward-thinking, and fair workplace. In conjunction with the highly regarded Best Companies for DEI list, BLACK ENTERPRISE honored the remarkable individuals and organizations spearheading diversity and inclusion efforts. This distinguished recognition occurred at the Chief Diversity Officers Summit and Honors ceremony, hosted at the prestigious Rainbow Room in Rockefeller Center. By embracing diversity and actively championing inclusivity, companies can unlock their employees' full potential, drive remarkable business achievements, and foster a positive societal impact. To read the full list, please visit https://www.blackenterprise.com/chiefdiversitysummit/2023bestcompaniesfordiversity/. To stay up to date on upcoming BLACK ENTERPRISE announcements, visit blackenterprise.com and follow them on social media across Instagram, Twitter, and Facebook. About BLACK ENTERPRISE Founded in 1970, BLACK ENTERPRISE is a mission-centric publication focused on providing relevant information for success-minded people at every stage of their financial journey. Designed to highlight Black leadership and entrepreneurial journeys, BLACK ENTERPRISE reaches its audience through its events and linear and digital channels. BLACK ENTERPRISE aims to be a fountain of knowledge on the how to in achieving financial success. To learn more about the company, please visit blackenterprise.com and follow us on social media across Instagram, Twitter, and Facebook. View original content to download multimedia:https://www.prnewswire.com/news-releases/black-enterprise-announces-the-2023-best-companies-for-diversity-equity--inclusion-301867489.html SOURCE BLACK ENTERPRISE Subscribe Home News Lifestyles Business Gallery Sports Opinion Obituaries Records Contests Classifieds Tri-State Living Magazine Public Notices E-Edition Opioid Crisis Sections Home News Sports Opinion Classifieds Small Business Services About Us Policies Submit a News Tip Submit a Photo Engagement Announcement Wedding Announcement Submit A Classified Advertisement Submit a Letter to the Editor Copyright © 2021, The Tribune

Small Business - Mississippi's Best Community Newspaper | Mississippi's Best Community NewspaperBLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSIONPR NewswireThursday, June 29, 2023 at 7:45pm UTC BLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSION PR Newswire NEW YORK, June 29, 2023 The leading digital media company showcases the foremost 60 companies that champion inclusion and propel business success through their DEI initiatives. NEW YORK, June 29, 2023 /PRNewswire/ -- BLACK ENTERPRISE, the top Black digital media brand and premier business and financial resource for African Americans, proudly unveils its highly anticipated list of the "Best Companies for Diversity, Equity & Inclusion (DEI)." This robust list is back to highlight a select group of publicly traded corporations that have demonstrated an unwavering commitment to creating dynamic workforces, diverse corporate governance, expansive supply chains, and inclusive management. The post-pandemic era is marked by two powerful and defining forces: companies committed to addressing systemic inequities versus conservatives lashing out against the actions of so-called "woke" institutions. In this dynamic environment, BLACK ENTERPRISE firmly advocates for the importance of prioritizing DEI on the corporate agenda. The Best Companies for DEI list stands as a powerful testament, affirming that fair access to opportunities is not merely a feel-good initiative but a transformative business imperative that can change the world. "BLACK ENTERPRISE is proud to unveil our distinguished roster of companies that have demonstrated an unwavering dedication to DEI across various dimensions, including their employee base, senior management, board of directors, and procurement," said BLACK ENTERPRISE's esteemed Executive Vice President & Chief Content Officer Derek Dingle. "Our diligent editorial research team conducted a comprehensive analysis, meticulously examining the ethnic and gender composition and the efficacy of programs aimed at nurturing an inclusive work environment. We thoroughly evaluated company standings by utilizing surveys, BLACK ENTERPRISE's wealth of diversity and corporate leadership data, as well as engaging with diversity departments and relevant organizations." BLACK ENTERPRISE proudly presents the 2023 List of the Best Companies for Diversity, Equity & Inclusion. The following companies have exemplified their dedication to fostering an inclusive and diverse workplace: ACCENTURE PLCADP INC.AFLAC INC.ALLSTATE CORP.AMEREN CORP.AMERICAN EXPRESS CO.ARAMARKAT&T INC.BANK OF AMERICA CORP.CIGNA CORP.CMS ENERGYTHE COCA-COLA CO.COMCAST CORP.COMERICA INC.CONSOLIDATED EDISON INC.DELTA AIR LINESDTE ENERGY CO.DUKE ENERGY CORP.ENTERGY CORP.EXELON CORP.FANNIE MAEFEDEX CORP.FORD MOTOR CO.GENERAL MILLS INC.GENERAL MOTORSIBMJC PENNEYJLLJOHNSON CONTROLSJP MORGAN CHASETHE KELLOGG CO.LILLYLOCKHEED MARTIN CORP.LOWE'S COS INC.MACY'S INC.MARRIOTT INTERNATIONAL, INC.MASTERCARDMCDONALD'S CORP.MERCKMGM RESORTS INTERNATIONALMORGAN STANLEYNATIONWIDENORTHWESTERN MUTUALPACIFIC GAS & ELECTRIC CO.PEPSICO INC.PNC FINANCIAL SERVICE GROUP INC.PRUDENTIAL FINANCIAL INC.SEMPRASOUTHERN CO.STATE FARMTIAATOYOTA MOTOR NORTH AMERICAU.S. BANKUNITED AIRLINES HOLDINGSUPSVERIZON COMMUNICATIONSWALGREENS BOOTS ALLIANCEWALMART STORES INC.WELLS FARGO & CO.XEROXThe significance of DEI initiatives cannot be overstated when it comes to establishing an inclusive, forward-thinking, and fair workplace. In conjunction with the highly regarded Best Companies for DEI list, BLACK ENTERPRISE honored the remarkable individuals and organizations spearheading diversity and inclusion efforts. This distinguished recognition occurred at the Chief Diversity Officers Summit and Honors ceremony, hosted at the prestigious Rainbow Room in Rockefeller Center. By embracing diversity and actively championing inclusivity, companies can unlock their employees' full potential, drive remarkable business achievements, and foster a positive societal impact. To read the full list, please visit https://www.blackenterprise.com/chiefdiversitysummit/2023bestcompaniesfordiversity/. To stay up to date on upcoming BLACK ENTERPRISE announcements, visit blackenterprise.com and follow them on social media across Instagram, Twitter, and Facebook. About BLACK ENTERPRISE Founded in 1970, BLACK ENTERPRISE is a mission-centric publication focused on providing relevant information for success-minded people at every stage of their financial journey. Designed to highlight Black leadership and entrepreneurial journeys, BLACK ENTERPRISE reaches its audience through its events and linear and digital channels. BLACK ENTERPRISE aims to be a fountain of knowledge on the how to in achieving financial success. To learn more about the company, please visit blackenterprise.com and follow us on social media across Instagram, Twitter, and Facebook. View original content to download multimedia:https://www.prnewswire.com/news-releases/black-enterprise-announces-the-2023-best-companies-for-diversity-equity--inclusion-301867489.html SOURCE BLACK ENTERPRISE Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to email this to a friend (Opens in new window)Click to print (Opens in new window) Subscribe Home News Sports Obituaries Records Classifieds E-Edition Contests Services Submit a Photo Submit a News Tip Contact Us Tracings Send to Email Address Your Name Your Email Address Cancel Post was not sent - check your email addresses! Email check failed, please try again Sorry, your blog cannot share posts by email. Sections Home News Sports Obituaries Records Classifieds E-Edition Contests Tracings Services About Us Subscribe Policies Terms of use Submit a Photo Submit a News Tip Copyright © 2021, Mississippi's Best Community Newspaper

Small Business - The Coastland Times | The Coastland TimesBLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSIONPR NewswireThursday, June 29, 2023 at 7:45pm UTC BLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSION PR Newswire NEW YORK, June 29, 2023 The leading digital media company showcases the foremost 60 companies that champion inclusion and propel business success through their DEI initiatives. NEW YORK, June 29, 2023 /PRNewswire/ -- BLACK ENTERPRISE, the top Black digital media brand and premier business and financial resource for African Americans, proudly unveils its highly anticipated list of the "Best Companies for Diversity, Equity & Inclusion (DEI)." This robust list is back to highlight a select group of publicly traded corporations that have demonstrated an unwavering commitment to creating dynamic workforces, diverse corporate governance, expansive supply chains, and inclusive management. The post-pandemic era is marked by two powerful and defining forces: companies committed to addressing systemic inequities versus conservatives lashing out against the actions of so-called "woke" institutions. In this dynamic environment, BLACK ENTERPRISE firmly advocates for the importance of prioritizing DEI on the corporate agenda. The Best Companies for DEI list stands as a powerful testament, affirming that fair access to opportunities is not merely a feel-good initiative but a transformative business imperative that can change the world. "BLACK ENTERPRISE is proud to unveil our distinguished roster of companies that have demonstrated an unwavering dedication to DEI across various dimensions, including their employee base, senior management, board of directors, and procurement," said BLACK ENTERPRISE's esteemed Executive Vice President & Chief Content Officer Derek Dingle. "Our diligent editorial research team conducted a comprehensive analysis, meticulously examining the ethnic and gender composition and the efficacy of programs aimed at nurturing an inclusive work environment. We thoroughly evaluated company standings by utilizing surveys, BLACK ENTERPRISE's wealth of diversity and corporate leadership data, as well as engaging with diversity departments and relevant organizations." BLACK ENTERPRISE proudly presents the 2023 List of the Best Companies for Diversity, Equity & Inclusion. The following companies have exemplified their dedication to fostering an inclusive and diverse workplace: ACCENTURE PLCADP INC.AFLAC INC.ALLSTATE CORP.AMEREN CORP.AMERICAN EXPRESS CO.ARAMARKAT&T INC.BANK OF AMERICA CORP.CIGNA CORP.CMS ENERGYTHE COCA-COLA CO.COMCAST CORP.COMERICA INC.CONSOLIDATED EDISON INC.DELTA AIR LINESDTE ENERGY CO.DUKE ENERGY CORP.ENTERGY CORP.EXELON CORP.FANNIE MAEFEDEX CORP.FORD MOTOR CO.GENERAL MILLS INC.GENERAL MOTORSIBMJC PENNEYJLLJOHNSON CONTROLSJP MORGAN CHASETHE KELLOGG CO.LILLYLOCKHEED MARTIN CORP.LOWE'S COS INC.MACY'S INC.MARRIOTT INTERNATIONAL, INC.MASTERCARDMCDONALD'S CORP.MERCKMGM RESORTS INTERNATIONALMORGAN STANLEYNATIONWIDENORTHWESTERN MUTUALPACIFIC GAS & ELECTRIC CO.PEPSICO INC.PNC FINANCIAL SERVICE GROUP INC.PRUDENTIAL FINANCIAL INC.SEMPRASOUTHERN CO.STATE FARMTIAATOYOTA MOTOR NORTH AMERICAU.S. BANKUNITED AIRLINES HOLDINGSUPSVERIZON COMMUNICATIONSWALGREENS BOOTS ALLIANCEWALMART STORES INC.WELLS FARGO & CO.XEROXThe significance of DEI initiatives cannot be overstated when it comes to establishing an inclusive, forward-thinking, and fair workplace. In conjunction with the highly regarded Best Companies for DEI list, BLACK ENTERPRISE honored the remarkable individuals and organizations spearheading diversity and inclusion efforts. This distinguished recognition occurred at the Chief Diversity Officers Summit and Honors ceremony, hosted at the prestigious Rainbow Room in Rockefeller Center. By embracing diversity and actively championing inclusivity, companies can unlock their employees' full potential, drive remarkable business achievements, and foster a positive societal impact. To read the full list, please visit https://www.blackenterprise.com/chiefdiversitysummit/2023bestcompaniesfordiversity/. To stay up to date on upcoming BLACK ENTERPRISE announcements, visit blackenterprise.com and follow them on social media across Instagram, Twitter, and Facebook. About BLACK ENTERPRISE Founded in 1970, BLACK ENTERPRISE is a mission-centric publication focused on providing relevant information for success-minded people at every stage of their financial journey. Designed to highlight Black leadership and entrepreneurial journeys, BLACK ENTERPRISE reaches its audience through its events and linear and digital channels. BLACK ENTERPRISE aims to be a fountain of knowledge on the how to in achieving financial success. To learn more about the company, please visit blackenterprise.com and follow us on social media across Instagram, Twitter, and Facebook. View original content to download multimedia:https://www.prnewswire.com/news-releases/black-enterprise-announces-the-2023-best-companies-for-diversity-equity--inclusion-301867489.html SOURCE BLACK ENTERPRISE Polls How are you voting in this election? On election day. During the early voting period. Absentee/by mail. Not at all. View Results  Loading ... 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Sandy Utah News | Educating | Entertaining | Informing | Press ReleasesBLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSIONPR NewswireThursday, June 29, 2023 at 7:45pm UTC BLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSION PR Newswire NEW YORK, June 29, 2023 The leading digital media company showcases the foremost 60 companies that champion inclusion and propel business success through their DEI initiatives. NEW YORK, June 29, 2023 /PRNewswire/ -- BLACK ENTERPRISE, the top Black digital media brand and premier business and financial resource for African Americans, proudly unveils its highly anticipated list of the "Best Companies for Diversity, Equity & Inclusion (DEI)." This robust list is back to highlight a select group of publicly traded corporations that have demonstrated an unwavering commitment to creating dynamic workforces, diverse corporate governance, expansive supply chains, and inclusive management. The post-pandemic era is marked by two powerful and defining forces: companies committed to addressing systemic inequities versus conservatives lashing out against the actions of so-called "woke" institutions. In this dynamic environment, BLACK ENTERPRISE firmly advocates for the importance of prioritizing DEI on the corporate agenda. The Best Companies for DEI list stands as a powerful testament, affirming that fair access to opportunities is not merely a feel-good initiative but a transformative business imperative that can change the world. "BLACK ENTERPRISE is proud to unveil our distinguished roster of companies that have demonstrated an unwavering dedication to DEI across various dimensions, including their employee base, senior management, board of directors, and procurement," said BLACK ENTERPRISE's esteemed Executive Vice President & Chief Content Officer Derek Dingle. "Our diligent editorial research team conducted a comprehensive analysis, meticulously examining the ethnic and gender composition and the efficacy of programs aimed at nurturing an inclusive work environment. We thoroughly evaluated company standings by utilizing surveys, BLACK ENTERPRISE's wealth of diversity and corporate leadership data, as well as engaging with diversity departments and relevant organizations." BLACK ENTERPRISE proudly presents the 2023 List of the Best Companies for Diversity, Equity & Inclusion. The following companies have exemplified their dedication to fostering an inclusive and diverse workplace: ACCENTURE PLCADP INC.AFLAC INC.ALLSTATE CORP.AMEREN CORP.AMERICAN EXPRESS CO.ARAMARKAT&T INC.BANK OF AMERICA CORP.CIGNA CORP.CMS ENERGYTHE COCA-COLA CO.COMCAST CORP.COMERICA INC.CONSOLIDATED EDISON INC.DELTA AIR LINESDTE ENERGY CO.DUKE ENERGY CORP.ENTERGY CORP.EXELON CORP.FANNIE MAEFEDEX CORP.FORD MOTOR CO.GENERAL MILLS INC.GENERAL MOTORSIBMJC PENNEYJLLJOHNSON CONTROLSJP MORGAN CHASETHE KELLOGG CO.LILLYLOCKHEED MARTIN CORP.LOWE'S COS INC.MACY'S INC.MARRIOTT INTERNATIONAL, INC.MASTERCARDMCDONALD'S CORP.MERCKMGM RESORTS INTERNATIONALMORGAN STANLEYNATIONWIDENORTHWESTERN MUTUALPACIFIC GAS & ELECTRIC CO.PEPSICO INC.PNC FINANCIAL SERVICE GROUP INC.PRUDENTIAL FINANCIAL INC.SEMPRASOUTHERN CO.STATE FARMTIAATOYOTA MOTOR NORTH AMERICAU.S. BANKUNITED AIRLINES HOLDINGSUPSVERIZON COMMUNICATIONSWALGREENS BOOTS ALLIANCEWALMART STORES INC.WELLS FARGO & CO.XEROXThe significance of DEI initiatives cannot be overstated when it comes to establishing an inclusive, forward-thinking, and fair workplace. In conjunction with the highly regarded Best Companies for DEI list, BLACK ENTERPRISE honored the remarkable individuals and organizations spearheading diversity and inclusion efforts. This distinguished recognition occurred at the Chief Diversity Officers Summit and Honors ceremony, hosted at the prestigious Rainbow Room in Rockefeller Center. By embracing diversity and actively championing inclusivity, companies can unlock their employees' full potential, drive remarkable business achievements, and foster a positive societal impact. To read the full list, please visit https://www.blackenterprise.com/chiefdiversitysummit/2023bestcompaniesfordiversity/. To stay up to date on upcoming BLACK ENTERPRISE announcements, visit blackenterprise.com and follow them on social media across Instagram, Twitter, and Facebook. About BLACK ENTERPRISE Founded in 1970, BLACK ENTERPRISE is a mission-centric publication focused on providing relevant information for success-minded people at every stage of their financial journey. Designed to highlight Black leadership and entrepreneurial journeys, BLACK ENTERPRISE reaches its audience through its events and linear and digital channels. BLACK ENTERPRISE aims to be a fountain of knowledge on the how to in achieving financial success. To learn more about the company, please visit blackenterprise.com and follow us on social media across Instagram, Twitter, and Facebook. View original content to download multimedia:https://www.prnewswire.com/news-releases/black-enterprise-announces-the-2023-best-companies-for-diversity-equity--inclusion-301867489.html SOURCE BLACK ENTERPRISE Sandy City Newsletter   Follow The City Journals on Facebook The City Journals Sandy Journal on Facebook Skip to main content About Us Advertise Rack Locations More Journals Contact Us Write For Us E-Edition News Sports Local Life Arts+Entertainment Education Food+Dining Business Calendar Directory Sponsored Content Submit an Event List Your Business Login/Join Search Search News Sports Local Life Arts+Entertainment Education Food+Dining Business Calendar Directory News Sports Local Life Arts+Entertainment Education Food+Dining Business Calendar Directory Sponsored Content 2023 | Powered by Locable | Terms of Service Submit an Event List Your Business Login/Join

Davis County News | Educating | Entertaining | Informing | Press ReleasesBLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSIONPR NewswireThursday, June 29, 2023 at 7:45pm UTC BLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSION PR Newswire NEW YORK, June 29, 2023 The leading digital media company showcases the foremost 60 companies that champion inclusion and propel business success through their DEI initiatives. NEW YORK, June 29, 2023 /PRNewswire/ -- BLACK ENTERPRISE, the top Black digital media brand and premier business and financial resource for African Americans, proudly unveils its highly anticipated list of the "Best Companies for Diversity, Equity & Inclusion (DEI)." This robust list is back to highlight a select group of publicly traded corporations that have demonstrated an unwavering commitment to creating dynamic workforces, diverse corporate governance, expansive supply chains, and inclusive management. The post-pandemic era is marked by two powerful and defining forces: companies committed to addressing systemic inequities versus conservatives lashing out against the actions of so-called "woke" institutions. In this dynamic environment, BLACK ENTERPRISE firmly advocates for the importance of prioritizing DEI on the corporate agenda. The Best Companies for DEI list stands as a powerful testament, affirming that fair access to opportunities is not merely a feel-good initiative but a transformative business imperative that can change the world. "BLACK ENTERPRISE is proud to unveil our distinguished roster of companies that have demonstrated an unwavering dedication to DEI across various dimensions, including their employee base, senior management, board of directors, and procurement," said BLACK ENTERPRISE's esteemed Executive Vice President & Chief Content Officer Derek Dingle. "Our diligent editorial research team conducted a comprehensive analysis, meticulously examining the ethnic and gender composition and the efficacy of programs aimed at nurturing an inclusive work environment. We thoroughly evaluated company standings by utilizing surveys, BLACK ENTERPRISE's wealth of diversity and corporate leadership data, as well as engaging with diversity departments and relevant organizations." BLACK ENTERPRISE proudly presents the 2023 List of the Best Companies for Diversity, Equity & Inclusion. The following companies have exemplified their dedication to fostering an inclusive and diverse workplace: ACCENTURE PLCADP INC.AFLAC INC.ALLSTATE CORP.AMEREN CORP.AMERICAN EXPRESS CO.ARAMARKAT&T INC.BANK OF AMERICA CORP.CIGNA CORP.CMS ENERGYTHE COCA-COLA CO.COMCAST CORP.COMERICA INC.CONSOLIDATED EDISON INC.DELTA AIR LINESDTE ENERGY CO.DUKE ENERGY CORP.ENTERGY CORP.EXELON CORP.FANNIE MAEFEDEX CORP.FORD MOTOR CO.GENERAL MILLS INC.GENERAL MOTORSIBMJC PENNEYJLLJOHNSON CONTROLSJP MORGAN CHASETHE KELLOGG CO.LILLYLOCKHEED MARTIN CORP.LOWE'S COS INC.MACY'S INC.MARRIOTT INTERNATIONAL, INC.MASTERCARDMCDONALD'S CORP.MERCKMGM RESORTS INTERNATIONALMORGAN STANLEYNATIONWIDENORTHWESTERN MUTUALPACIFIC GAS & ELECTRIC CO.PEPSICO INC.PNC FINANCIAL SERVICE GROUP INC.PRUDENTIAL FINANCIAL INC.SEMPRASOUTHERN CO.STATE FARMTIAATOYOTA MOTOR NORTH AMERICAU.S. BANKUNITED AIRLINES HOLDINGSUPSVERIZON COMMUNICATIONSWALGREENS BOOTS ALLIANCEWALMART STORES INC.WELLS FARGO & CO.XEROXThe significance of DEI initiatives cannot be overstated when it comes to establishing an inclusive, forward-thinking, and fair workplace. In conjunction with the highly regarded Best Companies for DEI list, BLACK ENTERPRISE honored the remarkable individuals and organizations spearheading diversity and inclusion efforts. This distinguished recognition occurred at the Chief Diversity Officers Summit and Honors ceremony, hosted at the prestigious Rainbow Room in Rockefeller Center. By embracing diversity and actively championing inclusivity, companies can unlock their employees' full potential, drive remarkable business achievements, and foster a positive societal impact. To read the full list, please visit https://www.blackenterprise.com/chiefdiversitysummit/2023bestcompaniesfordiversity/. To stay up to date on upcoming BLACK ENTERPRISE announcements, visit blackenterprise.com and follow them on social media across Instagram, Twitter, and Facebook. About BLACK ENTERPRISE Founded in 1970, BLACK ENTERPRISE is a mission-centric publication focused on providing relevant information for success-minded people at every stage of their financial journey. Designed to highlight Black leadership and entrepreneurial journeys, BLACK ENTERPRISE reaches its audience through its events and linear and digital channels. BLACK ENTERPRISE aims to be a fountain of knowledge on the how to in achieving financial success. To learn more about the company, please visit blackenterprise.com and follow us on social media across Instagram, Twitter, and Facebook. View original content to download multimedia:https://www.prnewswire.com/news-releases/black-enterprise-announces-the-2023-best-companies-for-diversity-equity--inclusion-301867489.html SOURCE BLACK ENTERPRISE Davis Beat Podcast   SUBSCRIBE NOW   Be a Part of the Team   Skip to main content About Us Advertise With Us Legal Notices Rack Locations More Journals Write For Us Subscribe E-Edition News Sports Local Life Arts+Entertainment Education Business Calendar Directory Sponsored Content Submit an Event List Your Business Login/Join Search Search News Sports Local Life Arts+Entertainment Education Business Calendar Directory Sponsored Content OUR BOUNTIFUL OFFICE: 270 S Main Street, Suite 108, Bountiful, Utah 84010 Categories Arts+Entertainment Business Education Local Life News Sports Announcements Opinion In-Print Sponsored Content About Us Privacy Policy Subscription Policy 270 S. 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Small Business - Smithfield Times | Smithfield TimesBLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSIONPR NewswireThursday, June 29, 2023 at 7:45pm UTC BLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSION PR Newswire NEW YORK, June 29, 2023 The leading digital media company showcases the foremost 60 companies that champion inclusion and propel business success through their DEI initiatives. NEW YORK, June 29, 2023 /PRNewswire/ -- BLACK ENTERPRISE, the top Black digital media brand and premier business and financial resource for African Americans, proudly unveils its highly anticipated list of the "Best Companies for Diversity, Equity & Inclusion (DEI)." This robust list is back to highlight a select group of publicly traded corporations that have demonstrated an unwavering commitment to creating dynamic workforces, diverse corporate governance, expansive supply chains, and inclusive management. The post-pandemic era is marked by two powerful and defining forces: companies committed to addressing systemic inequities versus conservatives lashing out against the actions of so-called "woke" institutions. In this dynamic environment, BLACK ENTERPRISE firmly advocates for the importance of prioritizing DEI on the corporate agenda. The Best Companies for DEI list stands as a powerful testament, affirming that fair access to opportunities is not merely a feel-good initiative but a transformative business imperative that can change the world. "BLACK ENTERPRISE is proud to unveil our distinguished roster of companies that have demonstrated an unwavering dedication to DEI across various dimensions, including their employee base, senior management, board of directors, and procurement," said BLACK ENTERPRISE's esteemed Executive Vice President & Chief Content Officer Derek Dingle. "Our diligent editorial research team conducted a comprehensive analysis, meticulously examining the ethnic and gender composition and the efficacy of programs aimed at nurturing an inclusive work environment. We thoroughly evaluated company standings by utilizing surveys, BLACK ENTERPRISE's wealth of diversity and corporate leadership data, as well as engaging with diversity departments and relevant organizations." BLACK ENTERPRISE proudly presents the 2023 List of the Best Companies for Diversity, Equity & Inclusion. The following companies have exemplified their dedication to fostering an inclusive and diverse workplace: ACCENTURE PLCADP INC.AFLAC INC.ALLSTATE CORP.AMEREN CORP.AMERICAN EXPRESS CO.ARAMARKAT&T INC.BANK OF AMERICA CORP.CIGNA CORP.CMS ENERGYTHE COCA-COLA CO.COMCAST CORP.COMERICA INC.CONSOLIDATED EDISON INC.DELTA AIR LINESDTE ENERGY CO.DUKE ENERGY CORP.ENTERGY CORP.EXELON CORP.FANNIE MAEFEDEX CORP.FORD MOTOR CO.GENERAL MILLS INC.GENERAL MOTORSIBMJC PENNEYJLLJOHNSON CONTROLSJP MORGAN CHASETHE KELLOGG CO.LILLYLOCKHEED MARTIN CORP.LOWE'S COS INC.MACY'S INC.MARRIOTT INTERNATIONAL, INC.MASTERCARDMCDONALD'S CORP.MERCKMGM RESORTS INTERNATIONALMORGAN STANLEYNATIONWIDENORTHWESTERN MUTUALPACIFIC GAS & ELECTRIC CO.PEPSICO INC.PNC FINANCIAL SERVICE GROUP INC.PRUDENTIAL FINANCIAL INC.SEMPRASOUTHERN CO.STATE FARMTIAATOYOTA MOTOR NORTH AMERICAU.S. BANKUNITED AIRLINES HOLDINGSUPSVERIZON COMMUNICATIONSWALGREENS BOOTS ALLIANCEWALMART STORES INC.WELLS FARGO & CO.XEROXThe significance of DEI initiatives cannot be overstated when it comes to establishing an inclusive, forward-thinking, and fair workplace. In conjunction with the highly regarded Best Companies for DEI list, BLACK ENTERPRISE honored the remarkable individuals and organizations spearheading diversity and inclusion efforts. This distinguished recognition occurred at the Chief Diversity Officers Summit and Honors ceremony, hosted at the prestigious Rainbow Room in Rockefeller Center. By embracing diversity and actively championing inclusivity, companies can unlock their employees' full potential, drive remarkable business achievements, and foster a positive societal impact. To read the full list, please visit https://www.blackenterprise.com/chiefdiversitysummit/2023bestcompaniesfordiversity/. To stay up to date on upcoming BLACK ENTERPRISE announcements, visit blackenterprise.com and follow them on social media across Instagram, Twitter, and Facebook. About BLACK ENTERPRISE Founded in 1970, BLACK ENTERPRISE is a mission-centric publication focused on providing relevant information for success-minded people at every stage of their financial journey. Designed to highlight Black leadership and entrepreneurial journeys, BLACK ENTERPRISE reaches its audience through its events and linear and digital channels. BLACK ENTERPRISE aims to be a fountain of knowledge on the how to in achieving financial success. To learn more about the company, please visit blackenterprise.com and follow us on social media across Instagram, Twitter, and Facebook. View original content to download multimedia:https://www.prnewswire.com/news-releases/black-enterprise-announces-the-2023-best-companies-for-diversity-equity--inclusion-301867489.html SOURCE BLACK ENTERPRISE Special Sections Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window)Click to email a link to a friend (Opens in new window)Click to print (Opens in new window) Subscribe Home News COVID-19 Obits Opinion A Slice of Smithfield Legals Public Notices Classifieds Contests Hammy Awards Services About Us Contact Us Submit a Classified Submit a Photo Submit a News Tip Submit a Letter to the Editor Submit an Engagement Announcement Submit a Wedding Announcement Submit an Anniversary Announcement E-Edition Sections Home News Sports Opinion Small Business Services About Us Copyright © 2022, Smithfield Times

Small Business - Austin Daily Herald | Austin Daily HeraldBLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSIONPR NewswireThursday, June 29, 2023 at 7:45pm UTC BLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSION PR Newswire NEW YORK, June 29, 2023 The leading digital media company showcases the foremost 60 companies that champion inclusion and propel business success through their DEI initiatives. NEW YORK, June 29, 2023 /PRNewswire/ -- BLACK ENTERPRISE, the top Black digital media brand and premier business and financial resource for African Americans, proudly unveils its highly anticipated list of the "Best Companies for Diversity, Equity & Inclusion (DEI)." This robust list is back to highlight a select group of publicly traded corporations that have demonstrated an unwavering commitment to creating dynamic workforces, diverse corporate governance, expansive supply chains, and inclusive management. The post-pandemic era is marked by two powerful and defining forces: companies committed to addressing systemic inequities versus conservatives lashing out against the actions of so-called "woke" institutions. In this dynamic environment, BLACK ENTERPRISE firmly advocates for the importance of prioritizing DEI on the corporate agenda. The Best Companies for DEI list stands as a powerful testament, affirming that fair access to opportunities is not merely a feel-good initiative but a transformative business imperative that can change the world. "BLACK ENTERPRISE is proud to unveil our distinguished roster of companies that have demonstrated an unwavering dedication to DEI across various dimensions, including their employee base, senior management, board of directors, and procurement," said BLACK ENTERPRISE's esteemed Executive Vice President & Chief Content Officer Derek Dingle. "Our diligent editorial research team conducted a comprehensive analysis, meticulously examining the ethnic and gender composition and the efficacy of programs aimed at nurturing an inclusive work environment. We thoroughly evaluated company standings by utilizing surveys, BLACK ENTERPRISE's wealth of diversity and corporate leadership data, as well as engaging with diversity departments and relevant organizations." BLACK ENTERPRISE proudly presents the 2023 List of the Best Companies for Diversity, Equity & Inclusion. The following companies have exemplified their dedication to fostering an inclusive and diverse workplace: ACCENTURE PLCADP INC.AFLAC INC.ALLSTATE CORP.AMEREN CORP.AMERICAN EXPRESS CO.ARAMARKAT&T INC.BANK OF AMERICA CORP.CIGNA CORP.CMS ENERGYTHE COCA-COLA CO.COMCAST CORP.COMERICA INC.CONSOLIDATED EDISON INC.DELTA AIR LINESDTE ENERGY CO.DUKE ENERGY CORP.ENTERGY CORP.EXELON CORP.FANNIE MAEFEDEX CORP.FORD MOTOR CO.GENERAL MILLS INC.GENERAL MOTORSIBMJC PENNEYJLLJOHNSON CONTROLSJP MORGAN CHASETHE KELLOGG CO.LILLYLOCKHEED MARTIN CORP.LOWE'S COS INC.MACY'S INC.MARRIOTT INTERNATIONAL, INC.MASTERCARDMCDONALD'S CORP.MERCKMGM RESORTS INTERNATIONALMORGAN STANLEYNATIONWIDENORTHWESTERN MUTUALPACIFIC GAS & ELECTRIC CO.PEPSICO INC.PNC FINANCIAL SERVICE GROUP INC.PRUDENTIAL FINANCIAL INC.SEMPRASOUTHERN CO.STATE FARMTIAATOYOTA MOTOR NORTH AMERICAU.S. BANKUNITED AIRLINES HOLDINGSUPSVERIZON COMMUNICATIONSWALGREENS BOOTS ALLIANCEWALMART STORES INC.WELLS FARGO & CO.XEROXThe significance of DEI initiatives cannot be overstated when it comes to establishing an inclusive, forward-thinking, and fair workplace. In conjunction with the highly regarded Best Companies for DEI list, BLACK ENTERPRISE honored the remarkable individuals and organizations spearheading diversity and inclusion efforts. This distinguished recognition occurred at the Chief Diversity Officers Summit and Honors ceremony, hosted at the prestigious Rainbow Room in Rockefeller Center. By embracing diversity and actively championing inclusivity, companies can unlock their employees' full potential, drive remarkable business achievements, and foster a positive societal impact. To read the full list, please visit https://www.blackenterprise.com/chiefdiversitysummit/2023bestcompaniesfordiversity/. To stay up to date on upcoming BLACK ENTERPRISE announcements, visit blackenterprise.com and follow them on social media across Instagram, Twitter, and Facebook. About BLACK ENTERPRISE Founded in 1970, BLACK ENTERPRISE is a mission-centric publication focused on providing relevant information for success-minded people at every stage of their financial journey. Designed to highlight Black leadership and entrepreneurial journeys, BLACK ENTERPRISE reaches its audience through its events and linear and digital channels. BLACK ENTERPRISE aims to be a fountain of knowledge on the how to in achieving financial success. To learn more about the company, please visit blackenterprise.com and follow us on social media across Instagram, Twitter, and Facebook. View original content to download multimedia:https://www.prnewswire.com/news-releases/black-enterprise-announces-the-2023-best-companies-for-diversity-equity--inclusion-301867489.html SOURCE BLACK ENTERPRISE Construction Updates Construction UpdatesSeptember 16, 2021 Special Section More special sections Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to print (Opens in new window)Click to email a link to a friend (Opens in new window) Subscribe Home News Crime, Courts & Emergencies Education Health Progress 2021 State, Nation and World Weather Sports Opinion Editorials Letters to the Editor Columnists Obits Obituary Information And Guidelines Austin Living Magazine Contests Calendar Classifieds Public Notices Services About Us Policies News Tip Photo Advertise with Us Letter to the Editor E-Edition Sections Home News Sports Opinion Spotlight Obits Classifieds Small Business Services About Us Policies News Tip Photo Copyright © 2022, Austin Daily Herald

Hattiesburg MS news and directory | Press Releases BLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSIONPR NewswireThursday, June 29, 2023 at 7:45pm UTC BLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSION PR Newswire NEW YORK, June 29, 2023 The leading digital media company showcases the foremost 60 companies that champion inclusion and propel business success through their DEI initiatives. NEW YORK, June 29, 2023 /PRNewswire/ -- BLACK ENTERPRISE, the top Black digital media brand and premier business and financial resource for African Americans, proudly unveils its highly anticipated list of the "Best Companies for Diversity, Equity & Inclusion (DEI)." This robust list is back to highlight a select group of publicly traded corporations that have demonstrated an unwavering commitment to creating dynamic workforces, diverse corporate governance, expansive supply chains, and inclusive management. The post-pandemic era is marked by two powerful and defining forces: companies committed to addressing systemic inequities versus conservatives lashing out against the actions of so-called "woke" institutions. In this dynamic environment, BLACK ENTERPRISE firmly advocates for the importance of prioritizing DEI on the corporate agenda. The Best Companies for DEI list stands as a powerful testament, affirming that fair access to opportunities is not merely a feel-good initiative but a transformative business imperative that can change the world. "BLACK ENTERPRISE is proud to unveil our distinguished roster of companies that have demonstrated an unwavering dedication to DEI across various dimensions, including their employee base, senior management, board of directors, and procurement," said BLACK ENTERPRISE's esteemed Executive Vice President & Chief Content Officer Derek Dingle. "Our diligent editorial research team conducted a comprehensive analysis, meticulously examining the ethnic and gender composition and the efficacy of programs aimed at nurturing an inclusive work environment. We thoroughly evaluated company standings by utilizing surveys, BLACK ENTERPRISE's wealth of diversity and corporate leadership data, as well as engaging with diversity departments and relevant organizations." BLACK ENTERPRISE proudly presents the 2023 List of the Best Companies for Diversity, Equity & Inclusion. The following companies have exemplified their dedication to fostering an inclusive and diverse workplace: ACCENTURE PLCADP INC.AFLAC INC.ALLSTATE CORP.AMEREN CORP.AMERICAN EXPRESS CO.ARAMARKAT&T INC.BANK OF AMERICA CORP.CIGNA CORP.CMS ENERGYTHE COCA-COLA CO.COMCAST CORP.COMERICA INC.CONSOLIDATED EDISON INC.DELTA AIR LINESDTE ENERGY CO.DUKE ENERGY CORP.ENTERGY CORP.EXELON CORP.FANNIE MAEFEDEX CORP.FORD MOTOR CO.GENERAL MILLS INC.GENERAL MOTORSIBMJC PENNEYJLLJOHNSON CONTROLSJP MORGAN CHASETHE KELLOGG CO.LILLYLOCKHEED MARTIN CORP.LOWE'S COS INC.MACY'S INC.MARRIOTT INTERNATIONAL, INC.MASTERCARDMCDONALD'S CORP.MERCKMGM RESORTS INTERNATIONALMORGAN STANLEYNATIONWIDENORTHWESTERN MUTUALPACIFIC GAS & ELECTRIC CO.PEPSICO INC.PNC FINANCIAL SERVICE GROUP INC.PRUDENTIAL FINANCIAL INC.SEMPRASOUTHERN CO.STATE FARMTIAATOYOTA MOTOR NORTH AMERICAU.S. BANKUNITED AIRLINES HOLDINGSUPSVERIZON COMMUNICATIONSWALGREENS BOOTS ALLIANCEWALMART STORES INC.WELLS FARGO & CO.XEROXThe significance of DEI initiatives cannot be overstated when it comes to establishing an inclusive, forward-thinking, and fair workplace. In conjunction with the highly regarded Best Companies for DEI list, BLACK ENTERPRISE honored the remarkable individuals and organizations spearheading diversity and inclusion efforts. This distinguished recognition occurred at the Chief Diversity Officers Summit and Honors ceremony, hosted at the prestigious Rainbow Room in Rockefeller Center. By embracing diversity and actively championing inclusivity, companies can unlock their employees' full potential, drive remarkable business achievements, and foster a positive societal impact. To read the full list, please visit https://www.blackenterprise.com/chiefdiversitysummit/2023bestcompaniesfordiversity/. To stay up to date on upcoming BLACK ENTERPRISE announcements, visit blackenterprise.com and follow them on social media across Instagram, Twitter, and Facebook. About BLACK ENTERPRISE Founded in 1970, BLACK ENTERPRISE is a mission-centric publication focused on providing relevant information for success-minded people at every stage of their financial journey. Designed to highlight Black leadership and entrepreneurial journeys, BLACK ENTERPRISE reaches its audience through its events and linear and digital channels. BLACK ENTERPRISE aims to be a fountain of knowledge on the how to in achieving financial success. To learn more about the company, please visit blackenterprise.com and follow us on social media across Instagram, Twitter, and Facebook. View original content to download multimedia:https://www.prnewswire.com/news-releases/black-enterprise-announces-the-2023-best-companies-for-diversity-equity--inclusion-301867489.html SOURCE BLACK ENTERPRISE Members - Get Listed Today HomeQuick Links Weather ForecastThings to do near HattiesburgWhat's On TVBroadcast TV & Radio StationsLive TrafficFuel FinderTimeDemographicsArea Codes 601 and 769DevelopmentBrowse by CategoryFeatures & News Press ReleasesCommunity Photo AlbumsDeals & CouponsEvents & ShowsAbout Contact UsAbout Hattiesburg.comAdvertising OpportunitiesJoin Member Login HomeQuick Links Weather ForecastThings to do near HattiesburgWhat's On TVBroadcast TV & Radio StationsLive TrafficFuel FinderTimeDemographicsArea Codes 601 and 769DevelopmentBrowse by CategoryFeatures & News Press ReleasesCommunity Photo AlbumsDeals & CouponsEvents & ShowsAbout Contact UsAbout Hattiesburg.comAdvertising OpportunitiesJoin Member Login Powered by CryptoQuote Join Our Newsletter Click to Subscribe About: Hattiesburg.Com is a beloved member of Port Metro Group, LLC. 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Midvale Journal | Educating | Entertaining | Informing | Press ReleasesBLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSIONPR NewswireThursday, June 29, 2023 at 7:45pm UTC BLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSION PR Newswire NEW YORK, June 29, 2023 The leading digital media company showcases the foremost 60 companies that champion inclusion and propel business success through their DEI initiatives. NEW YORK, June 29, 2023 /PRNewswire/ -- BLACK ENTERPRISE, the top Black digital media brand and premier business and financial resource for African Americans, proudly unveils its highly anticipated list of the "Best Companies for Diversity, Equity & Inclusion (DEI)." This robust list is back to highlight a select group of publicly traded corporations that have demonstrated an unwavering commitment to creating dynamic workforces, diverse corporate governance, expansive supply chains, and inclusive management. The post-pandemic era is marked by two powerful and defining forces: companies committed to addressing systemic inequities versus conservatives lashing out against the actions of so-called "woke" institutions. In this dynamic environment, BLACK ENTERPRISE firmly advocates for the importance of prioritizing DEI on the corporate agenda. The Best Companies for DEI list stands as a powerful testament, affirming that fair access to opportunities is not merely a feel-good initiative but a transformative business imperative that can change the world. "BLACK ENTERPRISE is proud to unveil our distinguished roster of companies that have demonstrated an unwavering dedication to DEI across various dimensions, including their employee base, senior management, board of directors, and procurement," said BLACK ENTERPRISE's esteemed Executive Vice President & Chief Content Officer Derek Dingle. "Our diligent editorial research team conducted a comprehensive analysis, meticulously examining the ethnic and gender composition and the efficacy of programs aimed at nurturing an inclusive work environment. We thoroughly evaluated company standings by utilizing surveys, BLACK ENTERPRISE's wealth of diversity and corporate leadership data, as well as engaging with diversity departments and relevant organizations." BLACK ENTERPRISE proudly presents the 2023 List of the Best Companies for Diversity, Equity & Inclusion. The following companies have exemplified their dedication to fostering an inclusive and diverse workplace: ACCENTURE PLCADP INC.AFLAC INC.ALLSTATE CORP.AMEREN CORP.AMERICAN EXPRESS CO.ARAMARKAT&T INC.BANK OF AMERICA CORP.CIGNA CORP.CMS ENERGYTHE COCA-COLA CO.COMCAST CORP.COMERICA INC.CONSOLIDATED EDISON INC.DELTA AIR LINESDTE ENERGY CO.DUKE ENERGY CORP.ENTERGY CORP.EXELON CORP.FANNIE MAEFEDEX CORP.FORD MOTOR CO.GENERAL MILLS INC.GENERAL MOTORSIBMJC PENNEYJLLJOHNSON CONTROLSJP MORGAN CHASETHE KELLOGG CO.LILLYLOCKHEED MARTIN CORP.LOWE'S COS INC.MACY'S INC.MARRIOTT INTERNATIONAL, INC.MASTERCARDMCDONALD'S CORP.MERCKMGM RESORTS INTERNATIONALMORGAN STANLEYNATIONWIDENORTHWESTERN MUTUALPACIFIC GAS & ELECTRIC CO.PEPSICO INC.PNC FINANCIAL SERVICE GROUP INC.PRUDENTIAL FINANCIAL INC.SEMPRASOUTHERN CO.STATE FARMTIAATOYOTA MOTOR NORTH AMERICAU.S. BANKUNITED AIRLINES HOLDINGSUPSVERIZON COMMUNICATIONSWALGREENS BOOTS ALLIANCEWALMART STORES INC.WELLS FARGO & CO.XEROXThe significance of DEI initiatives cannot be overstated when it comes to establishing an inclusive, forward-thinking, and fair workplace. In conjunction with the highly regarded Best Companies for DEI list, BLACK ENTERPRISE honored the remarkable individuals and organizations spearheading diversity and inclusion efforts. This distinguished recognition occurred at the Chief Diversity Officers Summit and Honors ceremony, hosted at the prestigious Rainbow Room in Rockefeller Center. By embracing diversity and actively championing inclusivity, companies can unlock their employees' full potential, drive remarkable business achievements, and foster a positive societal impact. To read the full list, please visit https://www.blackenterprise.com/chiefdiversitysummit/2023bestcompaniesfordiversity/. To stay up to date on upcoming BLACK ENTERPRISE announcements, visit blackenterprise.com and follow them on social media across Instagram, Twitter, and Facebook. About BLACK ENTERPRISE Founded in 1970, BLACK ENTERPRISE is a mission-centric publication focused on providing relevant information for success-minded people at every stage of their financial journey. Designed to highlight Black leadership and entrepreneurial journeys, BLACK ENTERPRISE reaches its audience through its events and linear and digital channels. BLACK ENTERPRISE aims to be a fountain of knowledge on the how to in achieving financial success. To learn more about the company, please visit blackenterprise.com and follow us on social media across Instagram, Twitter, and Facebook. View original content to download multimedia:https://www.prnewswire.com/news-releases/black-enterprise-announces-the-2023-best-companies-for-diversity-equity--inclusion-301867489.html SOURCE BLACK ENTERPRISE Midvale City Newsletter     Follow The City Journals on Facebook The City Journals Advertise With Us Midvale Journal on Facebook Skip to main content About Us Advertise Rack Locations More Journals Contact Us Write For Us E-Edition News Sports Local Life Education Business Arts+Entertainment Food+Dining Calendar Directory Sponsored Content Submit an Event List Your Business Login/Join Search Search News Sports Local Life Education Business Arts+Entertainment Food+Dining Calendar Directory News Sports Local Life Education Business Arts+Entertainment Food+Dining Calendar Directory Sponsored Content 2023 | Powered by Locable | Terms of Service Submit an Event List Your Business Login/Join

Index Measures and Quantifies Severity of Heat Waves in a Warmer World Skip to content MyNewMarkets.com Claims Journal Insurance Journal TV Academy of Insurance Carrier Management Featured Stories Commercial Lines Renewals Higher in July Than June Viewpoint: Generative AI in Insurance Isn’t Working Articles Jobs Markets Search for News Search Search for News Search Search for News Search Current Magazine Read Online Subscribe Login Front Page National International Most Popular Magazine Forums Blogs Videos/Podcasts Newsletters News Most Popular National International East Midwest South Central Southeast West Magazines Research Directories Jobs Features Events Forums Market Directories Quotes Polls Rankings & Awards Insurance Giving Back Subscribe Index Measures and Quantifies Severity of Heat Waves in a Warmer World By Don Jergler | June 29, 2023 Email This Subscribe to Newsletter Email to a friend Facebook Tweet LinkedIn Print Article Article AccuWeather is launching what it says is the only scale that tracks the duration and severity of heat waves, which are becoming more common occurrences due to factors like climate change, deforestation and urban heat island effects. AccuWeather’s HeatWave Counter and Severity Index promises to help people better understand the severity, intensity and duration of heat waves – the No. 1 cause of weather-related deaths in the U.S. Heat waves on average kill more Americans than any other type of severe weather, according to AccuWeather. Historical temperature records show a trend with increasing number of days in a heat waves each year over time, especially in recent decades, as well as an increase in the severity of heat waves. The world just experienced its warmest early June on record by a substantial margin. The past eight years were the warmest on record globally, according to the World Meteorological Organization. WMO says global temperatures are likely to surge to record levels in the next five years, fueled by heat-trapping greenhouse gases and a naturally occurring El Niño event, Factors driving the rise in heat waves include global climate change, deforestation and urbanization driving the “urban heat island” effect resulting in cities experiencing a tendency for higher temperatures, according to AccuWeather. Marshall Moss, AccuWeather’s vice president, operations quality and innovation, says “the number, globally, of heat waves has been getting worse,” an effect that is attributable to climate change and other factors. “There’s a combination that goes into the fact that there are more and more severe heat waves,” Moss said. The idea behind AccuWeather’s heat wave severity index is to “provide context for people,” said Dan DePodwin, director, forecasting operations for AccuWeather. The index will quantify heat waves by duration and intensity. Heat waves are defined as three or more days in which the temperature exceeds a threshold. The threshold varies with the climate of a location. To be considered a heat wave in New York, St. Louis, or Los Angeles requires the daily temperature to reach or exceed 90 degrees on three straight days. The threshold in Miami and New Orleans is 95 degrees. In Austin, Texas, it is 105, and in Phoenix the threshold is 110 degrees. The index is also dependent on the duration of the heat wave and how much the temperature exceeds the threshold: a three-day heat wave in New York City measures a 3; a three-day heat wave with some of the days reaching temperatures in the middle or high 90s may reach a scorer of 8. AccuWeather’s extensive historical weather data enabled index designers to quantify past heat waves for many of major cities. Comparing past and present heat waves will enable people and businesses to understand trends around the growing impact of climate change, and to make the best decisions when they are affected by life-threatening heat, the index designers say. The index will be used on the AccuWeather Network, on some of the TV stations that carry the AccuWeather forecast, and it will be used as the basis for reports on heat waves on AccuWeather.com and the AccuWeather app. The index follows in the footsteps of other AccuWeather scales, such as the AccuWeather RealImpact Scale for Hurricanes and comfort weather indices like the RealFeel Sun and RealFeel Shade temperatures. The new heat index may all so be of interest to professionals in the workers’ compensation area. According to DePodwin, AccuWeather will be providing the index to businesses for which heat waves are a vulnerability – contractors, agriculture and others. “There’re a lot of businesses that might care about that,” DePodwin said. “It could be people who have workers outside, it could be school districts who have different heat-related thresholds for their student athletes. So, there is definitely a lot of application on the business side.” Past columns: Study Blames Climate Change for Summer Wildfire Rise in California Climate Change, Wildfire Risk and State Farm’s California Decision 23 State Attorney Generals Concerned About Insurer Climate Commitments Insurer Group Concerned Over FIO Climate-Related Data Collection Effort Pew: 7-in-10 Americans Favor Steps to Become Carbon Neutral by 2050 Was this article valuable? Yes No Thank you! Please tell us what we can do to improve this article. Submit No Thanks Thank you! % of people found this article valuable. Please tell us what you liked about it. Submit No Thanks Here are more articles you may enjoy. How a Perfect Storm Sent Church Insurance Rates Skyrocketing Allstate’s National General Sued by DOJ Over Alleged Force-Placed Insurance ‘Scheme’ Verisk’s PCS Classifies CrowdStrike Incident as a Cyber Catastrophe Travelers: Costliest Claims Driven by Most Common Workplace Accidents Written By Don Jergler Latest Posts: ‘Impossible’ Weather Increasingly Blamed on Climate Change How California’s Homeowners Insurance Crisis Is Affecting Brokers CBO Says Mortgage Subsidy Cost from Flood Damage to Hit $395M by 2053 State Farm Seeking Large Rate Increases in Wildfire-Prone California More From Author The most important insurance news,in your inbox every business day. Get the insurance industry's trusted newsletter Submit Email This Subscribe to Newsletter Email to a friend Facebook Tweet LinkedIn Print Article Categories: National NewsTopics: AccuWeather, Climate Change, Climate Control, extreme weather, heat waves Have a hot lead? 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Herriman, Utah News | Educating | Entertaining | Informing | Press ReleasesBLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSIONPR NewswireThursday, June 29, 2023 at 7:45pm UTC BLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSION PR Newswire NEW YORK, June 29, 2023 The leading digital media company showcases the foremost 60 companies that champion inclusion and propel business success through their DEI initiatives. NEW YORK, June 29, 2023 /PRNewswire/ -- BLACK ENTERPRISE, the top Black digital media brand and premier business and financial resource for African Americans, proudly unveils its highly anticipated list of the "Best Companies for Diversity, Equity & Inclusion (DEI)." This robust list is back to highlight a select group of publicly traded corporations that have demonstrated an unwavering commitment to creating dynamic workforces, diverse corporate governance, expansive supply chains, and inclusive management. The post-pandemic era is marked by two powerful and defining forces: companies committed to addressing systemic inequities versus conservatives lashing out against the actions of so-called "woke" institutions. In this dynamic environment, BLACK ENTERPRISE firmly advocates for the importance of prioritizing DEI on the corporate agenda. The Best Companies for DEI list stands as a powerful testament, affirming that fair access to opportunities is not merely a feel-good initiative but a transformative business imperative that can change the world. "BLACK ENTERPRISE is proud to unveil our distinguished roster of companies that have demonstrated an unwavering dedication to DEI across various dimensions, including their employee base, senior management, board of directors, and procurement," said BLACK ENTERPRISE's esteemed Executive Vice President & Chief Content Officer Derek Dingle. "Our diligent editorial research team conducted a comprehensive analysis, meticulously examining the ethnic and gender composition and the efficacy of programs aimed at nurturing an inclusive work environment. We thoroughly evaluated company standings by utilizing surveys, BLACK ENTERPRISE's wealth of diversity and corporate leadership data, as well as engaging with diversity departments and relevant organizations." BLACK ENTERPRISE proudly presents the 2023 List of the Best Companies for Diversity, Equity & Inclusion. The following companies have exemplified their dedication to fostering an inclusive and diverse workplace: ACCENTURE PLCADP INC.AFLAC INC.ALLSTATE CORP.AMEREN CORP.AMERICAN EXPRESS CO.ARAMARKAT&T INC.BANK OF AMERICA CORP.CIGNA CORP.CMS ENERGYTHE COCA-COLA CO.COMCAST CORP.COMERICA INC.CONSOLIDATED EDISON INC.DELTA AIR LINESDTE ENERGY CO.DUKE ENERGY CORP.ENTERGY CORP.EXELON CORP.FANNIE MAEFEDEX CORP.FORD MOTOR CO.GENERAL MILLS INC.GENERAL MOTORSIBMJC PENNEYJLLJOHNSON CONTROLSJP MORGAN CHASETHE KELLOGG CO.LILLYLOCKHEED MARTIN CORP.LOWE'S COS INC.MACY'S INC.MARRIOTT INTERNATIONAL, INC.MASTERCARDMCDONALD'S CORP.MERCKMGM RESORTS INTERNATIONALMORGAN STANLEYNATIONWIDENORTHWESTERN MUTUALPACIFIC GAS & ELECTRIC CO.PEPSICO INC.PNC FINANCIAL SERVICE GROUP INC.PRUDENTIAL FINANCIAL INC.SEMPRASOUTHERN CO.STATE FARMTIAATOYOTA MOTOR NORTH AMERICAU.S. BANKUNITED AIRLINES HOLDINGSUPSVERIZON COMMUNICATIONSWALGREENS BOOTS ALLIANCEWALMART STORES INC.WELLS FARGO & CO.XEROXThe significance of DEI initiatives cannot be overstated when it comes to establishing an inclusive, forward-thinking, and fair workplace. In conjunction with the highly regarded Best Companies for DEI list, BLACK ENTERPRISE honored the remarkable individuals and organizations spearheading diversity and inclusion efforts. This distinguished recognition occurred at the Chief Diversity Officers Summit and Honors ceremony, hosted at the prestigious Rainbow Room in Rockefeller Center. By embracing diversity and actively championing inclusivity, companies can unlock their employees' full potential, drive remarkable business achievements, and foster a positive societal impact. To read the full list, please visit https://www.blackenterprise.com/chiefdiversitysummit/2023bestcompaniesfordiversity/. To stay up to date on upcoming BLACK ENTERPRISE announcements, visit blackenterprise.com and follow them on social media across Instagram, Twitter, and Facebook. About BLACK ENTERPRISE Founded in 1970, BLACK ENTERPRISE is a mission-centric publication focused on providing relevant information for success-minded people at every stage of their financial journey. Designed to highlight Black leadership and entrepreneurial journeys, BLACK ENTERPRISE reaches its audience through its events and linear and digital channels. BLACK ENTERPRISE aims to be a fountain of knowledge on the how to in achieving financial success. To learn more about the company, please visit blackenterprise.com and follow us on social media across Instagram, Twitter, and Facebook. View original content to download multimedia:https://www.prnewswire.com/news-releases/black-enterprise-announces-the-2023-best-companies-for-diversity-equity--inclusion-301867489.html SOURCE BLACK ENTERPRISE     Skip to main content About Advertise Contact Write For Us E-Edition More Journals News Sports Local Life Education Business Arts+Entertainment Food+Dining Calendar Directory Sponsored Content Submit an Event List Your Business Login/Join Search Search News Sports Local Life Education Business Arts+Entertainment Food+Dining Calendar Directory News Sports Local Life Education Business Arts+Entertainment Food+Dining Calendar Directory Sponsored Content 2023 | Powered by Locable | Terms of Service Submit an Event List Your Business Login/Join

Sugar House News | Educating | Entertaining | Informing | Press ReleasesBLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSIONPR NewswireThursday, June 29, 2023 at 7:45pm UTC BLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSION PR Newswire NEW YORK, June 29, 2023 The leading digital media company showcases the foremost 60 companies that champion inclusion and propel business success through their DEI initiatives. NEW YORK, June 29, 2023 /PRNewswire/ -- BLACK ENTERPRISE, the top Black digital media brand and premier business and financial resource for African Americans, proudly unveils its highly anticipated list of the "Best Companies for Diversity, Equity & Inclusion (DEI)." This robust list is back to highlight a select group of publicly traded corporations that have demonstrated an unwavering commitment to creating dynamic workforces, diverse corporate governance, expansive supply chains, and inclusive management. The post-pandemic era is marked by two powerful and defining forces: companies committed to addressing systemic inequities versus conservatives lashing out against the actions of so-called "woke" institutions. In this dynamic environment, BLACK ENTERPRISE firmly advocates for the importance of prioritizing DEI on the corporate agenda. The Best Companies for DEI list stands as a powerful testament, affirming that fair access to opportunities is not merely a feel-good initiative but a transformative business imperative that can change the world. "BLACK ENTERPRISE is proud to unveil our distinguished roster of companies that have demonstrated an unwavering dedication to DEI across various dimensions, including their employee base, senior management, board of directors, and procurement," said BLACK ENTERPRISE's esteemed Executive Vice President & Chief Content Officer Derek Dingle. "Our diligent editorial research team conducted a comprehensive analysis, meticulously examining the ethnic and gender composition and the efficacy of programs aimed at nurturing an inclusive work environment. We thoroughly evaluated company standings by utilizing surveys, BLACK ENTERPRISE's wealth of diversity and corporate leadership data, as well as engaging with diversity departments and relevant organizations." BLACK ENTERPRISE proudly presents the 2023 List of the Best Companies for Diversity, Equity & Inclusion. The following companies have exemplified their dedication to fostering an inclusive and diverse workplace: ACCENTURE PLCADP INC.AFLAC INC.ALLSTATE CORP.AMEREN CORP.AMERICAN EXPRESS CO.ARAMARKAT&T INC.BANK OF AMERICA CORP.CIGNA CORP.CMS ENERGYTHE COCA-COLA CO.COMCAST CORP.COMERICA INC.CONSOLIDATED EDISON INC.DELTA AIR LINESDTE ENERGY CO.DUKE ENERGY CORP.ENTERGY CORP.EXELON CORP.FANNIE MAEFEDEX CORP.FORD MOTOR CO.GENERAL MILLS INC.GENERAL MOTORSIBMJC PENNEYJLLJOHNSON CONTROLSJP MORGAN CHASETHE KELLOGG CO.LILLYLOCKHEED MARTIN CORP.LOWE'S COS INC.MACY'S INC.MARRIOTT INTERNATIONAL, INC.MASTERCARDMCDONALD'S CORP.MERCKMGM RESORTS INTERNATIONALMORGAN STANLEYNATIONWIDENORTHWESTERN MUTUALPACIFIC GAS & ELECTRIC CO.PEPSICO INC.PNC FINANCIAL SERVICE GROUP INC.PRUDENTIAL FINANCIAL INC.SEMPRASOUTHERN CO.STATE FARMTIAATOYOTA MOTOR NORTH AMERICAU.S. BANKUNITED AIRLINES HOLDINGSUPSVERIZON COMMUNICATIONSWALGREENS BOOTS ALLIANCEWALMART STORES INC.WELLS FARGO & CO.XEROXThe significance of DEI initiatives cannot be overstated when it comes to establishing an inclusive, forward-thinking, and fair workplace. In conjunction with the highly regarded Best Companies for DEI list, BLACK ENTERPRISE honored the remarkable individuals and organizations spearheading diversity and inclusion efforts. This distinguished recognition occurred at the Chief Diversity Officers Summit and Honors ceremony, hosted at the prestigious Rainbow Room in Rockefeller Center. By embracing diversity and actively championing inclusivity, companies can unlock their employees' full potential, drive remarkable business achievements, and foster a positive societal impact. To read the full list, please visit https://www.blackenterprise.com/chiefdiversitysummit/2023bestcompaniesfordiversity/. To stay up to date on upcoming BLACK ENTERPRISE announcements, visit blackenterprise.com and follow them on social media across Instagram, Twitter, and Facebook. About BLACK ENTERPRISE Founded in 1970, BLACK ENTERPRISE is a mission-centric publication focused on providing relevant information for success-minded people at every stage of their financial journey. Designed to highlight Black leadership and entrepreneurial journeys, BLACK ENTERPRISE reaches its audience through its events and linear and digital channels. BLACK ENTERPRISE aims to be a fountain of knowledge on the how to in achieving financial success. To learn more about the company, please visit blackenterprise.com and follow us on social media across Instagram, Twitter, and Facebook. View original content to download multimedia:https://www.prnewswire.com/news-releases/black-enterprise-announces-the-2023-best-companies-for-diversity-equity--inclusion-301867489.html SOURCE BLACK ENTERPRISE Online Edition Sugar House Journal Facebook Skip to main content About Us Advertise Rack Locations More Journals Contact Us Write For Us E-Edition News Sports Local Life Education Business Arts+Entertainment Food+Dining Directory Calendar Sponsored Content Submit an Event List Your Business Login/Join Search Search News Sports Local Life Education Business Arts+Entertainment Food+Dining Directory Calendar News Sports Local Life Education Business Arts+Entertainment Food+Dining Directory Calendar Sponsored Content 2023 | Powered by Locable | Terms of Service Submit an Event List Your Business Login/Join

Draper Journal | Educating | Entertaining | Informing | Press ReleasesBLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSIONPR NewswireThursday, June 29, 2023 at 7:45pm UTC BLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSION PR Newswire NEW YORK, June 29, 2023 The leading digital media company showcases the foremost 60 companies that champion inclusion and propel business success through their DEI initiatives. NEW YORK, June 29, 2023 /PRNewswire/ -- BLACK ENTERPRISE, the top Black digital media brand and premier business and financial resource for African Americans, proudly unveils its highly anticipated list of the "Best Companies for Diversity, Equity & Inclusion (DEI)." This robust list is back to highlight a select group of publicly traded corporations that have demonstrated an unwavering commitment to creating dynamic workforces, diverse corporate governance, expansive supply chains, and inclusive management. The post-pandemic era is marked by two powerful and defining forces: companies committed to addressing systemic inequities versus conservatives lashing out against the actions of so-called "woke" institutions. In this dynamic environment, BLACK ENTERPRISE firmly advocates for the importance of prioritizing DEI on the corporate agenda. The Best Companies for DEI list stands as a powerful testament, affirming that fair access to opportunities is not merely a feel-good initiative but a transformative business imperative that can change the world. "BLACK ENTERPRISE is proud to unveil our distinguished roster of companies that have demonstrated an unwavering dedication to DEI across various dimensions, including their employee base, senior management, board of directors, and procurement," said BLACK ENTERPRISE's esteemed Executive Vice President & Chief Content Officer Derek Dingle. "Our diligent editorial research team conducted a comprehensive analysis, meticulously examining the ethnic and gender composition and the efficacy of programs aimed at nurturing an inclusive work environment. We thoroughly evaluated company standings by utilizing surveys, BLACK ENTERPRISE's wealth of diversity and corporate leadership data, as well as engaging with diversity departments and relevant organizations." BLACK ENTERPRISE proudly presents the 2023 List of the Best Companies for Diversity, Equity & Inclusion. The following companies have exemplified their dedication to fostering an inclusive and diverse workplace: ACCENTURE PLCADP INC.AFLAC INC.ALLSTATE CORP.AMEREN CORP.AMERICAN EXPRESS CO.ARAMARKAT&T INC.BANK OF AMERICA CORP.CIGNA CORP.CMS ENERGYTHE COCA-COLA CO.COMCAST CORP.COMERICA INC.CONSOLIDATED EDISON INC.DELTA AIR LINESDTE ENERGY CO.DUKE ENERGY CORP.ENTERGY CORP.EXELON CORP.FANNIE MAEFEDEX CORP.FORD MOTOR CO.GENERAL MILLS INC.GENERAL MOTORSIBMJC PENNEYJLLJOHNSON CONTROLSJP MORGAN CHASETHE KELLOGG CO.LILLYLOCKHEED MARTIN CORP.LOWE'S COS INC.MACY'S INC.MARRIOTT INTERNATIONAL, INC.MASTERCARDMCDONALD'S CORP.MERCKMGM RESORTS INTERNATIONALMORGAN STANLEYNATIONWIDENORTHWESTERN MUTUALPACIFIC GAS & ELECTRIC CO.PEPSICO INC.PNC FINANCIAL SERVICE GROUP INC.PRUDENTIAL FINANCIAL INC.SEMPRASOUTHERN CO.STATE FARMTIAATOYOTA MOTOR NORTH AMERICAU.S. BANKUNITED AIRLINES HOLDINGSUPSVERIZON COMMUNICATIONSWALGREENS BOOTS ALLIANCEWALMART STORES INC.WELLS FARGO & CO.XEROXThe significance of DEI initiatives cannot be overstated when it comes to establishing an inclusive, forward-thinking, and fair workplace. In conjunction with the highly regarded Best Companies for DEI list, BLACK ENTERPRISE honored the remarkable individuals and organizations spearheading diversity and inclusion efforts. This distinguished recognition occurred at the Chief Diversity Officers Summit and Honors ceremony, hosted at the prestigious Rainbow Room in Rockefeller Center. By embracing diversity and actively championing inclusivity, companies can unlock their employees' full potential, drive remarkable business achievements, and foster a positive societal impact. To read the full list, please visit https://www.blackenterprise.com/chiefdiversitysummit/2023bestcompaniesfordiversity/. To stay up to date on upcoming BLACK ENTERPRISE announcements, visit blackenterprise.com and follow them on social media across Instagram, Twitter, and Facebook. About BLACK ENTERPRISE Founded in 1970, BLACK ENTERPRISE is a mission-centric publication focused on providing relevant information for success-minded people at every stage of their financial journey. Designed to highlight Black leadership and entrepreneurial journeys, BLACK ENTERPRISE reaches its audience through its events and linear and digital channels. BLACK ENTERPRISE aims to be a fountain of knowledge on the how to in achieving financial success. To learn more about the company, please visit blackenterprise.com and follow us on social media across Instagram, Twitter, and Facebook. View original content to download multimedia:https://www.prnewswire.com/news-releases/black-enterprise-announces-the-2023-best-companies-for-diversity-equity--inclusion-301867489.html SOURCE BLACK ENTERPRISE   Draper Journal Facebook Skip to main content About Us Advertise Rack Locations More Journals Contact Us E-Edition News Sports Local Life Education Business Food+Dining Arts+Entertainment Calendar Directory Sponsored Content Submit an Event List Your Business Login/Join Search Search News Sports Local Life Education Business Food+Dining Arts+Entertainment Calendar Directory News Sports Local Life Education Business Food+Dining Arts+Entertainment Calendar Directory Sponsored Content 2023 | Powered by Locable | Terms of Service Submit an Event List Your Business Login/Join

Small Business - The Troy Messenger | The Troy MessengerBLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSIONPR NewswireThursday, June 29, 2023 at 7:45pm UTC BLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSION PR Newswire NEW YORK, June 29, 2023 The leading digital media company showcases the foremost 60 companies that champion inclusion and propel business success through their DEI initiatives. NEW YORK, June 29, 2023 /PRNewswire/ -- BLACK ENTERPRISE, the top Black digital media brand and premier business and financial resource for African Americans, proudly unveils its highly anticipated list of the "Best Companies for Diversity, Equity & Inclusion (DEI)." This robust list is back to highlight a select group of publicly traded corporations that have demonstrated an unwavering commitment to creating dynamic workforces, diverse corporate governance, expansive supply chains, and inclusive management. The post-pandemic era is marked by two powerful and defining forces: companies committed to addressing systemic inequities versus conservatives lashing out against the actions of so-called "woke" institutions. In this dynamic environment, BLACK ENTERPRISE firmly advocates for the importance of prioritizing DEI on the corporate agenda. The Best Companies for DEI list stands as a powerful testament, affirming that fair access to opportunities is not merely a feel-good initiative but a transformative business imperative that can change the world. "BLACK ENTERPRISE is proud to unveil our distinguished roster of companies that have demonstrated an unwavering dedication to DEI across various dimensions, including their employee base, senior management, board of directors, and procurement," said BLACK ENTERPRISE's esteemed Executive Vice President & Chief Content Officer Derek Dingle. "Our diligent editorial research team conducted a comprehensive analysis, meticulously examining the ethnic and gender composition and the efficacy of programs aimed at nurturing an inclusive work environment. We thoroughly evaluated company standings by utilizing surveys, BLACK ENTERPRISE's wealth of diversity and corporate leadership data, as well as engaging with diversity departments and relevant organizations." BLACK ENTERPRISE proudly presents the 2023 List of the Best Companies for Diversity, Equity & Inclusion. The following companies have exemplified their dedication to fostering an inclusive and diverse workplace: ACCENTURE PLCADP INC.AFLAC INC.ALLSTATE CORP.AMEREN CORP.AMERICAN EXPRESS CO.ARAMARKAT&T INC.BANK OF AMERICA CORP.CIGNA CORP.CMS ENERGYTHE COCA-COLA CO.COMCAST CORP.COMERICA INC.CONSOLIDATED EDISON INC.DELTA AIR LINESDTE ENERGY CO.DUKE ENERGY CORP.ENTERGY CORP.EXELON CORP.FANNIE MAEFEDEX CORP.FORD MOTOR CO.GENERAL MILLS INC.GENERAL MOTORSIBMJC PENNEYJLLJOHNSON CONTROLSJP MORGAN CHASETHE KELLOGG CO.LILLYLOCKHEED MARTIN CORP.LOWE'S COS INC.MACY'S INC.MARRIOTT INTERNATIONAL, INC.MASTERCARDMCDONALD'S CORP.MERCKMGM RESORTS INTERNATIONALMORGAN STANLEYNATIONWIDENORTHWESTERN MUTUALPACIFIC GAS & ELECTRIC CO.PEPSICO INC.PNC FINANCIAL SERVICE GROUP INC.PRUDENTIAL FINANCIAL INC.SEMPRASOUTHERN CO.STATE FARMTIAATOYOTA MOTOR NORTH AMERICAU.S. BANKUNITED AIRLINES HOLDINGSUPSVERIZON COMMUNICATIONSWALGREENS BOOTS ALLIANCEWALMART STORES INC.WELLS FARGO & CO.XEROXThe significance of DEI initiatives cannot be overstated when it comes to establishing an inclusive, forward-thinking, and fair workplace. In conjunction with the highly regarded Best Companies for DEI list, BLACK ENTERPRISE honored the remarkable individuals and organizations spearheading diversity and inclusion efforts. This distinguished recognition occurred at the Chief Diversity Officers Summit and Honors ceremony, hosted at the prestigious Rainbow Room in Rockefeller Center. By embracing diversity and actively championing inclusivity, companies can unlock their employees' full potential, drive remarkable business achievements, and foster a positive societal impact. To read the full list, please visit https://www.blackenterprise.com/chiefdiversitysummit/2023bestcompaniesfordiversity/. To stay up to date on upcoming BLACK ENTERPRISE announcements, visit blackenterprise.com and follow them on social media across Instagram, Twitter, and Facebook. About BLACK ENTERPRISE Founded in 1970, BLACK ENTERPRISE is a mission-centric publication focused on providing relevant information for success-minded people at every stage of their financial journey. Designed to highlight Black leadership and entrepreneurial journeys, BLACK ENTERPRISE reaches its audience through its events and linear and digital channels. BLACK ENTERPRISE aims to be a fountain of knowledge on the how to in achieving financial success. To learn more about the company, please visit blackenterprise.com and follow us on social media across Instagram, Twitter, and Facebook. View original content to download multimedia:https://www.prnewswire.com/news-releases/black-enterprise-announces-the-2023-best-companies-for-diversity-equity--inclusion-301867489.html SOURCE BLACK ENTERPRISE Polls What is your favorite thing about Halloween? Scary movies Ghost stories Trick r Treating/candy The weather Other View Results  Loading ... 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Small Business - Vicksburg Warren County | The Vicksburg PostBLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSIONPR NewswireThursday, June 29, 2023 at 7:45pm UTC BLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSION PR Newswire NEW YORK, June 29, 2023 The leading digital media company showcases the foremost 60 companies that champion inclusion and propel business success through their DEI initiatives. NEW YORK, June 29, 2023 /PRNewswire/ -- BLACK ENTERPRISE, the top Black digital media brand and premier business and financial resource for African Americans, proudly unveils its highly anticipated list of the "Best Companies for Diversity, Equity & Inclusion (DEI)." This robust list is back to highlight a select group of publicly traded corporations that have demonstrated an unwavering commitment to creating dynamic workforces, diverse corporate governance, expansive supply chains, and inclusive management. The post-pandemic era is marked by two powerful and defining forces: companies committed to addressing systemic inequities versus conservatives lashing out against the actions of so-called "woke" institutions. In this dynamic environment, BLACK ENTERPRISE firmly advocates for the importance of prioritizing DEI on the corporate agenda. The Best Companies for DEI list stands as a powerful testament, affirming that fair access to opportunities is not merely a feel-good initiative but a transformative business imperative that can change the world. "BLACK ENTERPRISE is proud to unveil our distinguished roster of companies that have demonstrated an unwavering dedication to DEI across various dimensions, including their employee base, senior management, board of directors, and procurement," said BLACK ENTERPRISE's esteemed Executive Vice President & Chief Content Officer Derek Dingle. "Our diligent editorial research team conducted a comprehensive analysis, meticulously examining the ethnic and gender composition and the efficacy of programs aimed at nurturing an inclusive work environment. We thoroughly evaluated company standings by utilizing surveys, BLACK ENTERPRISE's wealth of diversity and corporate leadership data, as well as engaging with diversity departments and relevant organizations." BLACK ENTERPRISE proudly presents the 2023 List of the Best Companies for Diversity, Equity & Inclusion. The following companies have exemplified their dedication to fostering an inclusive and diverse workplace: ACCENTURE PLCADP INC.AFLAC INC.ALLSTATE CORP.AMEREN CORP.AMERICAN EXPRESS CO.ARAMARKAT&T INC.BANK OF AMERICA CORP.CIGNA CORP.CMS ENERGYTHE COCA-COLA CO.COMCAST CORP.COMERICA INC.CONSOLIDATED EDISON INC.DELTA AIR LINESDTE ENERGY CO.DUKE ENERGY CORP.ENTERGY CORP.EXELON CORP.FANNIE MAEFEDEX CORP.FORD MOTOR CO.GENERAL MILLS INC.GENERAL MOTORSIBMJC PENNEYJLLJOHNSON CONTROLSJP MORGAN CHASETHE KELLOGG CO.LILLYLOCKHEED MARTIN CORP.LOWE'S COS INC.MACY'S INC.MARRIOTT INTERNATIONAL, INC.MASTERCARDMCDONALD'S CORP.MERCKMGM RESORTS INTERNATIONALMORGAN STANLEYNATIONWIDENORTHWESTERN MUTUALPACIFIC GAS & ELECTRIC CO.PEPSICO INC.PNC FINANCIAL SERVICE GROUP INC.PRUDENTIAL FINANCIAL INC.SEMPRASOUTHERN CO.STATE FARMTIAATOYOTA MOTOR NORTH AMERICAU.S. BANKUNITED AIRLINES HOLDINGSUPSVERIZON COMMUNICATIONSWALGREENS BOOTS ALLIANCEWALMART STORES INC.WELLS FARGO & CO.XEROXThe significance of DEI initiatives cannot be overstated when it comes to establishing an inclusive, forward-thinking, and fair workplace. In conjunction with the highly regarded Best Companies for DEI list, BLACK ENTERPRISE honored the remarkable individuals and organizations spearheading diversity and inclusion efforts. This distinguished recognition occurred at the Chief Diversity Officers Summit and Honors ceremony, hosted at the prestigious Rainbow Room in Rockefeller Center. By embracing diversity and actively championing inclusivity, companies can unlock their employees' full potential, drive remarkable business achievements, and foster a positive societal impact. To read the full list, please visit https://www.blackenterprise.com/chiefdiversitysummit/2023bestcompaniesfordiversity/. To stay up to date on upcoming BLACK ENTERPRISE announcements, visit blackenterprise.com and follow them on social media across Instagram, Twitter, and Facebook. About BLACK ENTERPRISE Founded in 1970, BLACK ENTERPRISE is a mission-centric publication focused on providing relevant information for success-minded people at every stage of their financial journey. Designed to highlight Black leadership and entrepreneurial journeys, BLACK ENTERPRISE reaches its audience through its events and linear and digital channels. BLACK ENTERPRISE aims to be a fountain of knowledge on the how to in achieving financial success. To learn more about the company, please visit blackenterprise.com and follow us on social media across Instagram, Twitter, and Facebook. View original content to download multimedia:https://www.prnewswire.com/news-releases/black-enterprise-announces-the-2023-best-companies-for-diversity-equity--inclusion-301867489.html SOURCE BLACK ENTERPRISE Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to print (Opens in new window) Subscribe Home News Sports Obituaries Opinion Lifestyles Education Contests Submit Submit an Obituary Submit a Photo Submit a News Tip Letters to the Editor Submit an Engagement Announcement Submit a Wedding Announcement Submit an Anniversary Announcement Submit a Birth Announcement Classifieds Public Notices E-Post Sections Home News Sports Opinion Health Classifieds Services About Us Contact Us Policies Copyright © 2021, The Vicksburg Post

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Entertain­ment & Media Financial Services & Investing General Business Science & Tech Consumer Technology Energy & Natural Resources Environ­ment Heavy Industry & Manufacturing Telecomm­unications Lifestyle & Health Consumer Products & Retail Entertain­ment & Media Health Sports Travel Policy & Public Interest People & Culture People & Culture Send a Release Sign Up Log In Resources Blog Journalists RSS GDPR Overview Distribution by PR Newswire Investor Relations SocialBoost All Products Send a Release Sign Up Log In Resources Blog Journalists RSS GDPR General Inquiries Editorial Bureaus Partnerships Media Inquiries Worldwide Offices Send a Release Sign Up Log In Resources Blog Journalists RSS GDPR BLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSION News provided by BLACK ENTERPRISE Jun 29, 2023, 15:45 ET Share this article Share toX Share this article Share toX The leading digital media company showcases the foremost 60 companies that champion inclusion and propel business success through their DEI initiatives. NEW YORK, June 29, 2023 /PRNewswire/ -- BLACK ENTERPRISE, the top Black digital media brand and premier business and financial resource for African Americans, proudly unveils its highly anticipated list of the "Best Companies for Diversity, Equity & Inclusion (DEI)." This robust list is back to highlight a select group of publicly traded corporations that have demonstrated an unwavering commitment to creating dynamic workforces, diverse corporate governance, expansive supply chains, and inclusive management. The post-pandemic era is marked by two powerful and defining forces: companies committed to addressing systemic inequities versus conservatives lashing out against the actions of so-called "woke" institutions. In this dynamic environment, BLACK ENTERPRISE firmly advocates for the importance of prioritizing DEI on the corporate agenda. The Best Companies for DEI list stands as a powerful testament, affirming that fair access to opportunities is not merely a feel-good initiative but a transformative business imperative that can change the world. "BLACK ENTERPRISE is proud to unveil our distinguished roster of companies that have demonstrated an unwavering dedication to DEI across various dimensions, including their employee base, senior management, board of directors, and procurement," said BLACK ENTERPRISE's esteemed Executive Vice President & Chief Content Officer Derek Dingle. "Our diligent editorial research team conducted a comprehensive analysis, meticulously examining the ethnic and gender composition and the efficacy of programs aimed at nurturing an inclusive work environment. We thoroughly evaluated company standings by utilizing surveys, BLACK ENTERPRISE's wealth of diversity and corporate leadership data, as well as engaging with diversity departments and relevant organizations." BLACK ENTERPRISE proudly presents the 2023 List of the Best Companies for Diversity, Equity & Inclusion. The following companies have exemplified their dedication to fostering an inclusive and diverse workplace: ACCENTURE PLC ADP INC. AFLAC INC. ALLSTATE CORP. AMEREN CORP. AMERICAN EXPRESS CO. ARAMARK AT&T INC. BANK OF AMERICA CORP. CIGNA CORP. CMS ENERGY THE COCA-COLA CO. COMCAST CORP. COMERICA INC. CONSOLIDATED EDISON INC. DELTA AIR LINES DTE ENERGY CO. DUKE ENERGY CORP. ENTERGY CORP. EXELON CORP. FANNIE MAE FEDEX CORP. FORD MOTOR CO. GENERAL MILLS INC. GENERAL MOTORS IBM JC PENNEY JLL JOHNSON CONTROLS JP MORGAN CHASE THE KELLOGG CO. LILLY LOCKHEED MARTIN CORP. LOWE'S COS INC. MACY'S INC. MARRIOTT INTERNATIONAL, INC. MASTERCARD MCDONALD'S CORP. MERCK MGM RESORTS INTERNATIONAL MORGAN STANLEY NATIONWIDE NORTHWESTERN MUTUAL PACIFIC GAS & ELECTRIC CO. PEPSICO INC. PNC FINANCIAL SERVICE GROUP INC. PRUDENTIAL FINANCIAL INC. SEMPRA SOUTHERN CO. STATE FARM TIAA TOYOTA MOTOR NORTH AMERICA U.S. BANK UNITED AIRLINES HOLDINGS UPS VERIZON COMMUNICATIONS WALGREENS BOOTS ALLIANCE WALMART STORES INC. WELLS FARGO & CO. XEROX The significance of DEI initiatives cannot be overstated when it comes to establishing an inclusive, forward-thinking, and fair workplace. In conjunction with the highly regarded Best Companies for DEI list, BLACK ENTERPRISE honored the remarkable individuals and organizations spearheading diversity and inclusion efforts. This distinguished recognition occurred at the Chief Diversity Officers Summit and Honors ceremony, hosted at the prestigious Rainbow Room in Rockefeller Center. By embracing diversity and actively championing inclusivity, companies can unlock their employees' full potential, drive remarkable business achievements, and foster a positive societal impact. To read the full list, please visit https://www.blackenterprise.com/chiefdiversitysummit/2023bestcompaniesfordiversity/. To stay up to date on upcoming BLACK ENTERPRISE announcements, visit blackenterprise.com and follow them on social media across Instagram, Twitter, and Facebook. About BLACK ENTERPRISE Founded in 1970, BLACK ENTERPRISE is a mission-centric publication focused on providing relevant information for success-minded people at every stage of their financial journey. Designed to highlight Black leadership and entrepreneurial journeys, BLACK ENTERPRISE reaches its audience through its events and linear and digital channels. BLACK ENTERPRISE aims to be a fountain of knowledge on the how to in achieving financial success. To learn more about the company, please visit blackenterprise.com and follow us on social media across Instagram, Twitter, and Facebook. SOURCE BLACK ENTERPRISE × Modal title Also from this source BLACK ENTERPRISE to Host Second Wealth Building Dads Forum BLACK ENTERPRISE, the top Black digital media brand and premier business and financial resource for African Americans, is proud to announce the... The Benefits Are On The Balance Sheet: Corporate America Must Stand By DEI And Chief Diversity Officers This week in New York City, BLACK ENTERPRISE hosted its second annual Chief Diversity Officer Summit and Honors, presented in partnership with... 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South Jordan Journal | Educating | Entertaining | Informing | Press ReleasesBLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSIONPR NewswireThursday, June 29, 2023 at 7:45pm UTC BLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSION PR Newswire NEW YORK, June 29, 2023 The leading digital media company showcases the foremost 60 companies that champion inclusion and propel business success through their DEI initiatives. NEW YORK, June 29, 2023 /PRNewswire/ -- BLACK ENTERPRISE, the top Black digital media brand and premier business and financial resource for African Americans, proudly unveils its highly anticipated list of the "Best Companies for Diversity, Equity & Inclusion (DEI)." This robust list is back to highlight a select group of publicly traded corporations that have demonstrated an unwavering commitment to creating dynamic workforces, diverse corporate governance, expansive supply chains, and inclusive management. The post-pandemic era is marked by two powerful and defining forces: companies committed to addressing systemic inequities versus conservatives lashing out against the actions of so-called "woke" institutions. In this dynamic environment, BLACK ENTERPRISE firmly advocates for the importance of prioritizing DEI on the corporate agenda. The Best Companies for DEI list stands as a powerful testament, affirming that fair access to opportunities is not merely a feel-good initiative but a transformative business imperative that can change the world. "BLACK ENTERPRISE is proud to unveil our distinguished roster of companies that have demonstrated an unwavering dedication to DEI across various dimensions, including their employee base, senior management, board of directors, and procurement," said BLACK ENTERPRISE's esteemed Executive Vice President & Chief Content Officer Derek Dingle. "Our diligent editorial research team conducted a comprehensive analysis, meticulously examining the ethnic and gender composition and the efficacy of programs aimed at nurturing an inclusive work environment. We thoroughly evaluated company standings by utilizing surveys, BLACK ENTERPRISE's wealth of diversity and corporate leadership data, as well as engaging with diversity departments and relevant organizations." BLACK ENTERPRISE proudly presents the 2023 List of the Best Companies for Diversity, Equity & Inclusion. The following companies have exemplified their dedication to fostering an inclusive and diverse workplace: ACCENTURE PLCADP INC.AFLAC INC.ALLSTATE CORP.AMEREN CORP.AMERICAN EXPRESS CO.ARAMARKAT&T INC.BANK OF AMERICA CORP.CIGNA CORP.CMS ENERGYTHE COCA-COLA CO.COMCAST CORP.COMERICA INC.CONSOLIDATED EDISON INC.DELTA AIR LINESDTE ENERGY CO.DUKE ENERGY CORP.ENTERGY CORP.EXELON CORP.FANNIE MAEFEDEX CORP.FORD MOTOR CO.GENERAL MILLS INC.GENERAL MOTORSIBMJC PENNEYJLLJOHNSON CONTROLSJP MORGAN CHASETHE KELLOGG CO.LILLYLOCKHEED MARTIN CORP.LOWE'S COS INC.MACY'S INC.MARRIOTT INTERNATIONAL, INC.MASTERCARDMCDONALD'S CORP.MERCKMGM RESORTS INTERNATIONALMORGAN STANLEYNATIONWIDENORTHWESTERN MUTUALPACIFIC GAS & ELECTRIC CO.PEPSICO INC.PNC FINANCIAL SERVICE GROUP INC.PRUDENTIAL FINANCIAL INC.SEMPRASOUTHERN CO.STATE FARMTIAATOYOTA MOTOR NORTH AMERICAU.S. BANKUNITED AIRLINES HOLDINGSUPSVERIZON COMMUNICATIONSWALGREENS BOOTS ALLIANCEWALMART STORES INC.WELLS FARGO & CO.XEROXThe significance of DEI initiatives cannot be overstated when it comes to establishing an inclusive, forward-thinking, and fair workplace. In conjunction with the highly regarded Best Companies for DEI list, BLACK ENTERPRISE honored the remarkable individuals and organizations spearheading diversity and inclusion efforts. This distinguished recognition occurred at the Chief Diversity Officers Summit and Honors ceremony, hosted at the prestigious Rainbow Room in Rockefeller Center. By embracing diversity and actively championing inclusivity, companies can unlock their employees' full potential, drive remarkable business achievements, and foster a positive societal impact. To read the full list, please visit https://www.blackenterprise.com/chiefdiversitysummit/2023bestcompaniesfordiversity/. To stay up to date on upcoming BLACK ENTERPRISE announcements, visit blackenterprise.com and follow them on social media across Instagram, Twitter, and Facebook. About BLACK ENTERPRISE Founded in 1970, BLACK ENTERPRISE is a mission-centric publication focused on providing relevant information for success-minded people at every stage of their financial journey. Designed to highlight Black leadership and entrepreneurial journeys, BLACK ENTERPRISE reaches its audience through its events and linear and digital channels. BLACK ENTERPRISE aims to be a fountain of knowledge on the how to in achieving financial success. To learn more about the company, please visit blackenterprise.com and follow us on social media across Instagram, Twitter, and Facebook. View original content to download multimedia:https://www.prnewswire.com/news-releases/black-enterprise-announces-the-2023-best-companies-for-diversity-equity--inclusion-301867489.html SOURCE BLACK ENTERPRISE   South Jordan Journal on Facebook Skip to main content About Us Advertise Rack Locations More Journals Contact Us Write For Us E-Edition News Sports Local Life Education Business Arts+Entertainment Food+Dining Calendar Directory Sponsored Content Submit an Event List Your Business Login/Join Search Search News Sports Local Life Education Business Arts+Entertainment Food+Dining Calendar Directory News Sports Local Life Education Business Arts+Entertainment Food+Dining Calendar Directory Sponsored Content 2023 | Powered by Locable | Terms of Service Submit an Event List Your Business Login/Join

WNC Business | Connect | Inform | Inspire | Press ReleasesBLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSIONPR NewswireThursday, June 29, 2023 at 7:45pm UTC BLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSION PR Newswire NEW YORK, June 29, 2023 The leading digital media company showcases the foremost 60 companies that champion inclusion and propel business success through their DEI initiatives. NEW YORK, June 29, 2023 /PRNewswire/ -- BLACK ENTERPRISE, the top Black digital media brand and premier business and financial resource for African Americans, proudly unveils its highly anticipated list of the "Best Companies for Diversity, Equity & Inclusion (DEI)." This robust list is back to highlight a select group of publicly traded corporations that have demonstrated an unwavering commitment to creating dynamic workforces, diverse corporate governance, expansive supply chains, and inclusive management. The post-pandemic era is marked by two powerful and defining forces: companies committed to addressing systemic inequities versus conservatives lashing out against the actions of so-called "woke" institutions. In this dynamic environment, BLACK ENTERPRISE firmly advocates for the importance of prioritizing DEI on the corporate agenda. The Best Companies for DEI list stands as a powerful testament, affirming that fair access to opportunities is not merely a feel-good initiative but a transformative business imperative that can change the world. "BLACK ENTERPRISE is proud to unveil our distinguished roster of companies that have demonstrated an unwavering dedication to DEI across various dimensions, including their employee base, senior management, board of directors, and procurement," said BLACK ENTERPRISE's esteemed Executive Vice President & Chief Content Officer Derek Dingle. "Our diligent editorial research team conducted a comprehensive analysis, meticulously examining the ethnic and gender composition and the efficacy of programs aimed at nurturing an inclusive work environment. We thoroughly evaluated company standings by utilizing surveys, BLACK ENTERPRISE's wealth of diversity and corporate leadership data, as well as engaging with diversity departments and relevant organizations." BLACK ENTERPRISE proudly presents the 2023 List of the Best Companies for Diversity, Equity & Inclusion. The following companies have exemplified their dedication to fostering an inclusive and diverse workplace: ACCENTURE PLCADP INC.AFLAC INC.ALLSTATE CORP.AMEREN CORP.AMERICAN EXPRESS CO.ARAMARKAT&T INC.BANK OF AMERICA CORP.CIGNA CORP.CMS ENERGYTHE COCA-COLA CO.COMCAST CORP.COMERICA INC.CONSOLIDATED EDISON INC.DELTA AIR LINESDTE ENERGY CO.DUKE ENERGY CORP.ENTERGY CORP.EXELON CORP.FANNIE MAEFEDEX CORP.FORD MOTOR CO.GENERAL MILLS INC.GENERAL MOTORSIBMJC PENNEYJLLJOHNSON CONTROLSJP MORGAN CHASETHE KELLOGG CO.LILLYLOCKHEED MARTIN CORP.LOWE'S COS INC.MACY'S INC.MARRIOTT INTERNATIONAL, INC.MASTERCARDMCDONALD'S CORP.MERCKMGM RESORTS INTERNATIONALMORGAN STANLEYNATIONWIDENORTHWESTERN MUTUALPACIFIC GAS & ELECTRIC CO.PEPSICO INC.PNC FINANCIAL SERVICE GROUP INC.PRUDENTIAL FINANCIAL INC.SEMPRASOUTHERN CO.STATE FARMTIAATOYOTA MOTOR NORTH AMERICAU.S. BANKUNITED AIRLINES HOLDINGSUPSVERIZON COMMUNICATIONSWALGREENS BOOTS ALLIANCEWALMART STORES INC.WELLS FARGO & CO.XEROXThe significance of DEI initiatives cannot be overstated when it comes to establishing an inclusive, forward-thinking, and fair workplace. In conjunction with the highly regarded Best Companies for DEI list, BLACK ENTERPRISE honored the remarkable individuals and organizations spearheading diversity and inclusion efforts. This distinguished recognition occurred at the Chief Diversity Officers Summit and Honors ceremony, hosted at the prestigious Rainbow Room in Rockefeller Center. By embracing diversity and actively championing inclusivity, companies can unlock their employees' full potential, drive remarkable business achievements, and foster a positive societal impact. To read the full list, please visit https://www.blackenterprise.com/chiefdiversitysummit/2023bestcompaniesfordiversity/. To stay up to date on upcoming BLACK ENTERPRISE announcements, visit blackenterprise.com and follow them on social media across Instagram, Twitter, and Facebook. About BLACK ENTERPRISE Founded in 1970, BLACK ENTERPRISE is a mission-centric publication focused on providing relevant information for success-minded people at every stage of their financial journey. Designed to highlight Black leadership and entrepreneurial journeys, BLACK ENTERPRISE reaches its audience through its events and linear and digital channels. BLACK ENTERPRISE aims to be a fountain of knowledge on the how to in achieving financial success. To learn more about the company, please visit blackenterprise.com and follow us on social media across Instagram, Twitter, and Facebook. View original content to download multimedia:https://www.prnewswire.com/news-releases/black-enterprise-announces-the-2023-best-companies-for-diversity-equity--inclusion-301867489.html SOURCE BLACK ENTERPRISE Skip to main content About Contact Submit News Free Magazine Subscription E-Newsletter Home News Advice Profiles Business Profiles WNC People to Know It's My Job Cheers! 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BLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSION - BenzingaThe Only Monthly Membership With a Positive ROI!EspañaIndiaItalia대한민국日本My AccountMy AccountNotificationsOverview+ New WatchlistBenzinga ResearchBenzinga ProLog In---------------------The Only Monthly Membership With a Positive ROI!Get Benzinga Pro Data & APIsEventsMarketfyPremarketBoostAdvertiseContributeEspañaIndiaItalia대한민국日本LoginRegisterOur Services News EarningsGuidanceDividendsM&ABuybacksLegalInterviewsManagementOfferingsIPOsInsider TradesBiotech/FDAPoliticsGovernmentHealthcareMarkets Pre-MarketAfter HoursMoversETFsForexCannabisCommoditiesBinary OptionsBondsFuturesCME GroupGlobal EconomicsMiningPreviewsSmall-CapReal EstateCryptocurrencyPenny StocksDigital SecuritiesVolatilityOptions Ratings Analyst ColorDowngradesUpgradesInitiationsPrice TargetIdeas Trade IdeasLong IdeasShort IdeasTechnicalsFrom The PressJim CramerRumorsStock of the DayBest Stocks & ETFsBest Penny StocksBest S&P 500 ETFsBest Swing Trade StocksBest Blue Chip StocksBest High-Volume Penny StocksBest Small Cap ETFsBest Stocks to Day TradeBest REITsMoney InvestingCryptocurrencyMortgageInsuranceYieldPersonal FinanceForexStartup InvestingReal Estate InvestingProp TradingCredit CardsCrypto Cannabis Cannabis ConferenceNewsEarningsInterviewsDealsRegulationsPsychedelicsJobs Options Ratings Analyst ColorDowngradesUpgradesInitiationsPrice TargetIdeas Trade IdeasLong IdeasShort IdeasTechnicalsFrom The PressJim CramerRumorsStock of the DayBest Stocks & ETFsBest Penny StocksBest S&P 500 ETFsBest Swing Trade StocksBest Blue Chip StocksBest High-Volume Penny StocksBest Small Cap ETFsBest Stocks to Day TradeBest REITsMoney InvestingCryptocurrencyMortgageInsuranceYieldPersonal FinanceForexStartup InvestingReal Estate InvestingProp TradingCredit CardsCrypto Cannabis Cannabis ConferenceNewsEarningsInterviewsDealsRegulationsPsychedelicsJobs ResearchMy StocksToolsFree Benzinga Pro Trial CalendarsAnalyst Ratings CalendarConference Call CalendarDividend CalendarEarnings CalendarEconomic CalendarFDA CalendarGuidance CalendarIPO CalendarM&A CalendarSPAC CalendarStock Split CalendarTrade IdeasFree Stock ReportsInsider TradesTrade Idea FeedAnalyst RatingsUnusual Options ActivityHeatmapsFree NewsletterGovernment TradesShort InterestMost ShortedLargest IncreaseLargest DecreaseCalculatorsMargin CalculatorForex Profit Calculator100x Options Profit CalculatorRecentMarkets---------------------BLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSIONby PRNewswire June 29, 2023 3:45 PM | 4 min read | Make a CommentThe leading digital media company showcases the foremost 60 companies that champion inclusion and propel business success through their DEI initiatives. NEW YORK, June 29, 2023 /PRNewswire/ -- BLACK ENTERPRISE, the top Black digital media brand and premier business and financial resource for African Americans, proudly unveils its highly anticipated list of the "Best Companies for Diversity, Equity & Inclusion (DEI)." This robust list is back to highlight a select group of publicly traded corporations that have demonstrated an unwavering commitment to creating dynamic workforces, diverse corporate governance, expansive supply chains, and inclusive management. The post-pandemic era is marked by two powerful and defining forces: companies committed to addressing systemic inequities versus conservatives lashing out against the actions of so-called "woke" institutions. In this dynamic environment, BLACK ENTERPRISE firmly advocates for the importance of prioritizing DEI on the corporate agenda. The Best Companies for DEI list stands as a powerful testament, affirming that fair access to opportunities is not merely a feel-good initiative but a transformative business imperative that can change the world. "BLACK ENTERPRISE is proud to unveil our distinguished roster of companies that have demonstrated an unwavering dedication to DEI across various dimensions, including their employee base, senior management, board of directors, and procurement," said BLACK ENTERPRISE's esteemed Executive Vice President & Chief Content Officer Derek Dingle. "Our diligent editorial research team conducted a comprehensive analysis, meticulously examining the ethnic and gender composition and the efficacy of programs aimed at nurturing an inclusive work environment. We thoroughly evaluated company standings by utilizing surveys, BLACK ENTERPRISE's wealth of diversity and corporate leadership data, as well as engaging with diversity departments and relevant organizations." BLACK ENTERPRISE proudly presents the 2023 List of the Best Companies for Diversity, Equity & Inclusion. The following companies have exemplified their dedication to fostering an inclusive and diverse workplace: ACCENTURE PLCADP INC.AFLAC INC.ALLSTATE CORP.AMEREN CORP.AMERICAN EXPRESS CO.ARAMARKAT&T INC.BANK OF AMERICA CORP.CIGNA CORP.CMS ENERGYTHE COCA-COLA CO.COMCAST CORP.COMERICA INC.CONSOLIDATED EDISON INC.DELTA AIR LINESDTE ENERGY CO.DUKE ENERGY CORP.ENTERGY CORP.EXELON CORP.FANNIE MAEFEDEX CORP.FORD MOTOR CO.GENERAL MILLS INC.GENERAL MOTORSIBMJC PENNEYJLLJOHNSON CONTROLSJP MORGAN CHASETHE KELLOGG CO.LILLYLOCKHEED MARTIN CORP.LOWE'S COS INC.MACY'S INC.MARRIOTT INTERNATIONAL, INC.MASTERCARDMCDONALD'S CORP.MERCKMGM RESORTS INTERNATIONALMORGAN STANLEYNATIONWIDENORTHWESTERN MUTUALPACIFIC GAS & ELECTRIC CO.PEPSICO INC.PNC FINANCIAL SERVICE GROUP INC.PRUDENTIAL FINANCIAL INC.SEMPRASOUTHERN CO.STATE FARMTIAATOYOTA MOTOR NORTH AMERICAU.S. BANKUNITED AIRLINES HOLDINGSUPSVERIZON COMMUNICATIONSWALGREENS BOOTS ALLIANCEWALMART STORES INC.WELLS FARGO & CO.XEROXThe significance of DEI initiatives cannot be overstated when it comes to establishing an inclusive, forward-thinking, and fair workplace. In conjunction with the highly regarded Best Companies for DEI list, BLACK ENTERPRISE honored the remarkable individuals and organizations spearheading diversity and inclusion efforts. This distinguished recognition occurred at the Chief Diversity Officers Summit and Honors ceremony, hosted at the prestigious Rainbow Room in Rockefeller Center. By embracing diversity and actively championing inclusivity, companies can unlock their employees' full potential, drive remarkable business achievements, and foster a positive societal impact. To read the full list, please visit https://www.blackenterprise.com/chiefdiversitysummit/2023bestcompaniesfordiversity/. To stay up to date on upcoming BLACK ENTERPRISE announcements, visit blackenterprise.com and follow them on social media across Instagram, Twitter, and Facebook. About BLACK ENTERPRISE Founded in 1970, BLACK ENTERPRISE is a mission-centric publication focused on providing relevant information for success-minded people at every stage of their financial journey. Designed to highlight Black leadership and entrepreneurial journeys, BLACK ENTERPRISE reaches its audience through its events and linear and digital channels. BLACK ENTERPRISE aims to be a fountain of knowledge on the how to in achieving financial success. To learn more about the company, please visit blackenterprise.com and follow us on social media across Instagram, Twitter, and Facebook. View original content to download multimedia:https://www.prnewswire.com/news-releases/black-enterprise-announces-the-2023-best-companies-for-diversity-equity--inclusion-301867489.html SOURCE BLACK ENTERPRISEMarket News and Data brought to you by Benzinga APIs© 2024 Benzinga.com. Benzinga does not provide investment advice. 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Ashland - Local Town Pages | Press ReleasesBLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSIONPR NewswireThursday, June 29, 2023 at 7:45pm UTC BLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSION PR Newswire NEW YORK, June 29, 2023 The leading digital media company showcases the foremost 60 companies that champion inclusion and propel business success through their DEI initiatives. NEW YORK, June 29, 2023 /PRNewswire/ -- BLACK ENTERPRISE, the top Black digital media brand and premier business and financial resource for African Americans, proudly unveils its highly anticipated list of the "Best Companies for Diversity, Equity & Inclusion (DEI)." This robust list is back to highlight a select group of publicly traded corporations that have demonstrated an unwavering commitment to creating dynamic workforces, diverse corporate governance, expansive supply chains, and inclusive management. The post-pandemic era is marked by two powerful and defining forces: companies committed to addressing systemic inequities versus conservatives lashing out against the actions of so-called "woke" institutions. In this dynamic environment, BLACK ENTERPRISE firmly advocates for the importance of prioritizing DEI on the corporate agenda. The Best Companies for DEI list stands as a powerful testament, affirming that fair access to opportunities is not merely a feel-good initiative but a transformative business imperative that can change the world. "BLACK ENTERPRISE is proud to unveil our distinguished roster of companies that have demonstrated an unwavering dedication to DEI across various dimensions, including their employee base, senior management, board of directors, and procurement," said BLACK ENTERPRISE's esteemed Executive Vice President & Chief Content Officer Derek Dingle. "Our diligent editorial research team conducted a comprehensive analysis, meticulously examining the ethnic and gender composition and the efficacy of programs aimed at nurturing an inclusive work environment. We thoroughly evaluated company standings by utilizing surveys, BLACK ENTERPRISE's wealth of diversity and corporate leadership data, as well as engaging with diversity departments and relevant organizations." BLACK ENTERPRISE proudly presents the 2023 List of the Best Companies for Diversity, Equity & Inclusion. The following companies have exemplified their dedication to fostering an inclusive and diverse workplace: ACCENTURE PLCADP INC.AFLAC INC.ALLSTATE CORP.AMEREN CORP.AMERICAN EXPRESS CO.ARAMARKAT&T INC.BANK OF AMERICA CORP.CIGNA CORP.CMS ENERGYTHE COCA-COLA CO.COMCAST CORP.COMERICA INC.CONSOLIDATED EDISON INC.DELTA AIR LINESDTE ENERGY CO.DUKE ENERGY CORP.ENTERGY CORP.EXELON CORP.FANNIE MAEFEDEX CORP.FORD MOTOR CO.GENERAL MILLS INC.GENERAL MOTORSIBMJC PENNEYJLLJOHNSON CONTROLSJP MORGAN CHASETHE KELLOGG CO.LILLYLOCKHEED MARTIN CORP.LOWE'S COS INC.MACY'S INC.MARRIOTT INTERNATIONAL, INC.MASTERCARDMCDONALD'S CORP.MERCKMGM RESORTS INTERNATIONALMORGAN STANLEYNATIONWIDENORTHWESTERN MUTUALPACIFIC GAS & ELECTRIC CO.PEPSICO INC.PNC FINANCIAL SERVICE GROUP INC.PRUDENTIAL FINANCIAL INC.SEMPRASOUTHERN CO.STATE FARMTIAATOYOTA MOTOR NORTH AMERICAU.S. BANKUNITED AIRLINES HOLDINGSUPSVERIZON COMMUNICATIONSWALGREENS BOOTS ALLIANCEWALMART STORES INC.WELLS FARGO & CO.XEROXThe significance of DEI initiatives cannot be overstated when it comes to establishing an inclusive, forward-thinking, and fair workplace. In conjunction with the highly regarded Best Companies for DEI list, BLACK ENTERPRISE honored the remarkable individuals and organizations spearheading diversity and inclusion efforts. This distinguished recognition occurred at the Chief Diversity Officers Summit and Honors ceremony, hosted at the prestigious Rainbow Room in Rockefeller Center. By embracing diversity and actively championing inclusivity, companies can unlock their employees' full potential, drive remarkable business achievements, and foster a positive societal impact. To read the full list, please visit https://www.blackenterprise.com/chiefdiversitysummit/2023bestcompaniesfordiversity/. To stay up to date on upcoming BLACK ENTERPRISE announcements, visit blackenterprise.com and follow them on social media across Instagram, Twitter, and Facebook. About BLACK ENTERPRISE Founded in 1970, BLACK ENTERPRISE is a mission-centric publication focused on providing relevant information for success-minded people at every stage of their financial journey. Designed to highlight Black leadership and entrepreneurial journeys, BLACK ENTERPRISE reaches its audience through its events and linear and digital channels. BLACK ENTERPRISE aims to be a fountain of knowledge on the how to in achieving financial success. To learn more about the company, please visit blackenterprise.com and follow us on social media across Instagram, Twitter, and Facebook. View original content to download multimedia:https://www.prnewswire.com/news-releases/black-enterprise-announces-the-2023-best-companies-for-diversity-equity--inclusion-301867489.html SOURCE BLACK ENTERPRISE Skip to main content Our Newspapers Bellingham Franklin Holliston Hopedale Medway/Millis Natick Norfolk/Wrentham Norwood The Yankee Express About Us Contact Us Advertise Latest Issue Archives News Arts & Education Food & Entertainment Healthy Living Real Estate Calendar of Events Sports Community Community Announcement Post a Community Announcment Local Services Business Spotlight Professional Services Submit an Event List Your Business Login/Join Search Search News Arts & Education Food & Entertainment Healthy Living Real Estate Calendar of Events Sports Community Community Announcement Post a Community Announcment Local Services Business Spotlight Professional Services News Arts & Education Food & Entertainment Healthy Living Real Estate Calendar of Events Sports Community Community Announcement Post a Community Announcment Local Services Business Spotlight Professional Services Sponsored Content 2023 | Powered by Locable | Terms of Service Submit an Event List Your Business Login/Join

18 Quality Undervalued Cyclical Stocks | Morningstar Skip to Content Morningstar brands and products Company Get 7 Days Free Sign In Sign In Topics Investing Ideas MarketsStocksFundsETFsBondsPortfolio Markets Stocks Funds ETFs Bonds Investing Ideas Best Investments Christine Benz’s Portfolios Best Companies to Own Best ETFs Guide to 529 Plans Asset Management Companies Topics Portfolio Construction Economy Sustainable Investing Personal Finance Retirement For Advisors Alternative Investments Media Podcasts Free Email Newsletters Morningstar Magazine Videos Investing Definitions Just For Investors Morningstar Investor Morningstar Investor Newsletters Legacy Portfolio Manager Home Markets 18 Quality Undervalued Cyclical Stocks 18 Quality Undervalued Cyclical Stocks Economic uncertainty has left a large number of cyclical stocks trading at attractive prices. Jülide Sengil Jun 29, 2023 Share Amid speculation about the possibility of a recession, cyclical stocks had a tumultuous start to the year. As a result, many have been beaten down into undervalued territory. For long-term investors, there are notable opportunities among high-quality names such as U.S. Bancorp USB and International Flowers & Fragrances IFF.To find the best opportunities for investors, we searched for undervalued names among the 568 stocks in the Morningstar US Cyclical Super Sector Index. As of June 15, 2023, the index rose just 13.87% for the trailing 12-month period while the broader market grew 20.57% as measured by the Morningstar US Market Index.Although cyclical stocks have seen sustained growth over the second quarter of 2023, there are still plenty of four- and five-star names trading at discounted prices. Of the 233 stocks in the Cyclical Super Sector Index covered by Morningstar analysts, 228 (the vast majority, and nearly half the stocks in the overall index) were undervalued as of June 15. To narrow this list, we screened for undervalued stocks that have earned a Morningstar Economic Moat Rating to find companies with the strongest durable competitive advantages. The combination of undervalued stock and an economic moat can offer greater odds of future outperformance.That screen took us down to 18 stocks. From there we honed in on those with wide economic moats, meaning their competitive advantages are expected to last more than 20 years, which left us with two stocks: International Flavors & Fragrances and U.S. Bancorp, both of which traded more than 30% below their fair value estimates.The full list of 18 undervalued consumer cyclical stocks with moats can be found at the end of this article. Morningstar US Cyclical Super Sector What Is a Cyclical Stock?Cyclical stocks follow the overall economy, rising and falling alongside macroeconomic trends. That’s largely because many of the industries in the category depend on discretionary spending. The cyclical super sector includes stocks from the basic materials, consumer cyclical, financial services, and real estate sectors. JPMorgan Chase JPM, Tesla TSLA, and McDonald’s MCD are among the largest companies in the Morningstar Cyclical Super Sector Index. The Best Cyclical Stocks to Buy NowThese were the two wide-moat stocks among the most undervalued names in the Morningstar US Cyclical Super Sector Index as of June 15:International Flavors & FragrancesU.S. BancorpOf the two, International Flavors & Fragrances is more undervalued, trading at a 44% discount to its fair value estimate set by Morningstar analysts. Top Two Undervalued Cyclical Stocks International Flavors & FragrancesIndustry: Specialty ChemicalsMorningstar Fair Value Estimate: $140.00“International Flavors & Fragrances is a global leader in the specialty ingredients space. The company has grown rapidly via acquisition, having added DuPont’s nutrition and biosciences business in 2021 and Frutarom in 2018.“IFF is the largest specialty ingredients producer globally. The company sells ingredients for the food, beverage, health, household goods, personal care, and pharmaceutical industries. The company makes proprietary formulations, partnering with customers to deliver custom solutions. The company’s Nourish division, which generates roughly half its revenue, is a leading flavor producer. Its health and biosciences business, which generates around one-fourth of revenue, is a global leader in probiotics and enzymes. IFF is also one of the leading fragrance producers in the world.“We assign a wide moat rating to International Flavors & Fragrances. Moaty businesses that operate in this space tend to benefit from switching costs, intangible assets, or cost advantage. For IFF, we cite only intangible assets and switching costs. The company’s highly valuable intangible assets (in the form of proprietary formulations) provide significant pricing power, while switching costs help ensure durable economic profit generation.” —Seth Goldstein, strategistU.S. BancorpIndustry: Regional BanksMorningstar Fair Value Estimate: $53.00“U.S. Bancorp is one of the nation’s largest regional banks, with branches in roughly 26 states, primarily in the Western and Midwestern United States. The bank offers many services, including retail banking, commercial banking, trust and wealth services, credit cards, mortgages, and other payment capabilities.“The bank has national scale and a unique mix of fee-generating businesses, including payments, corporate trust, wealth management, and mortgage banking, all while avoiding investment banking. The payments business consists of merchant acquiring, corporate payments, and the more typical retail credit cards and debit cards. The trust business involves being an admin and custodian for different investment vehicles. Most regional peers don’t have these in their business mix. While these units have generated attractive returns, their heavy fixed-cost nature and scalability have led to consolidation in both industries and therefore heavy competition, with U.S. Bancorp now a relatively small player. Having this more complete product portfolio does give the bank competitive advantages.“Its latest strategy has been to focus on its payments ecosystem, expand its branch footprint, and pursue new acquisitions and partnerships. The bank has moved into several new population centers over the last several years, has partnered with State Farm, and is investing in its payments ecosystem. It wants to win more software-centric merchant acquiring business while also cross-selling more payments-related services to its corporate banking clients and vice-versa.”—Eric Compton, strategist Top 18 Undervalued Cyclical Stocks Evaluate the market like an analyst with a subscription to Morningstar Investor. Start Free Trial The author or authors do not own shares in any securities mentioned in this article. Find out about Morningstar’s editorial policies. Share More in Markets View All Here’s What Sparked Monday’s Stock Market Madness Why global markets plunged—and why you shouldn’t bail on your long-term plan. Sarah Hansen Aug 6, 2024 Magnificent Seven Stocks Slide, Valuations Looking ‘More Interesting’ Two of the mega-cap stocks that led the market higher are undervalued. Bella Albrecht Aug 6, 2024 What Caused the Stock Market Selloff? Investors worry that a recession is back on the table. Sarah Hansen Aug 6, 2024 About the Author View All Authors Jülide Sengil Associate Customer Success Manager More from Author 5 High-Yielding U.S. Treasury ETFs Jülide Sengil Feb 5, 2024 2 Top Asset Manager Stock Picks Jülide Sengil Dec 26, 2023 3 Undervalued Artificial Intelligence Stocks Jülide Sengil Nov 16, 2023 7 Undervalued Consumer Defensive Stocks Jülide Sengil Nov 2, 2023 5 Semiconductor Stocks That Still Have Room to Rally Jülide Sengil Oct 19, 2023 7 Undervalued REITs Jülide Sengil Sep 28, 2023 3 High-Quality Undervalued Basic Materials Stocks Jülide Sengil Sep 21, 2023 2 Undervalued Aerospace and Defense Stocks Jülide Sengil Sep 15, 2023 9 Undervalued Software Stocks Jülide Sengil Sep 7, 2023 4 Undervalued Wide-Moat Consumer Cyclical Stocks Jülide Sengil Aug 31, 2023 Sponsor Center Transparency is our policy. Learn how it impacts everything we do Read More Transparency is how we protect the integrity of our work and keep empowering investors to achieve their goals and dreams. And we have unwavering standards for how we keep that integrity intact, from our research and data to our policies on content and your personal data. We’d like to share more about how we work and what drives our day-to-day business. How we make money We sell different types of products and services to both investment professionals and individual investors. These products and services are usually sold through license agreements or subscriptions. Our investment management business generates asset-based fees, which are calculated as a percentage of assets under management. We also sell both admissions and sponsorship packages for our investment conferences and advertising on our websites and newsletters. 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HOAs aren’t finding relief from fire insurance scarcity Menu Log In Subscribe Shop Home News Crime Business Election 2020 Opinion Editorials Letters Columns Sports Features On the Town Community Health and Wellness Family Pets Schools Faith Life Tributes Acorn Series The Trail Less Traveled Real Estate Photos Vacation Photos Podcasts About Classifieds Advertising Advertising Information Place Private Party and Rental Ads Here Legal Ads Pricing Public Notices Other Publications The Acorn Moorpark Acorn Camarillo Acorn Simi Valley Acorn Beyond The Acorn Contact Us Pick Us Up Privacy Policy Log In Account Home Other Publications The Acorn Camarillo Acorn Moorpark Acorn Simi Valley Acorn Beyond Letter to the Editor Subscribe Shop Search for: Search Search for: Thursday, August 8, 2024 News Front Page Crime Neighbors Opinion Editorials Letters Columns Sports On the Town Community Health and Wellness Family Pets Schools Faith Life Tributes Acorn Series Invisible TO The Trail Less Traveled Finding Eric Business Real Estate Photos Vacation Photos Classifieds Online Ads About Advertising Advertising Information Place Private Party and Rental Ads Here Legal Ads Pricing Public Notices Acorn Videos E-Edition Contact Us Pick Us Up Podcasts Awards HOAs aren’t finding relief from fire insurance scarcity By TO Acorn Staff on June 30, 2023 By Victoria Talbotvtalbot@theacorn.com HOT TOPIC—Following recent devastating fires, like the Woolsey fire pictured here, insurance companies are pulling residential fire coverage or abandoning California altogether, leaving homeowners few options. Acorn file photo On May 30, California Department of Insurance Commissioner Ricardo Lara issued a consumer alert on State Farm’s decision to “temporarily pause” new policies in California. That was before Allstate quietly ceased issuing new policies and only announced in June that it was ending property and casualty insurance in a state that has seen its share of disasters in recent years. “While the California Department of Insurance cannot legally control a company’s business decision, we can help Californians navigate their options,” Lara said. Those options include 115 insurers still writing new policies in California, plus there is the California FAIR Plan Association, which was established to meet the needs of California homeowners unable to find insurance in the traditional marketplace and which will cover up to $3 million (in the fourth quarter of this year, which will jump to $20 million, according to Michael Soller, deputy insurance commissioner for the Department of Insurance). Even so, consumers, especially HOAs, find themselves struggling to find suitable, affordable habitational insurance when their previous insurers like CHUBB, Liberty Mutual and AIG inform them of non-renewals. Now, HOA management is forced to find excess or surplus carriers and cobble together coverage, and instead of having a $50,000 policy that covers $5 million, they get a $500,000 policy that covers a fraction of the value. Government program The California Department of Insurance is the agency charged with overseeing insurance regulations, enforcing statutes mandating consumer protections, educating consumers and fostering the stability of insurance markets in the state. Safer from Wildfires is one way Lara claims to be making progress for the insured. This regulation requires insurance companies “to offer discounts and disclose their property’s ‘wildfire risk score,’” said Soller. “Insurance companies that utilize these risk scores were required to submit their discount plans in April, and these are currently under review by our department’s rate regulation experts.” The DOI has a list of 18 carriers on its website, including the FAIR plan, currently offering discounts, most for Firewise Communities, which requires buy-in from a group of neighbors. The Firewise USA recognition program is administered by the National Fire Protection Association and provides a collaborative framework to help neighbors in a geographic area get organized, find direction, and take action to increase the ignition resistance of their homes and community and reduce wildfire risks at the local level. Soller said, “under the new regulation, insurance companies must provide your property’s risk score whenever you apply for a policy, before a renewal or non-renewal and anytime you have completed a mitigation on your property.” Companies are also required to provide a detailed explanation that includes how to lower that score and how much that would save, he said. The Ventura County Fire Department will offer a Firewise USA workshop for HOAs to attend in August, said Max Young, head of Wildfire Safety for the Ventura Regional Fire Safe Council. One Thousand Oaks HOA, Los Robles Estates, has become a Firewise Community, though it is unclear if they have been able to achieve discounts. “They were spurred to action last year when their insurance was raised quite high, and in about a year’s time, and with lots of work we are close to the finish line,” said Young. “With the insurance commissioners’ new April 12 regulation taking effect, we are very hopeful the work they’ve done will help the insurance become affordable again for their residents,” he said. So far, those discounts have proven to be elusive. Jurisdiction Only admitted carriers, who are required to contribute to the FAIR plan, are under the California Department of Insurance and Lara’s jurisdiction. Carriers that are not admitted, called excess and surplus carriers or E&S insurers, are not subject to the same regulation. They are designed for businesses with a uniquely high risk, which now includes condominium developments in California. The biggest differences between standard insurance and E&S policies are the amount of regulation, the flexibility in writing policies and the state’s involvement in guaranteeing coverage. It is these carriers that are increasingly insuring HOAs. “They don’t have to file with the DOI,” said Brian Linehan of LaBarre/Oksnee Insurance, whose specialty is HOA wildfire coverage. “The DOI is providing a lot of promises. Lara has no power for non-admitted carriers. That means its ‘take it or leave it.’ It’s as simple as that. You can’t even get a quote from a preferred carrier and that’s just the truth.” LaBarre/Oksnee is one of the largest retail insurance agencies specializing in Homeowners Associations in the nation. It is an independent agency that is not beholden to any single carrier. Gabe Albarian, Jr., president of the Westlake Pointe HOA and founder of the HOA President’s Council—which has members from both Ventura and Los Angeles counties—agrees. “There is no clear direction on what insurance companies are requiring. The California Insurance Commissioner’s Office has sent out flyers and notices to this effect; however, I cannot attest to their accuracy because we are not a Firewise Community, which is the requirement for most insurers providing discounts,” said Albarian. Ryan Gessell is the president of the Channel Islands Chapter of the Community Associations Institute. For 20 years, he has represented HOAs exclusively. “These regulations have no teeth,” said Gessell, adding that although the DOI may be able to force carriers to apply credits for fire hardening, they can’t force those carriers to offer the coverage in the first place. “If carriers simply refuse to quote any risks with any kind of brush exposure, then those regulations don’t help those communities that need it the most—and that’s what we’re seeing,” Gessell said. Moving target “All of the preferred insurance carriers (CA Admitted) continue to decline quoting risks with brush exposure that exceeds their comfortability, and that level of comfortability seems to be a moving target.” That target is moving, for the most part, in the opposite direction of community associations, he said. “This is a bunch of hollow promises,” said Linehan. “If I was a consumer, I’d think this was good. It looks like there is a light at the end of the tunnel, but the carriers have drawn a line in the sand.” “When all is said and done,” he said, “the DOI and carriers are putting homeowners in a position with no solution. “There’s a lot of confusion out there,” he said. “The state’s bureaucrats are doing a disservice. Instead of admitting the state got caught with their pants down and they don’t have an answer, they’re promising all of this.” Search for: Read The Digital Issue View Latest Edition Subscribe Now Most Read Articles1VCSO vehicle pursuit ends in Thousand Oaks2Sheriff shares video of T.O. shooting3Reagan didn’t close institutions Thousand Oaks Acorn Our Hometown DMCA NoticesNewspaper website content management software and services Copyright © 2000-2024 Times Media Group, All Rights Reserved. Change Location Find awesome listings near you! × Change Location

Small Business - The Charlotte Gazette | The Charlotte GazetteBLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSIONPR NewswireThursday, June 29, 2023 at 7:45pm UTC BLACK ENTERPRISE ANNOUNCES THE 2023 BEST COMPANIES FOR DIVERSITY, EQUITY & INCLUSION PR Newswire NEW YORK, June 29, 2023 The leading digital media company showcases the foremost 60 companies that champion inclusion and propel business success through their DEI initiatives. NEW YORK, June 29, 2023 /PRNewswire/ -- BLACK ENTERPRISE, the top Black digital media brand and premier business and financial resource for African Americans, proudly unveils its highly anticipated list of the "Best Companies for Diversity, Equity & Inclusion (DEI)." This robust list is back to highlight a select group of publicly traded corporations that have demonstrated an unwavering commitment to creating dynamic workforces, diverse corporate governance, expansive supply chains, and inclusive management. The post-pandemic era is marked by two powerful and defining forces: companies committed to addressing systemic inequities versus conservatives lashing out against the actions of so-called "woke" institutions. In this dynamic environment, BLACK ENTERPRISE firmly advocates for the importance of prioritizing DEI on the corporate agenda. The Best Companies for DEI list stands as a powerful testament, affirming that fair access to opportunities is not merely a feel-good initiative but a transformative business imperative that can change the world. "BLACK ENTERPRISE is proud to unveil our distinguished roster of companies that have demonstrated an unwavering dedication to DEI across various dimensions, including their employee base, senior management, board of directors, and procurement," said BLACK ENTERPRISE's esteemed Executive Vice President & Chief Content Officer Derek Dingle. "Our diligent editorial research team conducted a comprehensive analysis, meticulously examining the ethnic and gender composition and the efficacy of programs aimed at nurturing an inclusive work environment. We thoroughly evaluated company standings by utilizing surveys, BLACK ENTERPRISE's wealth of diversity and corporate leadership data, as well as engaging with diversity departments and relevant organizations." BLACK ENTERPRISE proudly presents the 2023 List of the Best Companies for Diversity, Equity & Inclusion. The following companies have exemplified their dedication to fostering an inclusive and diverse workplace: ACCENTURE PLCADP INC.AFLAC INC.ALLSTATE CORP.AMEREN CORP.AMERICAN EXPRESS CO.ARAMARKAT&T INC.BANK OF AMERICA CORP.CIGNA CORP.CMS ENERGYTHE COCA-COLA CO.COMCAST CORP.COMERICA INC.CONSOLIDATED EDISON INC.DELTA AIR LINESDTE ENERGY CO.DUKE ENERGY CORP.ENTERGY CORP.EXELON CORP.FANNIE MAEFEDEX CORP.FORD MOTOR CO.GENERAL MILLS INC.GENERAL MOTORSIBMJC PENNEYJLLJOHNSON CONTROLSJP MORGAN CHASETHE KELLOGG CO.LILLYLOCKHEED MARTIN CORP.LOWE'S COS INC.MACY'S INC.MARRIOTT INTERNATIONAL, INC.MASTERCARDMCDONALD'S CORP.MERCKMGM RESORTS INTERNATIONALMORGAN STANLEYNATIONWIDENORTHWESTERN MUTUALPACIFIC GAS & ELECTRIC CO.PEPSICO INC.PNC FINANCIAL SERVICE GROUP INC.PRUDENTIAL FINANCIAL INC.SEMPRASOUTHERN CO.STATE FARMTIAATOYOTA MOTOR NORTH AMERICAU.S. BANKUNITED AIRLINES HOLDINGSUPSVERIZON COMMUNICATIONSWALGREENS BOOTS ALLIANCEWALMART STORES INC.WELLS FARGO & CO.XEROXThe significance of DEI initiatives cannot be overstated when it comes to establishing an inclusive, forward-thinking, and fair workplace. In conjunction with the highly regarded Best Companies for DEI list, BLACK ENTERPRISE honored the remarkable individuals and organizations spearheading diversity and inclusion efforts. This distinguished recognition occurred at the Chief Diversity Officers Summit and Honors ceremony, hosted at the prestigious Rainbow Room in Rockefeller Center. By embracing diversity and actively championing inclusivity, companies can unlock their employees' full potential, drive remarkable business achievements, and foster a positive societal impact. To read the full list, please visit https://www.blackenterprise.com/chiefdiversitysummit/2023bestcompaniesfordiversity/. To stay up to date on upcoming BLACK ENTERPRISE announcements, visit blackenterprise.com and follow them on social media across Instagram, Twitter, and Facebook. About BLACK ENTERPRISE Founded in 1970, BLACK ENTERPRISE is a mission-centric publication focused on providing relevant information for success-minded people at every stage of their financial journey. Designed to highlight Black leadership and entrepreneurial journeys, BLACK ENTERPRISE reaches its audience through its events and linear and digital channels. BLACK ENTERPRISE aims to be a fountain of knowledge on the how to in achieving financial success. To learn more about the company, please visit blackenterprise.com and follow us on social media across Instagram, Twitter, and Facebook. View original content to download multimedia:https://www.prnewswire.com/news-releases/black-enterprise-announces-the-2023-best-companies-for-diversity-equity--inclusion-301867489.html SOURCE BLACK ENTERPRISE Special Sections More Special Sections Calendar of Events Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to email a link to a friend (Opens in new window)Click to print (Opens in new window) Subscribe Home News Education Opinion Sports Lifestyles Classifieds Public Notices Obits E-Edition Contests Submit Submit a Photo Submit a News Tip Submit a Letter to the Editor Submit an Engagement Announcement Submit a Wedding Announcement Submit an Anniversary Announcement COVID-19 Other Sites Farmville the Magazine The Farmville Herald The K-V Dispatch Sections Home News Sports Opinion Lifestyle Classifieds Public Notices Small Business Services About Us Terms of Use Subscribe Copyright © 2022, The Charlotte Gazette

Best Homeowners Insurance of 2024 Business Insider logo Personal Finance Business Insider logo Account icon An icon in the shape of a person's head and shoulders. It often indicates a user profile. Account icon An icon in the shape of a person's head and shoulders. It often indicates a user profile. JUMP TO Section Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. 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Best mortgage lenders Best mortgage refinance lenders Best FHA Lenders Best HELOC Lenders Investing Taxes Retirement Financial Planning Log out Account icon An icon in the shape of a person's head and shoulders. It often indicates a user profile. Login Personal Finance Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Insurance Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Homeowners Insurance Best Homeowners Insurance of 2024 Written by Lina Roby; edited by Sarah Silbert; reviewed by Evelyn He 2024-06-21T14:06:40Z Share icon An curved arrow pointing right. Share Facebook Icon The letter F. Facebook Email icon An envelope. It indicates the ability to send an email. Email Twitter icon A stylized bird with an open mouth, tweeting. Twitter LinkedIn icon LinkedIn Link icon An image of a chain link. It symobilizes a website link url. Copy Link lighning bolt icon An icon in the shape of a lightning bolt. Impact Link Save Article Icon A bookmark Save Read in app JUMP TO Section Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Amica Homeowners Insurance USAA Homeowners Insurance State Farm Homeowners Insurance GEICO Homeowners Insurance Allstate Homeowners Insurance FAQs Why You Should Trust Us Amica Homeowners Insurance USAA Homeowners Insurance State Farm Homeowners Insurance GEICO Homeowners Insurance Allstate Homeowners Insurance FAQs Why You Should Trust Us Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews. A good home insurance company can reduce a family disaster to a small bump in the road. It could be as simple as a curling iron that was not unplugged or as big as a hurricane. No matter the cause, the destruction of your home and belongings doesn't have to be so stressful.Best Homeowners Insurance CompaniesBest overall: Amica Homeowners InsuranceBest for military: USAA Homeowners InsuranceBest for customer satisfaction: State Farm Homeowners InsuranceBest for cheap home insurance: GEICO Homeowners InsuranceBest for investors: Allstate Homeowners InsuranceShop the Top Homeowners Insurance Best Overall Amica Homeowners Insurance Get quotes Compare policies and rates Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.12/5 Icon of check mark inside a promo stamp It indicates a confirmed selection. Perks Highly rated by JD Power and available in 48 states and Washington, DC. JD Power Customer Satisfaction Rating 849 AM Best Financial Strength Rating A+ Pros Check mark icon A check mark. It indicates a confirmation of your intended interaction. Highly ranked in JD Power's customer satisfaction study Check mark icon A check mark. It indicates a confirmation of your intended interaction. Wide array of discounts Check mark icon A check mark. It indicates a confirmation of your intended interaction. Competitive annual premiums on homeowners insurance Cons con icon Two crossed lines that form an 'X'. Not available in Alaska and Hawaii con icon Two crossed lines that form an 'X'. May not offer the specialty coverage consumers need Insider’s Take Amica homeowners insurance ranks high with JD Power, operating in 48 states and Washington, DC. Its wide range of home insurance coverage, online policy management, and independent agents makes Amica an attractive option for many consumers. Amica homeowners insurance review External link Arrow An arrow icon, indicating this redirects the user." Product Details Ranked No. 1 in J.D. Power's homeowners insurance customer satisfaction survey. Loyalty discount, automatic detection devices discount, alarm system discount, claim free discount. Offers home insurance dividends on your policy. Show Pros, Cons, and More chevron down icon An icon in the shape of an angle pointing down. Best for Military USAA Homeowners Insurance Get quotes Compare policies and rates Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.87/5 Icon of check mark inside a promo stamp It indicates a confirmed selection. Perks Straightforward claims process, customizable coverage options, and top-notch customer service. JD Power Customer Satisfaction Rating 884 AM Best Financial Strength Rating A++ Pros Check mark icon A check mark. It indicates a confirmation of your intended interaction. High customer satisfaction Check mark icon A check mark. It indicates a confirmation of your intended interaction. Competitive rates for eligible customers Check mark icon A check mark. It indicates a confirmation of your intended interaction. Homeowners insurance can be combined with other USAA financial products Cons con icon Two crossed lines that form an 'X'. Only available to military, veterans, and their families Insider’s Take USAA homeowners insurance is available to active duty military members, veterans, and their families. It offers competitive rates and coverage. USAA homeowners insurance review External link Arrow An arrow icon, indicating this redirects the user." Product Details USAA's homeowner's insurance is for military members, veterans, and their families. Discounts for Connected Home, ADT security systems, and being claim-free for 5 years Covers personal belongings with no depreciation USAA members were surveyed, and if had included on J.D Power's homeowners customer satisfaction survey, it would have been No. 1. Show Pros, Cons, and More chevron down icon An icon in the shape of an angle pointing down. Best for Customer Satisfaction State Farm Homeowners Insurance Get quotes Compare policies and rates Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.5/5 Icon of check mark inside a promo stamp It indicates a confirmed selection. Perks State Farm offers six discounts to help you save on your homeowners insurance policy. JD Power Customer Satisfaction Rating 829 AM Best Financial Strength Rating A++ Pros Check mark icon A check mark. It indicates a confirmation of your intended interaction. Established insurance company Check mark icon A check mark. It indicates a confirmation of your intended interaction. Nationwide presence Check mark icon A check mark. It indicates a confirmation of your intended interaction. Highly rated customer satisfaction Check mark icon A check mark. It indicates a confirmation of your intended interaction. Discounts for bundling insurance products Cons con icon Two crossed lines that form an 'X'. High number of complaints about the claims process on ConsumerAffairs con icon Two crossed lines that form an 'X'. Policies can only be purchased through captive agents Insider’s Take State Farm Insurance is sold exclusively by captive agents, limiting options to compare rates. However, State Farm agents are extensively trained to quote State Farm policies with all applicable discounts, especially if you choose to bundle your insurance coverage. State Farm offers coverage for most homes. State Farm Homeowners Insurance review External link Arrow An arrow icon, indicating this redirects the user." Product Details Homeowners insurance include Ting fire safety technology, cyber event identity restoration and fraud loss (CEIDR), and pet insurance Ranks highly for customer satisfaction Show Pros, Cons, and More chevron down icon An icon in the shape of an angle pointing down. Best for Cheap Homeowners Insurance GEICO Homeowners Insurance Get quotes Compare policies and rates Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.12/5 Icon of check mark inside a promo stamp It indicates a confirmed selection. Perks Offers multi-policy discounts. AM Best Financial Strength Rating A++ Pros Check mark icon A check mark. It indicates a confirmation of your intended interaction. Established homeowners insurance company with plenty of insurance bundling options Check mark icon A check mark. It indicates a confirmation of your intended interaction. National presence covering all 50 states Check mark icon A check mark. It indicates a confirmation of your intended interaction. Easy online quoting Check mark icon A check mark. It indicates a confirmation of your intended interaction. Discounts for bundling insurance products Cons con icon Two crossed lines that form an 'X'. Customer satisfaction varies across products con icon Two crossed lines that form an 'X'. GEICO offers phone support, but not personalized insurance agent support Insider’s Take GEICO homeowners insurance is one of many products the online giant offers. But, unlike its auto insurance, it encourages customers to work with its call center agents to find the right fit, buy all necessary coverage, etc. GEICO homeowners insurance review External link Arrow An arrow icon, indicating this redirects the user." Product Details Discounts for home safety, and bundling Offers flood insurance (purchased separately) Homeowners, condo, and mobile home insurance Show Pros, Cons, and More chevron down icon An icon in the shape of an angle pointing down. Best for Investors Allstate Homeowners Insurance Get quotes Compare policies and rates Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.25/5 Icon of check mark inside a promo stamp It indicates a confirmed selection. Perks Offers many coverage riders to enhance your homeowners coverage and many discounts. JD Power Customer Satisfaction Rating 815 AM Best Financial Strength Rating A+ Pros Check mark icon A check mark. It indicates a confirmation of your intended interaction. Established company with national presence and quotes available online Check mark icon A check mark. It indicates a confirmation of your intended interaction. Quoting available with knowledgeable agents who can also quote other insurance products Check mark icon A check mark. It indicates a confirmation of your intended interaction. Easy bundling options for qualified buyers Cons con icon Two crossed lines that form an 'X'. Rates are slightly higher than what other companies offer con icon Two crossed lines that form an 'X'. Policies are only available through captive agents con icon Two crossed lines that form an 'X'. Claims process may be slow and conservative leading to denials Insider’s Take Allstate offers many of the most important personal insurance products, including homeowners insurance. It leads the market in discounts, but its base rates may not be as competitive as State Farm and other big competitors. Allstate review External link Arrow An arrow icon, indicating this redirects the user." Product Details Offers HostAdvantage which is protection for your belongings while renting out your home. Offers flood insurance. Offers coverage during identity theft. You can get discounts for installing protective devices, and being claim free. Show Pros, Cons, and More chevron down icon An icon in the shape of an angle pointing down. Best Home Insurance Company ReviewsWhatever the situation, quality home insurance coverage could be the difference between full recovery and financial ruin after a home-based incident. A strong home insurance company will assess the damage and pay your claim quickly. Policies are clear, and many insurance companies will deploy agents to hold your hand and help you every step of the way.Amica Mutual: Best OverallAmica homeowners insurance tops the charts with industry resources like J.D. Power. In business since 1907, Amica Mutual offers standard and platinum policy options. Some policies offer dividend payments of up to 20% of annual premiums for qualified individuals in participating states. The company also has some of the most affordable homeowners insurance rates. While satisfaction and performance are high, it does not offer coverage in Alaska or Hawai'i. Amica was ranked first in the 2021 and 2022 J.D. Power home insurance studies.Amica Homeowners Insurance ReviewUSAA:  Best for militaryUSAA homeowners insurance plans are exclusively available to military members and their immediate family members. But like its other products, USAA maintains a tight grip on the homeowners insurance market for that select population. Its plans offer both the cheapest home insurance and the best coverage available to US military members. When combined with car insurance, bank accounts, and other products, insured parties may qualify for even lower prices.USAA Homeowners Insurance ReviewState Farm: Best for customer satisfactionState Farm homeowners insurance remains one of the most recognizable names in insurance, particularly in homeowners and affordable car insurance. The company works exclusively with captive agents (i.e., agents can only quote and sell State Farm or State Farm partner products). So if you don't like your quote, want to compare home insurance quotes, or don't qualify for coverage, you'll have to talk to at least one more insurance agent. But its agents can get you the most competitive quotes with all applicable discounts for State Farm products.State Farm agents can quote and bind policies for most single-family residences, condos, etc. However, you may run into trouble for multi-units with more than four legal units or in high-risk (but insurable) areas such as higher lava zones or areas affected by wildfires.State Farm Homeowners Insurance ReviewGEICO: Best for valueGEICO home insurance is often bundled with GEICO auto insurance. For homeowners working with a mortgage lender, GEICO has a separate department to assist in binding and finalizing the details of your home insurance. Particularly for small homes and condo insurance, GEICO offers cutthroat pricing.Compared to many other discount home insurance companies, GEICO also offers friendly service, easy underwriting approval, and quick claims processing. In the event of a claim, the payout may not be what you'd expect from companies like State Farm, Allstate, or Amica Mutual. Depending on where you live, you may also have to call its toll-free line to get home insurance quotes.GEICO Home Insurance ReviewAllstate: Best for investorsAllstate homeowners insurance is known for the character "Mayhem." Mayhem, played by actor Dean Winters, plays out real claims scenarios Allstate has paid in entertaining commercials. Allstate offers a range of home insurance products including plans for investors to cover the structure and liability associated with having tenants. Renters should supplement with renters coverage, but Allstate plans are highly customizable. Like State Farm, Allstate is only quoted through the company's captive agents, and they do not insure structures with more than four units.Allstate Homeowners Insurance ReviewWhat Home Insurance Won't CoverWhile uncommon, some homes are uninsurable. This would include homes in certain fire zones and lava zones. Beachfront properties (depending on the distance to the ocean) can be insured, but only with higher premiums for lower coverage limits. Not all insurers offer coverage for high-risk areas.The exact rules vary between policies. This is why it's critical to work with an insurance agent you trust and review your policy documents. An all perils home insurance policy will cover damage caused by anything that's not specifically excluded in the policy documents. With decades of claims and underwriting experience, insurers list exclusions from lava and hurricanes to riots, war, nuclear hazards, and government action. So read carefully before assuming specific incidents will be covered under your home insurance.If you choose a named-perils policy, you may get the cheapest home insurance rates available to you. As you might expect, insurers only cover damage associated with perils listed in the policy documents. So the risk of unpaid claims is higher. In short, if your named perils policy covers damage from fires, lightning, and explosions, you would not be covered if a car crashed into your home unless it caused an explosion.Similarly, you decide what property coverage you want up front. Dwelling coverage (the cost to repair or replace your home if destroyed) is a constant, particularly if you have a mortgage. Many other coverages are optional. Homeowners who want the cheapest home insurance rates when shopping for homeowners insurance might skip personal property coverage. Investors renting properties out might also skip personal property coverage while increasing liability coverage. If a covered peril damages your home, though, you would then be responsible to replace furniture, clothing, electronics, and any other personal property.Home Insurance Companies Won't Cover Neglect or Intentional DamageThe exact breakdown of coverage varies between home insurance companies. No matter where you buy, there are two exclusions with no exceptions.Neglect: Neglect is one of the most common reasons for denials of claims. If you have a leaky toilet that goes unchecked, it could slowly leak for months or years. This would lead to floor rot, mold, and other long-term damage. Insurers expect homeowners to maintain the property and prevent damage where possible. This is why many companies will not cover vacant homes. Vacancies mean no one is on location to catch major incidents or small leaks.Intentional damage: A home insurance company may refuse coverage for certain types of vandalism and destruction. This is specific to homeowners and legal residents. As a general rule, policyholders are not meant to profit from insurance plans. Insurance should restore what was lost to its state prior to the claim. When homeowners or residents intentionally damage or destroy the property, insurers view it as an attempt to profit and an extra hazard. This leads to greater scrutiny and can escalate to claims being denied. Particularly if you have renters or boarders, make sure to discuss coverage with your agent.How to Find The Most Affordable Home Insurance for YouMortgage lenders require borrowers to buy a homeowners policy covering the cost to rebuild your home. This estimate is based on the appraisal or your insurance agent's estimated replacement cost matrix. Some homeowners are also required to pay for regional coverage such as flood, hurricane, or earthquake.Unless you specify otherwise, the lender will then collect a small amount each month to pay your premium for you once a year. Keep in mind, all insurance notices will be sent to you automatically. So if prices go up or you want to switch for any reason, you have control over your homeowners insurance.Important note: Your insurance company will still send you notices when payments are due, if payment is missed, etc. DO NOT ignore these as your mortgage company can buy its own (much more expensive) policy if yours lapses.The cheapest home insurance is not always the most affordable. Homeowners insurance quotes give buyers a preview of what they may pay each year. But this doesn't account for the cost of claims or how much you could pay out of pocket if your claims are denied or your insurer drags out the process. When shopping for home insurance, we balance cost with performance and coverage.Homeowners Insurance Companies with the Highest Customer SatisfactionHomeowners insurance companyBBB gradeAmica MutualA+USAANRState FarmAGEICOA+Island InsuranceA+UmialikA+AllstateA+The Better Business Bureau accepts a company's customer complaints and reviews advertising and transparency about business practices. Once a complaint is submitted, companies can respond and resolve the issues.The BBB ranking does not guarantee great rates or that you'll love the company. That's why we also looked at average rates, reviews from sites like TrustPilot, and sample plans to compare coverage options. However, a company with a high BBB rating is more likely to stay above board and address consumer issues.USAA's limited availability makes it impractical for organizations like JD Power or the BBB to rank it alongside companies that sell to a more diverse range of users. However, many of our top home insurance picks maintain the BBB's highest ranking. When combined with strong JD Power, AM Best rankings, reviews from real homeowners, and advice from our expert panel, we feel confident saying our top picks are also trustworthy home insurance companies for the average consumer.Home Insurance Frequently Asked Questions Do most people have homeowners insurance? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Yes, most people have homeowners insurance. If you have a mortgage, your lender will require home insurance. In most cases, your homeowners insurance invoices will be sent to your lender, and it will add costs to your monthly payments. Among homeowners who own their home outright, most still have insurance to protect against the unexpected. Is it worth having an umbrella policy for home insurance? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. An umbrella policy offers a boost in coverage for multiple policies with one premium. If you're bundling your homeowners and auto insurance policies with one company, raising your liability limits on each policy could be costly. Whether you're in an auto accident or your dog bites the mailman, the ensuing claim can be costly, especially if you don't have sufficient liability coverage.  How much does a home insurance policy cost? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. A home insurance policy for a condo could be as little as $200 annually depending on coverage. A homeowners policy for a single-family detached structure on a beachfront could be $5,000 or more annually. With so many factors to consider, a licensed insurance agent is the best resource for customized plans to meet individual needs. How much home insurance coverage do I need? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. At a minimum, homeowners need replacement coverage for the structure. In short, your insurance company runs a cost assessment to estimate the construction cost for replacing your home if it were completely destroyed. More importantly, check your coverage exclusions, add-ons like water backup coverage, and personal property coverage limits. Even if you have limited personal belongings, furnishing a house could quickly reach $100,000 or more. Why You Should Trust Us: Our Expert Panel for The Best Homeowners Insurance We spoke to a variety of experts to inform our picks for this best home insurance guide, and to give readers additional advice for finding the right policy. You can read what they had to say later in this guide, under the Experts' Advice section.The Experts' Advice on Choosing The Best Home Insurance for YouWe worked with a realtor, homeowners insurance agent, and mortgage loan originator to discuss what buyers should consider when buying home insurance. You can find their full commentary below.What do you believe are the most important things to look for when buying home insurance?Lina Roby, Former Insurance Editor with Personal Finance InsiderHomeowners should take into account both coverage and price. Critical riders like water backup coverage cost you as little as a few dollars per renewal period while saving you thousands in the event of a claim. When calculating your monthly mortgage costs, the right homeowners insurance ensures your home also fits your budget.Stephanie Andrews, Realtor with Keller Williams Hawaii Dream HomesHomeowners should have complete coverage without too many stipulations or exceptions.Jeremy Yang, Homeowners Insurance Agent with IFG Insurance LLCDetails of the policy are important. Ex:Replacement Cost vs Actual Cash Value coverage/endorsement like water backup coverage.Chelsie Sorino, Mortgage Loan Originator with CF Home Loans LLCI believe is most important to look for when buying homeowners insurance is making sure that your coverage is truly comprehensive. A named peril policy provides coverage ONLY for the select types of damages listed in the specific policy. On the other hand, a comprehensive peril policy makes getting insurance to cover any incident much easier.How should I set my deductible amount?Lina Roby, Former Insurance Editor with Personal Finance InsiderConsider how much you can afford to spend in the event of a claim? If you cannot afford to spend $1,000 out of pocket to deal with a major flood, for example, a $1,000 deductible may lower your monthly premium, but it's too high.Stephanie Andrews, Realtor with Keller Williams Hawaii Dream HomesYour deductible should match your income and available cash on hand. Having a larger deductible will save you money, but if you can't afford to pay a large deductible when you need the insurance, then the extra savings don't matter.Jeremy Yang, Homeowners Insurance Agent with IFG Insurance LLCYour deductible should be based on claim history & affordability. If you have no claims history and are not likely to file claim, you can raise your deductible. But understand that the deductible will be the out-of-pocket amount if any claim are filed.Chelsie Sorino, Mortgage Loan Originator with CF Home Loans LLCLow deductible plans require higher monthly premiums but lower out of pocket expenses. High deductible plans provide lower monthly premiums but higher expenses in the event of an insurance claim. You should choose a deductible that balances out your monthly and out-of-pocket costs in the event of a claim.What are the most common things buyers miss when buying home insurance?Lina Roby, Former Insurance Editor with Personal Finance InsiderMany homeowners underestimate the importance of riders. All they see is extra costs. The bulk of your monthly premiums is spent on dwelling coverage, personal property, and other key parts of homeowners coverage. The devil is in the details, especially when it comes to homeowners insurance riders.Stephanie Andrews, Realtor with Keller Williams Hawaii Dream HomesNot getting enough coverage for a complete rebuild, not checking for specific coverage like flood or hurricane, and not looking at the conditions of the insurance.Jeremy Yang, Homeowners Insurance Agent with IFG Insurance LLCMost buyers will choose the cheapest insurance, which might leads to homeowners being underinsured. Getting insurance with not enough coverage is like driving a car with a drawing of a seatbelt on your shirt.Chelsie Sorino, Mortgage Loan Originator with CF Home Loans LLCEquipment breakdown coverage is something that I see buyers missing when buying homeowners insurance. This is an easy & affordable rider. Common examples of covered equipment being air conditioning systems, furnaces, heat pumps, heaters, and kitchen & laundry appliances.How We Chose the Best Home Insurance CompaniesSites like J.D Power, user review sites, and other sources play a role in our reviews, as do policy documents. While we cannot look at every policyholder's documents, most home insurance companies have specific coverage limits and benefits applicable to all standard policies. To come up with our list of the best home insurance companies, we also considered common exclusions and the impact on the average homeowner compared to average premiums.We take into account customer experience and the claims experience. While homeowners hope to never experience a partial or full loss of their home, most do. Finally, we factor in financial stability. Regardless of size, insurance companies walk a tight line between premiums coming in and claims payments going out. We look for insurers likely to be around for the foreseeable future. For a full breakdown of our insurance rating guidelines, click here. Lina Roby Insurance Editor, LIA, MLO Lina Roby (she/her) was a Personal Finance Insurance editor at Insider. She covered pet, travel, auto, and other common insurance products. She is also a licensed property & casualty insurance agent. Her goal is to help readers make informed decisions for all their insurance needs and plan for the unexpected, especially in a constantly evolving insurance marketplace.  As a licensed insurance agent, she worked closely with clients and insurance carriers to quote and bind homeowners, auto, liability, and other insurance plans for personal and business. As a licensed mortgage loan originator, she was also able to more effectively quote and bind homeowners insurance policies meeting mortgage lender requirements. With a love for writing, she has also assisted with marketing for her local insurance marketplace.  Read more Read less Evelyn He Compliance and Operations Associate Evelyn He is a Compliance and Operations Associate on the Personal Finance team to ensure content accuracy and editorial independence so readers get up-to-date and objective financial advice.The compliance team's mission is to provide readers with fact-checked and current stories so they can make informed financial decisions. The team also works to minimize risk for partners by ensuring language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team. Read more Read less Top Offers From Our Partners Chime® Checking Account Set up Direct Deposit and get your paycheck up to 2 days before your coworkers.** No overdraft fees. No monthly fees. A tooltip Chime is a financial technology company, not a bank. 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Opinion: Warmth in the Perimeter in the midst of a deluge | Opinion | appenmedia.com Skip to main content You have permission to edit this article. Edit Close Facebook Twitter Site search Search Best of North Atlanta Newsletters Become a Member Local News Alpharetta Cumming Dunwoody Forsyth Johns Creek Milton Roswell Sandy Springs Regional News Business Schools Arts & Entertainment Public Safety Opinion Bob Meyers Valerie Biggerstaff Steve Hudson Lewis Walker Hans Appen Ray Appen Patrick Fox Mike Tasos Master Gardeners Kathy Manos Penn More Podcasts Cadillac Jack: My Second Act The Ben Burnett Show (External) The Georgia Politics Podcast Drafted Caddy Wagon Inside the Box More Calendar Obituaries Submit Wedding Engagement Obituary Letter to the Editor Job Listing Calendar Event New Business Spotlight Legal Notice Sponsored Best of Perimeter Classifieds Circulation Legal Notices About Contact Advertising Story Acknowledgements Write for Appen Menu JOIN THE CLUB JOIN THE CLUB JOIN THE CLUB Newsletters Best of North Atlanta Featured TALK BACK TO THE CRIER Opinion: Warmth in the Perimeter in the midst of a deluge By CLARK GLENN Jun 29, 2023 Jun 29, 2023 TALK BACK The Crier wants to hear from residents. Send your thoughts, notes and announcements to newsroom@appenmedia.com. SUPPORT LOCAL NEWS! I met the nicest people at the new Marriott Perimeter.Here's what happened.On Wednesday, June 14, I had my annual cardiologist checkup at St. Joseph's Hospital. As my car is in the shop, I took UBER to the appointment. When we finished, the weather was so comfortable I decided to walk over to Perimeter Mall which was only about ¾ mile from St. Joseph's.Bad mistake! I walked to Lake Hearn Dr. with intentions of crossing the new bridge leading to the State Farm buildings. About halfway across the bridge, rain started and within seconds it was a deluge that only Noah would have appreciated. I had no arc, no umbrella, no cap, no cover..., and, no choice but to keep walking.I walked into the new Marriott Perimeter Motel behind State Farm's building with not one dry spot on my body, and that's when an Angel came from behind the reception desk, looked at me and said "I'll get you a towel, which she quickly did. Rain still dripping from fingers and off my nose, she offered not only a towel, but also hot coffee or tea while leading me to their dining area.Two cups of hot coffee helped warm me and they refused to let me pay for anything even after I explained that I was not a hotel guest. Hopefully, a generous tip for my waitress helped show how much appreciated the Marriott's ultra warm hospitality.I called for an UBER to go home and after a hot shower told my wife that "I met the nicest people at the new Perimeter Marriott today." Now I'm saying "thank you" to them and telling everyone in Dunwoody.— Clark Glenn, Dunwoody, GATALK BACKThe Crier wants to hear from residents. Send your thoughts, notes and announcements to newsroom@appenmedia.com or use this form.  Your questions, answered All of us here at Appen Media want to know, and try to help answer, the questions you have about our community. Milton says tree clearing along Little River within city ordinance Ask Appen: Smith Plantation, Holly Hill and Milton teens Ask a Question More information Opinion: Dunwoody prostitution stings require more data Talk Back: Mixed reviews on Dunwoody Police reporting practices Opinion: Dunwoody tax hike goes against Republican principles Opinion: Dunwoody City Council has no business taking church acreage Letter: It may be time to slow down on school zone cameras Letter: Newspaper does well informing the public More from this section +3 Remembering Lynne Byrd, guardian of Dunwoody history +2 Opinion: Gen. Jack Singlaub, a military legend with ties to Georgia (Part 2) +3 Opinion: At Moccasin Creek, age has its privileges Site Home Newsletters Memberships Podcasts Advertise Write for Appen About Site Acknowledgements Contact Information appenmedia.com 319 N. Main St. Alpharetta, GA 30009 770-442-3278 hello@appenmedia.com Follow Us Facebook Twitter LinkedIn YouTube RSS × Browser Compatibility Your browser is out of date and potentially vulnerable to security risks.We recommend switching to one of the following browsers: Microsoft Edge Google Chrome Firefox © Copyright 2024 Appen Media 319 N. Main St., Alpharetta, GA  | Terms of Use  | Privacy Policy

6 Top Life Insurance Companies for August 2024: Reviews & Comparison Business Insider logo Personal Finance Business Insider logo Account icon An icon in the shape of a person's head and shoulders. It often indicates a user profile. Account icon An icon in the shape of a person's head and shoulders. It often indicates a user profile. JUMP TO Section Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Best whole life insurance Best No-Exam Life insurance  Best for customer satisfaction Best for older adults Best for long-term care Best for high returns Best for agent support Best for term life Why you should trust us FAQ Best whole life insurance Best No-Exam Life insurance  Best for customer satisfaction Best for older adults Best for long-term care Best for high returns Best for agent support Best for term life Why you should trust us FAQ Get Started Savings CDs Checking Accounts Student Loans Credit Scores Life Insurance Homeowners Insurance Pet Insurance Travel Insurance Identity Theft Protection Credit Monitoring Small Business Banking Featured Reviews Cash Back Debit Cards Raisin Review SoFi Checking and Saving CIT Bank Review Chime Checking Account UFB Direct Bank Discover it Cash Back Credit Card Chase Sapphire Preferred Credit Card SquareMouth Travel Insurance Credit Cards Best Credit Cards Best Cash Back Credit Cards Best Rewards Credit Cards Best Travel Credit Cards Best 0% APR Credit Cards Best Balance Transfer Credit Cards Best First Credit Cards Best Business Credit Cards Insurance Best Car Insurance Best Homeowners Insurance Best Life Insurance Best Pet Insurance Best Renters Insurance Best Travel Insurance Banking Best Savings Accounts Best Checking Accounts Best Money Market Accounts Best CD Rates Best Bank Account Bonuses Best Banks Loans Best personal loans Best debt consolidation loans Best Loans for Bad Credit Best Student Loans Best Student Loan Refinance Mortgages Best mortgage lenders Best mortgage refinance lenders Best FHA Lenders Best HELOC Lenders Investing Taxes Retirement Financial Planning More Get Started Featured Reviews Credit Cards Insurance Banking Loans Mortgages Investing Taxes Retirement Financial Planning Back to Top A white circle with a black border surrounding a chevron pointing up. 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Best mortgage lenders Best mortgage refinance lenders Best FHA Lenders Best HELOC Lenders Investing Taxes Retirement Financial Planning Log out Account icon An icon in the shape of a person's head and shoulders. It often indicates a user profile. Login Personal Finance Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Insurance Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Life Insurance Best Life Insurance Companies of August 2024 Written by Lina Roby; edited by Paul Kim; reviewed by Evelyn He 2024-07-31T19:01:45Z Share icon An curved arrow pointing right. Share Facebook Icon The letter F. Facebook Email icon An envelope. It indicates the ability to send an email. Email Twitter icon A stylized bird with an open mouth, tweeting. Twitter LinkedIn icon LinkedIn Link icon An image of a chain link. It symobilizes a website link url. Copy Link lighning bolt icon An icon in the shape of a lightning bolt. Impact Link Save Article Icon A bookmark Save Read in app JUMP TO Section Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Best whole life insurance Best No-Exam Life insurance  Best for customer satisfaction Best for older adults Best for long-term care Best for high returns Best for agent support Best for term life Why you should trust us FAQ Best whole life insurance Best No-Exam Life insurance  Best for customer satisfaction Best for older adults Best for long-term care Best for high returns Best for agent support Best for term life Why you should trust us FAQ Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews. Life insurance is as complicated as the policyholders and beneficiaries who use it. That means there's no single "best" life insurance company. Instead, you can find the best option based on what you want or what you prioritize.Business Insider's editorial team has independently reviewed over 30 companies to find the top life insurance companies based on insurance premiums, policy terms, overall benefits, and customer satisfaction. Best Life Insurance of 2024 SummaryBest for whole life insurance: Northwestern Mutual Life InsuranceBest no-exam life insurance: Guardian Life InsuranceBest for universal life insurance: State Farm Life InsuranceBest for older adults: Prudential Life InsuranceBest for long-term care: Columbus LifeBest for affordability: New York Life InsuranceBest for high returns: Allianz Life InsuranceBest for term life: North American CompanyGet Life Insurance QuotesCompare affordable life insurance options with Policygenius. Top Life Insurance Companies of 2024While there is no such thing as the objective best life insurance policy, you will be able to find the best insurance policy for your specific needs. Here are our picks for the best life insurance companies, whether you want to use your life insurance policy to build wealth through cash value or you're just looking for a term life insurance policy.Best Whole Life Insurance Northwestern Mutual Life InsuranceNorthwestern Mutual Life Insurance offers a range of products, including term life, whole life, and universal life. It has a 790/1,000 J.D. Power customer satisfaction rating and an A++ AM Best financial strength rating. Northwestern particularly stands out for the dividends it pays out to whole life insurance policy holders. The company is expected to pay $7.3 billion in 2024.Read our Northwestern Mutual life insurance review.Best No-Exam Life Insurance Guardian Life Insurance Guardian life insurance has a 743/1,000 J.D. Power customer satisfaction rating and an A++ financial strength rating. It offers term, whole, and universal life insurance. Guardian stands out for its no-exam life insurance, offering up to $3 million in coverage, which is high for the industry. You can also convert Guardian's term life insurance to a whole life insurance plan.Read our Guardian life insurance review. Best Universal Life InsuranceState Farm Life InsuranceState Farm Life Insurance gets the best life insurance ranking in J.D Power's Individual Life Insurance Study, with a score of 843/1,000. The company is also ranked A++ with AM Best for its financial stability with term, universal, and whole life insurance options. All State Farm policies have to be purchased through a State Farm agent. Your agent can help you bundle and save or buy one policy. State Farm is also among the companies offering "survivorship universal life insurance," which means the policy covers two people, and it kicks in after the second person dies. Couples looking to maximize their death benefit for beneficiaries with one premium payment each month may enjoy lower overall costs.State Farm agents can run quotes and compare options to find the right plans for each applicant. The range of options, discounts, and familiar name all contribute to the popularity of State Farm's life insurance.Read our State Farm life insurance review.Best Life Insurance for Older AdultsPrudential Life InsurancePrudential Life Insurance is available in all states except New York. New York residents can buy the Pruco Life of New Jersey VUL Protector plan. This plan allows buyers to pull money out of their plan to pay for nursing home expenses. Cash value policy premiums are fixed, so you won't have to worry about extra costs later on. Internal costs are low, which minimizes risk. Due to age, many older adults want a safe investment option for their money. Prudential VUL Protector invests to avoid loss. That also means you're not as likely to see big increases in your available funds outside of what you deposit.Read our Prudential life insurance review.Best Life Insurance for Long-Term CareColumbus LifeColumbus Life offers a wide range of riders to customize your policy with affordable premiums. The company also allows you to convert term policies to whole life insurance policies until the end of your term (generally around age 70). For this and many other reasons, customer satisfaction is high.When using living health benefits (otherwise known as accelerated death benefits), buyers are allowed to pull money from policies early to pay for medical bills, living costs, etc. under certain circumstances. Most companies use a discounted death benefit, which reduces your final payout using two models. Columbus uses the lien method, which makes it easier to calculate the financial impact of pulling money out early.Best Life Insurance for High Returns on IncomeAllianz Life InsuranceAllianz Life Insurance plans are geared towards high-income adults looking for more tax-free income. Allianz offers a 40% multiplier bonus with a 1% annual assets charge. In short, the professionals managing your investments take 10%. Overall, your investments would pull in an extra 14%-1% asset charge. This means you end up with 3% more than what you deposit every year your life policy is active. This plan offers strong returns when using a life policy to supplement your retirement savings. Allianz also offers specialized plans to grow your income by as much as 20% according to some estimates.Of note: Allianz also offers plans for foreign nationals, including those with H-1B visas.Read our Allianz life insurance review. Best Life Insurance for AffordabilityNew York Life InsuranceNew York Life Insurance agents go through extensive training before they ever hit the sales floor. What does this get you? Policies vary widely, and New York Life offers both large and small payouts. Some policies have significant penalties for early withdrawal, but taking a loan offers more options. Whatever your questions, New York Life agents are trained to offer comprehensive support giving you accurate information about its policies every time. The company comes in at position eight in J.D. Power's latest life insurance customer satisfaction study.Read our New York life insurance review.Best Life Insurance for Term LifeNorth American CompanyNorth American Company offers term policies alongside accelerated death benefits for critical, chronic, and terminal illnesses and more. The company allows one conversion on a 20-year policy at 15 years or 70 years old (whichever is earlier). The conversion cannot happen later than the five-year marker regardless of which policy you choose or the length. North American Company also offers a term policy with a lower premium renewable up to the age of 95 for qualifying insureds.Types of Life InsuranceWhile there's many different types of life insurance policies, broadly speaking, there are two types of life insurance: temporary and permanent. Let's go over each in detail.Temporary life insuranceTemporary life insurance is often called term life insurance. This type of policy covers you for a set amount of time before expiring, usually between 10-30 years. If you pass away after your policy expires, your family won't receive any benefits. Additionally, your policy won't accrue cash value like a permanent policy. That said, some term life insurance policies offer a conversion from term to whole life insurance, so you can extend your coverage. Because its benefits aren't guaranteed, term life policies are generally cheaper than permanent life insurance. That said, the vast majority of term life insurance policies never pay out. onPermanent life insurancePermanent life insurance is an umbrella term for a variety of life insurance policies that will insure you indefinitely and guarantee a payout as long as you maintain your policy. Policy types that fall under permanent life insurance includes:Whole life insuranceUniversal life insuranceVariable life insuranceVariable universal life insuranceSimplified life insuranceGuaranteed issue life insuranceThese policies vary widely in purpose and intended buyers, but all guarantee death benefits to your loved ones. Some permanent life insurance policies, like whole, universal, and variable have a cash value component, which you can use as a savings tool or to leave your heirs a larger death benefit.How to Pick the Best Life Insurance Policy for YouFinding the right fit in life insurance starts with finding a trusted insurance agent. Because there are so many state regulations, shopping for homeowners or auto insurance can be easily done online. Life insurance is not required. So it's a voluntary purchase. Many buyers don't know what they need or when they need it. Before making your selection, consider a few things:AgeSome companies will sell you a policy for your child as soon as they're born. While this may seem morbid, early sign-up means lower rates for a policy your child could enjoy in the future. Regardless, early sign-up equates to more policy for lower premiums and a higher likelihood of acceptance. At 20, you may be healthier and be able to pay into the policy for a longer period compared to when you're 50 with more age-related conditions.PriceAs a general rule, never agree to more than you can afford. For the average life insurance agent, their job is to sell you a large policy with a large commission. Consider not only how much you make now, but how likely your current income is to continue. If you work on a project basis and your project is scheduled to end in 12 months, you may want to reconsider a policy premium outside your monthly savings.LimitsHow much are you prepared to buy? Some people only want a small policy to cover funerals and other end-of-life expenses. Others build a life policy into their retirement plan. Whatever direction you're going, involving a financial planner could help you make the right decisions. Depending on the carrier, customers can also compare set limits with index universal life policies, which set no limit. These policies never expire, and the value builds over the entirety of your life.Living BenefitsLife happens unexpectedly. You could be healthy one day and in the hospital the next. Many life policies offer living benefits. These allow you to draw a limited amount out of your policy to cover medical and other bills you cannot pay while sick.PenaltiesMuch like a 401(k), many life insurance policies have penalties for early withdrawal. No matter what policy you want, this question is critical to an informed decision. It's a question of how early you can withdraw and how much you'll lose from the total to have the money in 10 years instead of 30 or after death.ExclusionsSome policies require insured parties to pay premiums for at least one year before any significant payout would be available. Suicide exclusions are common. Even with no medical exam policies, the company may still do a check for known conditions. An insurance company has to mitigate its risk.FlexibilityOnce you've been denied a life insurance policy, a mark goes on your record. No matter the reasons, other insurance companies may deny you coverage based on the first denial. So consider your whole situation and choose your policy carefully before you submit any applications. Some policies have greater flexibility if you lose your job or otherwise can't make payments. Others will lapse if you miss even one payment.Payment TypeEven within whole life or term life insurance policies, customers have the option to choose guaranteed fixed or variable rates. Some have guaranteed payouts, but you'll need to ask your agent for details.PlanWhat is your intended use? Why are you shopping for a life insurance policy in the first place, and what are your goals? Many successful financial planners also have a background in life insurance. So while they may not be able to find you a specific life insurance policy, financial planners can help you set out a blueprint for your purchase.Why You Should Trust Us: How We Reviewed the Best Life Insurance CompaniesIn life insurance, it's easy to get "sold a bill of goods." Many life insurance agents pass a state test to be thrown into the deep end. Agents sell the company product, but not all know the products. In this vein, we look at the products each company offers. We also look at agent training.A good life insurance agent may not volunteer all facts upfront. But a company's agents should answer questions about its products accurately and in a way the average consumer can digest. Agents should be able to inform you about the long-term benefits and limitations. This will help customers find the right policy for their long-term plan.We consider affordability, policy sizes available, and performance for a comprehensive assessment in our life insurance rating methodology. If you can, we recommend also working with a financial advisor to make a plan for your future with life insurance.Our Expert Panel for The Best Life Insurance CompaniesTo inform our choices for the best life insurance companies, we spoke with the following experts:Paul LaPiana, head of product at MassMutualBarbara Pietrangelo, CFP, CLU, and chair of the nonprofit Life HappensWykeeta Peel, Corporate Vice President and Market Manager, African American Market Unit at New York LifeThe Experts' Advice on Choosing The Best Life Insurance for YouHow much life insurance coverage do you believe the average buyer should have?Paul LaPiana, Head of Product at MassMutual"There are different approaches to determining how much life insurance you need. One is the 'human life' approach, which estimates the current value of your future earning potential. Another is securing specific coverage to pay off debts such as a mortgage or provide for the education of children. A comprehensive protection plan should provide the right amount of coverage over the course of your working life and into retirement."Barbara A. Pietrangelo, Chair of Life Happens"There is no one-size-fits-all life insurance policy because everyone is different. One way to get a rough estimate is to multiply your income by 10 to 15; another is adding $100,00 to that amount, should you have a child and anticipate college education expenses.Your best bet is to talk to a financial professional or use the Life Insurance Needs Calculator on LifeHappens.org to analyze what's right for you."Wykeeta Peel, Corporate Vice President & Market Manager African American Market Unit at New York Life"As you consider what policy best meets your needs, it can help to answer four key questions: First, how much death benefit do you need? Second, how long will you need that coverage? Third, what is your budget (or how much monthly premium can you afford to pay?), and finally, what is your investment risk tolerance?To determine how much death benefit makes sense, it's helpful to think beyond using life insurance to cover funeral expenses and consider whether anyone is relying on the policy owner's income to maintain a lifestyle, pay rent or a mortgage, or fund a child's education and for how long.There are various rules of thumb regarding the right amount of Life insurance coverage. Some tips can be found online, but they only provide an estimate and don't necessarily factor in an individual's specific needs. In my opinion, human guidance, powered by technology, is required. Basically, it comes down to how much money your loved ones would need to remain on firm financial ground if your earnings were no longer in the picture and that is different for everyone."What is the biggest opportunity you see for improvement in the life insurance industry?Paul LaPiana, Head of Product at MassMutual"Increased accessibility through digital and other channels as well as through underwriting enhancements. Increased tailoring of products and features. And an increased emphasis on health and wellness programs."Barbara A. Pietrangelo, Chair of Life Happens"Having enough qualified insurance professionals to walk potential buyers through the multiple benefits of life insurance will be pivotal to the growth of the industry. Education is a key factor here, as professional agents also need to be able to explain life insurance and its benefits in an easy, digestible way, especially when there are so many misconceptions about life insurance."Wykeeta Peel, Corporate Vice President & Market Manager African American Market Unit at New York Life"The need for life insurance is greater than ever. In fact, a recent New York Life Wealth Watch survey found that 37% of adults have been thinking about life insurance more often these days – and half of adults report that financial products that provide protection (50%) and reliability (50%) are more important now compared to last year. This may be especially true for middle-market and Cultural Market families.Our organizational structure of having Cultural Market agents embedded in the communities where we live and work allows us to understand the needs of diverse communities and develop solutions that resonate with them."What advice would you give to buyers who are debating whether or not to buy life insurance?Paul LaPiana, Head of Product at MassMutual"It is difficult to say with any certainty how healthy you will be years from now. That's why securing life insurance, and insuring your insurability, today, when you are the youngest you'll ever be again, and perhaps your healthiest is a wise decision."Barbara A. Pietrangelo, Chair of Life Happens"Do you love someone? If the answer is yes, then life insurance is certainly something you should consider. Many buy gifts and experiences to express their love, but haven't considered that life insurance is just another way to say I love you. Nothing says support like ensuring your family's financial security and peace of mind."Wykeeta Peel, Corporate Vice President & Market Manager African American Market Unit at New York Life"If you have someone depending on your income, you should consider purchasing life insurance. A death benefit from a life insurance policy can replace income from the loss of a breadwinner, ensure a family can stay in their home, fund educational or retirement expenses, address debt and so much more.A life insurance policy can also help you grow your family's wealth over time. Once the risk of an unexpected loss has been managed, you can begin to think more broadly about your family's financial future. Life insurance can enable your mindset to shift from death to growth."What's the most important thing buyers should look for when choosing a life insurance agent/company to buy from?Paul LaPiana, Head of Product at MassMutual"With life insurance, you are securing a future commitment that may be decades away. Research the company behind the policy to ensure it has high financial strength ratings, longevity, and an excellent track record of paying claims."Barbara A. Pietrangelo, Chair of Life Happens"When looking for an insurance agent or company, be sure to do your research. When comparing companies, be sure to remember that the policy features that fit you and your loved ones best is the most important factor. Don't automatically assume you should buy from the higher-rated company.If the policy from the other company has more of what you're looking for, it might be the better choice. If you're unsure where to start, try the Life Happens Agent Locator to find an insurance professional in your area."Wykeeta Peel, Corporate Vice President & Market Manager African American Market Unit at New York Life"The insurers' track record: At its core, life insurance is protection - a hedge against the unexpected - and you are paying premiums in exchange for the promise that the insurer will be there when you need them, so the financial strength and track record of the company backing your policy is critical.Customer service: Are service professionals available by phone and digital channels? Is there is an online dashboard where you can manage your policy? Beyond ensuring assistance is available after you purchase a policy, it's also critical to ensure you have access to trusted advice and guidance before you buy.Flexibility in conversion: How easy is it to change? Life can be unpredictable and while term insurance can cover your loved ones through a critical period of time, you may decide that access to cash value is an important piece of your strategy. Accelerated online applications: Online applications are convenient but don't replace human guidance. Keep in mind that accelerated online applications may have a maximum coverage amount, meaning that you may not be able to get all the coverage you may need exclusively through an online process.A range of payment options: It's important to understand how often you're required to make premium payments and whether and how often you can change the frequency of payments."Best Life Insurance FAQs What happens if my life insurance is paid up? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. A whole life insurance policy has a schedule of payments to earn the total death benefit. Past a certain waiting period, you'll get the full payout if something happens. However, you can also pay it off entirely if you live longer or make larger payments early. In either of these situations, you are no longer required to make further payments to keep the policy active. Which life insurance company is best? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. There isn't one best life insurance company, because the best option for you will depend on the type of policy you're looking for. It's best to work with a qualified insurance agent to help you find the best coverage. If you're deciding between multiple similar options, it's also worth consulting J.D. Power's life insurance customer satisfaction study. The latest study ranks State Farm as the top pick for individual life insurance, outpacing Nationwide by three points. How do I find the best life insurance policy for me? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Each situation is different and requires a knowledgeable life insurance agent to assess your best options. Bring all your questions and the coverage you're looking for to an insurance agent near you to explore your options. Are medical exams required for life insurance? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. No, medical exams aren't necessarily required for life insurance. Some life insurance policies are advertised as "no medical exam." This doesn't mean the insurer won't ask you about known conditions or look at medical records. You can find our guide on the best no exam life insurance here. What is the most-used life insurance? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. The most popular type of life insurance is term life insurance. Term policies are only good for a specified term that you select when opening the policy — the fact that they don't last forever also makes these policies the most affordable. That said, a very slim minority of term life insurance ever pays out.  Lina Roby Insurance Editor, LIA, MLO Lina Roby (she/her) was a Personal Finance Insurance editor at Insider. She covered pet, travel, auto, and other common insurance products. She is also a licensed property & casualty insurance agent. Her goal is to help readers make informed decisions for all their insurance needs and plan for the unexpected, especially in a constantly evolving insurance marketplace.  As a licensed insurance agent, she worked closely with clients and insurance carriers to quote and bind homeowners, auto, liability, and other insurance plans for personal and business. As a licensed mortgage loan originator, she was also able to more effectively quote and bind homeowners insurance policies meeting mortgage lender requirements. With a love for writing, she has also assisted with marketing for her local insurance marketplace.  Read more Read less Evelyn He Compliance and Operations Associate Evelyn He is a Compliance and Operations Associate on the Personal Finance team to ensure content accuracy and editorial independence so readers get up-to-date and objective financial advice.The compliance team's mission is to provide readers with fact-checked and current stories so they can make informed financial decisions. The team also works to minimize risk for partners by ensuring language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team. Read more Read less Top Offers From Our Partners Chime® Checking Account Set up Direct Deposit and get your paycheck up to 2 days before your coworkers.** No overdraft fees. No monthly fees. A tooltip Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. **Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Start Banking Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. Read preview Thanks for signing up! Go to newsletter preferences Thanks for signing up! 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Best mortgage lenders Best mortgage refinance lenders Best FHA Lenders Best HELOC Lenders Investing Taxes Retirement Financial Planning Log out Account icon An icon in the shape of a person's head and shoulders. It often indicates a user profile. Login Personal Finance Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Insurance Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Auto Insurance Best Affordable Car Insurance Companies of 2024 Written by Lina Roby; reviewed by Evelyn He 2024-06-21T14:05:07Z Share icon An curved arrow pointing right. Share Facebook Icon The letter F. Facebook Email icon An envelope. It indicates the ability to send an email. Email Twitter icon A stylized bird with an open mouth, tweeting. Twitter LinkedIn icon LinkedIn Link icon An image of a chain link. It symobilizes a website link url. Copy Link lighning bolt icon An icon in the shape of a lightning bolt. Impact Link Save Article Icon A bookmark Save Read in app JUMP TO Section Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. FAQs Best Cheap Car Insurance Reviews Why You Should Trust Us FAQs Best Cheap Car Insurance Reviews Why You Should Trust Us Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews. The minute an accident occurs, it's clear why auto insurance is so important.Car insurance can be costly, especially if you have tickets, accidents, a teenager, or other risk factors hiking your rates. But it's possible to meet state requirements, protect yourself and your property, and avoid paying more than you must with affordable policies.Best Cheap Car Insurance of 2024State Farm Auto Insurance: Best OverallUSAA Auto Insurance: Best for Military MembersGEICO Auto Insurance: Best for Cheap CoverageThe Hartford Auto Insurance: Best for SeniorsCalifornia Casualty Auto Insurance: Best for HeroesProgressive Auto Insurance: Best for High-Risk DriversCheap Car Insurance Frequently Asked Questions What if auto insurance companies won't insure me? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Occasionally, car insurance companies will not approve a policy, often due to a poor driving record. With responsible driving, drivers can work back to traditional auto insurance, but the worst thing you could do is let your coverage lapse. While some companies cater to high-risk drivers, states also have high-risk insurance pools. Each state-approved insurer is required to take on a certain number of drivers from this pool each year. The companies also have to offer state-approved rates. To qualify, you would have to be denied coverage by a set number of companies depending on your state. Who normally has the cheapest auto insurance? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Most auto insurance companies are regional meaning the cheapest option may be a local auto insurance provider (varying in each state). However, among auto insurance providers licensed in all 50 states, GEICO consistently offers the lowest rates for most drivers. Who has to pay the most for car insurance? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Male drivers generally have to pay more for car insurance. When it comes to other demographics, younger drivers under 25 tend to pay the highest premiums because they're considered a higher risk. Other groups that often pay the most for car insurance are those with multiple accidents or DUIs on their record or those with poor credit. Who is cheaper, GEICO or Progressive? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. GEICO could be the cheaper option overall, but Progressive is generally a cheaper auto insurance option if you have a DUI or multiple traffic infractions. Top Cheap Car Insurance CompaniesStates have different guidelines on how much auto insurance you need. New Hampshire and Virginia technically don't require auto insurance. But the financial responsibility aspect remains the same for every state: All 50 states require drivers to prove they can cover a set amount in damages if they injure another person or their property. Compare policy types from some of the best car insurance companies.State Farm Auto InsuranceThe 2023 J.D. Power auto insurance satisfaction study breaks rankings down to different sections of the U.S., which vary widely. While the highest-ranked choice in each region varies, State Farm was the most consistent competitor in all areas. This doesn't come as a surprise. State Farm offers a reliable and familiar name to do business with. It has agents on the ground dedicated to quoting and binding policies with custom discounts for each customer.While State Farm agents provide you with the most competitive quote on company-specific products, agents can only provide you with quotes on State Farm insurance policies. They are considered "captive agents" meaning they cannot assist you in comparing rates elsewhere or if you don't qualify with State Farm. The good news is State Farm covers most drivers and families. This insurer also offers competitive rates for young drivers.State Farm Auto Insurance ReviewUSAA Auto InsuranceAccording to its website, USAA Auto Insurance has one stated mission: "to facilitate the financial security of its members, associates and their families", specifically military families. If you are a military member, you can buy a full range of financial products with USAA at discounted rates.If you are a military spouse or other dependent, your military member needs to have a USAA account first. If the military member passes, children coming into adulthood can be USAA-eligible as long as the military member signed up while living. Keep in mind, not all USAA products are limited to military families. You can check its website to verify which ones.USAA Car Insurance ReviewGEICO Auto InsuranceWith its infamous GEICO Auto Insurance gecko, most people in the United States have at least heard the name GEICO. GEICO has insurance agents, but agents do not actively seek out customers. Instead, potential customers run quotes through its online system and sign up, manage plans, and more with assistance as needed from customer service agents.GEICO Car Insurance ReviewThe Hartford Auto InsuranceKnown for its senior-friendly financial products and services, AARP also offers auto insurance as The Hartford Auto Insurance. You'll need to be signed up with AARP to get an auto insurance quote. But seniors can save on an auto insurance policy and get discounts on home, renter, recreational, and more.AARP Car Insurance ReviewCalifornia Casualty Auto InsuranceThe celebration of heroes has never been higher, but not all insurance companies are equipped to offer coverage or competitive rates to teachers, firefighters, nurses, and peace officers. Despite the name, California Casualty offers coverage in most states for the listed professionals at discounted rates.California Casualty is not currently offering coverage in Alaska, Hawai'i, Massachusetts, Michigan, New York, or Wisconsin. In the states it does cover, California Casualty offers discounted rates on homeowners and auto insurance with additional coverages like reduced deductibles for nurses when the damage occurs within 500 feet of their workplace.California Casualty Car Insurance ReviewProgressive Auto InsuranceHaving a DUI, multiple traffic infractions, or poor credit in some states makes drivers difficult to insure. Some companies may choose not to renew coverage or accept policies. Whatever your circumstances, Progressive offers consistently competitive rates for drivers with complicated driving records.Progressive Auto Insurance ReviewWhy You Should Trust Us: How We Chose The Best Cheap Car InsuranceThere is no one-size-fits-all solution for car insurance. Different companies assess the same risk and assign wildly varying premiums. We use resources, including industry powerhouses like JD Power and customer reviews (both positive and negative).The popularity of the company and the price are two obvious factors. We also look at the coverage available, the likelihood of getting a policy, ease of maintenance once a policy is bound, and how quickly claims are paid. Many of the big names in auto insurance refuse to renew or accept policies with certain high-risk drivers. By combining all these factors and more, we narrow the list of companies to help readers find the right insurance coverage.Read our full insurance rating methodology for more details on how we evaluate insurance companies.Business Insider takes pride in helping readers find personal finance solutions that suit them. Our reviews and rankings in our insurance guides are not for sale. Lina Roby Insurance Editor, LIA, MLO Lina Roby (she/her) was a Personal Finance Insurance editor at Insider. She covered pet, travel, auto, and other common insurance products. She is also a licensed property & casualty insurance agent. Her goal is to help readers make informed decisions for all their insurance needs and plan for the unexpected, especially in a constantly evolving insurance marketplace.  As a licensed insurance agent, she worked closely with clients and insurance carriers to quote and bind homeowners, auto, liability, and other insurance plans for personal and business. As a licensed mortgage loan originator, she was also able to more effectively quote and bind homeowners insurance policies meeting mortgage lender requirements. With a love for writing, she has also assisted with marketing for her local insurance marketplace.  Read more Read less Evelyn He Compliance and Operations Associate Evelyn He is a Compliance and Operations Associate on the Personal Finance team to ensure content accuracy and editorial independence so readers get up-to-date and objective financial advice.The compliance team's mission is to provide readers with fact-checked and current stories so they can make informed financial decisions. The team also works to minimize risk for partners by ensuring language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team. Read more Read less Top Offers From Our Partners Chime® Checking Account Set up Direct Deposit and get your paycheck up to 2 days before your coworkers.** No overdraft fees. No monthly fees. A tooltip Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. **Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Start Banking Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. Read preview Thanks for signing up! Go to newsletter preferences Thanks for signing up! Access your favorite topics in a personalized feed while you're on the go. download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy. You can opt-out at any time by visiting our Preferences page or by clicking "unsubscribe" at the bottom of the email. Top Offers From Our Partners Chime® Checking Account Set up Direct Deposit and get your paycheck up to 2 days before your coworkers.** No overdraft fees. No monthly fees. A tooltip Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. **Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Start Banking Follow us on: * Copyright © 2024 Insider Inc. All rights reserved. Registration on or use of this site constitutes acceptance of our Terms of Service and Privacy Policy. 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5 things to do in Westmoreland County this weekend: June 30-July 2 News Today's news US Politics World Tech Reviews and deals Audio Computing Gaming Health Home Phones Science TVs Climate change Health Science 2024 election Originals The 360 Newsletters Life Health COVID-19 Fall allergies Health news Mental health Relax Sexual health Studies The Unwind Parenting Family health So mini ways Style and beauty It Figures Unapologetically Horoscopes Shopping Buying guides Food Travel Autos Gift ideas Buying guides Entertainment Celebrity TV Movies Music How to Watch Interviews Videos Shopping Finance My portfolio My watchlist News Stock market Economics Earnings Crypto Politics Biden economy Personal finance Markets Stocks: most active Stocks: gainers Stocks: losers Trending tickers Futures World indices US Treasury bonds Currencies Crypto Top ETFs Top mutual funds Highest open interest Highest implied volatility Currency converter Sectors Basic materials Communication services Consumer cyclical Consumer defensive Energy Financial services Healthcare Industrials Real estate Technology Utilities Screeners Watchlists Equities ETFs Futures Index Mutual funds Analyst rating screener Technical events screener Smart money screener Top holdings screener Personal finance Credit cards Balance transfer cards Cash back cards Rewards cards Travel cards Banking CD rates Online checking High-yield savings Money market Mortgage Home equity loan HELOC Personal loans Student loans Insurance Taxes Videos ETF report FA corner Options pit Crypto Industries Sports Fantasy News Fantasy football Best Ball Pro Pick 'Em College Pick 'Em Fantasy baseball Fantasy hockey Fantasy basketball Download the app Daily fantasy NFL News Scores and schedules Standings Stats Teams Players Drafts Injuries Odds Super Bowl GameChannel Videos MLB News Scores and schedules Standings Stats Teams Players Odds Videos World Baseball Classic NBA News Draft Scores and schedules Standings Stats Teams Players Injuries Videos Odds Playoffs NHL News Scores and schedules Standings Stats Teams Players Odds Playoffs Soccer News Scores and schedules Premier League MLS NWSL Liga MX CONCACAF League Champions League La Liga Serie A Bundesliga Ligue 1 World Cup College football News Scores and schedules Standings Rankings Stats Teams Show all MMA WNBA Sportsbook NCAAF Tennis Golf NASCAR NCAAB NCAAW Boxing USFL Cycling Motorsports Olympics Horse racing GameChannel Rivals Newsletters Podcasts Videos RSS Jobs Help World Cup More news New on Yahoo Games Tech Terms Privacy Privacy Dashboard Feedback © 2024 All rights reserved. About our ads Advertising Careers Yahoo Entertainment Search query Select edition USEnglish US y LATAMEspañol AustraliaEnglish CanadaEnglish CanadaFrançais DeutschlandDeutsch FranceFrançais 香港繁中 MalaysiaEnglish New ZealandEnglish SingaporeEnglish 台灣繁中 UKEnglish News Finance Sports More News Today's news US Politics World Weather Climate change Health Science 2024 election Originals Newsletters Life Health Parenting Style and beauty Horoscopes Shopping Food Travel Autos Gift ideas Buying guides Entertainment Celebrity TV Movies Music How to watch Interviews Videos Shopping Finance My portfolio Watchlists Markets News Videos Screeners Personal finance Crypto Industries Sports Fantasy NFL NBA MLB NHL College football College basketball Soccer MMA Yahoo Sports AM New on Yahoo Games Tech Selected edition USEnglish Mail Sign in AdvertisementClose this contentRead full articleTribune-Review, Greensburg, Pa.5 things to do in Westmoreland County this weekend: June 30-July 2Shirley McMarlin, Tribune-Review, Greensburg, Pa.June 30, 2023 at 2:05 AM·3 min readLink CopiedJun. 29—Big bangThe pre-Fourth of July weekend starts with a bang at Cannons and Cocktails, from 5:30 to 7:30 Friday at Fort Ligonier, routes 30 and 711 in Ligonier.The casual outdoor event will feature artillery firings, music by fiddler Andy Bronkaj, appetizers by Carol and Dave's Roadhouse and spirits, including an 18th-century-recipe cocktail made with a Wigle Whiskey rum made exclusively for Fort Ligonier.Cannons and Cocktails will be held rain or shine. Fee is $35, or $25 for Fort Ligonier Association members. To register, call 724-238-9701 or visit fortligonier.org.The fort is open daily from 10 a.m. to 5 p.m. daily, including July 4.Rockin' the parkThe Willie Nile Band brings its gritty rock 'n roll to SummerSounds, with a show at 7 p.m. Friday in St. Clair Park in downtown Greensburg.Starting in the late 1970s in Greenwich Village clubs such as the famed CBGB's, Nile built a reputation for high-voltage performances of streetwise rock songs, building a blue-collar fan base a la Bruce Springsteen and Joe Grushecky.Nile, 75, has performed with The Who, Ringo Starr, Elvis Costello, Ian Hunter, Tori Amos, Lucinda Williams, Barenaked Ladies and The Boss and his E Street Band.Tom Maroon will play pre-show music starting at 6:15 p.m. Food will be available.Donations are taken to support the annual weekly free concerts running Fridays through Aug. 25. For information, visit summersounds.com.Marital mayhemSaint Vincent Summer Theatre presents another of its signature madcap farces this weekend.The curtain rises for Ken Ludwig's "Moon Over Buffalo" at 7:30 p.m. Friday and Saturday and 2 p.m. Saturday and Sunday in the Performing Arts Center of the Robert S. Carey Student Center on the Unity campus.The action centers on George and Charlotte Hay, fading stars of the 1950s. On the brink of a split due to George's infidelity, they might just have one last shot at stardom by impressing the famous film director Frank Capra.Performances are followed by the Cabaret on the student center patio, weather permitting. For $5, patrons can enjoy hot dogs, popcorn and beverage options.Tickets are available at the box office before performances, by calling 724-537-8900 or online at stvincent.edu.Music and movieMusic and a movie are on tap this weekend at The Lamp Theatre, 222 Main St., Irwin.—Nightrain: The Guns 'N Roses Experience, 8 p.m. Friday. The tribute act strives to replicate the vintage GNR concert vibe, playing venues such as The House Of Blues, Club LaVela, stadiums and festivals, sharing bills with acts including Alice In Chains, Soundgarden and Buckcherry. A ticket is $25.—Free movie night, 6 and 8:30 p.m. Saturday. "The Goonies," Steven Spielberg's PG-rated 1985 adventure comedy, will be screened as part of the theater's free summer programming.Movie tickets are available in Irwin at the theater box office, John Gdula State Farm Insurance Agency, Feathers Artist Market, Norwin Chamber of Commerce, McFeely's Gourmet Chocolate, Junque Genius, Palarino's Gift Basket World or Interiors by Woleslagle.For information, call 724-367-4000 or visit lamptheatre.org.Sweet ridesBring your sweet ride to Bushy Run Battlefield for the 11th annual classic car cruise, set for noon to 4 p.m. Sunday at the historical site on Route 993 in Penn Township.Attendees can vote for their favorite vehicles to be awarded trophies.Event also will feature music and entertainment, food and beverages, silent auction, 50/50 raffle and a variety of Bushy Run Market vendors.The museum will offer free admission and a book sale will be held in its Stone Room.For information, visit bushyrunbattlefield.com.Shirley McMarlin is a Tribune-Review staff writer. 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DuPage County Downturn: Inside Declining Suburban OfficessearchMarketsAll MarketsChicagoLos AngelesNationalNew YorkSan FranciscoSouth FloridaTexasNewsResidentialDevelopmentCommercialPoliticsTechMagazineData Book 2024Current IssueIssue ArchivesThe ClosingEventsNew York ForumGolf ClassicLA ForumSouth Florida ForumSalon SeriesIndustry EventsPodcast + VideoVideoTRD Brand StudioThe BlueprintCoffee TalkDaily Dirt LiveTRD ExplainsPaydirtReal Estate Master ClassesPodcastDeconstructDataPartnersBrand StudioSponsoredAdvertiseEvents ExhibitorsAppliancesOtherAbout UsContact UsNewslettersPrivacy PolicySubscribeCorporate SubscriptionsAdvertiseHelp CenterCareersShopMarketsAll MarketsChicagoLos AngelesNationalNew YorkSan FranciscoSouth FloridaTexasNewsResidentialDevelopmentCommercialPoliticsTechMagazineData Book 2024Current IssueIssue ArchivesThe ClosingEventsNew York ForumGolf ClassicLA ForumSouth Florida ForumSalon SeriesIndustry EventsPodcast + VideoVideoTRD Brand StudioThe BlueprintCoffee TalkDaily Dirt LiveTRD ExplainsPaydirtReal Estate Master ClassesPodcastDeconstructDataPartnersBrand StudioSponsoredAdvertiseEvent ExhibitorsAppliancesSign inSubscribeSubscribeTrendingBen Ashkenazy lists Hamptons estate for record $125MSouth Florida’s multifamily construction pipeline reaches record, as developers seize on south Miami-DadeChinese investor buys 801 Tower office building in LA for $60MFed up: Why real estate deserves an apology from the central bankCommercialChicagoADuPage downturn: Inside the decline of suburban Chicago officesSeven large office loans on lenders’ watchlistsGroup RMC's Maher Cherfan, Fairbridge Partners' Dimitry Gordeev; 1431 Opus Place in Downers Grove, 1 Westbrook Corporate Center in Westchester (Linkedin, Getty, Loopnet)Jun 29, 2023, 1:56 PMBy Rachel HerzogSave articleSHARE THIS ARTICLEFONT SIZEAAAAnother wave of commercial real estate distress is swelling in a pocket of Chicago’s western suburbs, presenting DuPage County’s office market with a $270 million question.That’s the value of seven large debts tied to big office properties in the area that loan servicers have grown concerned about because the buildings struggled to hold on to tenants as the pandemic evaporated demand for real estate, according to securitized debt tracking service Morningstar.All the debts — including a $63 million loan on Executive Towers West, a three-building property along Opus Place in Downers Grove — have either landed on the watchlists of their respective lenders in recent weeks or did so earlier during the health crisis. Watchlisting a loan is a step usually taken by creditors who notice downturns in the performance of the collateral underlying investments that may lead to nonpayment of debt.“There’s going to be a bloodbath of office foreclosures just because of that one-two punch,” ACO Commercial broker George Toscas said. “The knockout is the refinancing if they have a loan coming due and they’re in the middle of changing out their tenants or doing a lot of buildout. Pretty sad, but it’s business.”Yet the loans against these massive office campuses that are watchlisted are actually in a better place than many of the debts on competing buildings in suburban Chicago, which are either already in foreclosure, delinquent on payments or in danger of imminent defaults, and thus being handled by a special servicer that often piles costly fees onto the debt.For New York-based Group RMC, the owner of the 671,000-square-foot Executive Towers asset, there’s a longer clock to overcome the challenges of refilling the property, which had its debt added to Wells Fargo’s watchlist when its occupancy fell below 70 percent last year, from 86 percent in 2021, after losing key tenant State Farm.But its $63 million loan doesn’t mature until 2028, meaning Group RMC has a better chance of riding out the storm than landlords with sooner maturities. The building’s leasing revenue covered its debt service last year, though by a slimmer margin than previously, taking in only $5.2 million in net cash flow in 2022, compared to nearly $8 million the three years before.Still, it’s not the only sore spot for Group RMC, which also owns the five-building, 1.1 million-square-foot Westbrook Corporate Center in Westchester, which has a $99 million loan on its lender’s watchlist and lies just east of the DuPage County line, where it’s fallen victim to tax hikes on commercial real estate in Cook County.The loan was flagged due to decreasing occupancy — about 71 percent, down from 80 percent in 2019 — combined with expenses that are 17 percent higher than the lender anticipated when the landlord purchased the property from Blackstone for $132 million in 2018. The increase in carrying costs were driven mainly by a 37 percent jump in real estate taxes for the property, according to a loan servicer’s April report. That debt also matures in 2028, though.Sign Up for the undefined NewsletterSIGN UPBack in DuPage County, Group RMC’s $41 million debt secured by two assets — Oakmont Center at 601 Oakmont Lane in Westmont, which is only 58 percent occupied, and the Oak Creek Center at 500 Waters Edge Lane in Lombard — is also on loan servicer KeyBank’s watchlist.The Oak Creek Center, a 430,000-square-foot office complex, is about 78 percent occupied but has nine tenants occupying a total of almost 93,000 square feet that have leases set to expire within the year, according to a sevicer’s report this month. Group RMC did not respond to a request for comment.And the worries emanating from lenders that they won’t get fully repaid the money they handed office landlords don’t end with that firm. New Jersey-based Fairbridge Partners is also facing downturns on multiple fronts in DuPage County.A $48 million loan on Fairbridge’s 233,000-square-foot Oak Brook Gateway in Oak Brook and 153,000-square-foot Cornerstone Cantera in Warrenville is on Wells Fargo’s watchlist, with a June report from the special servicer noting decreased base rent due to lower occupancy at both properties, which totals about 64 percent.Fairbridge has said “they are vigorously marketing the spaces through brokers” but don’t have a prospective tenant or an estimate of how long it will take to backfill the space, according to the loan report. The firm did not respond to a request for comment.Some landlords of other area office properties, including Highland Oaks and Oak Park Plaza owner Accesso Partners, have expressed hope that they can work things out from even more dire situations, such as having missed loan payments.“We continue to work in good faith with the special servicer on Highland Oaks and Park Plaza, and are optimistic about negotiating mutually beneficial resolutions,” a spokesman for the investor recently told The Real Deal.Plights faced by ventures of Chicago real estate investor Chet Balder shows how the strategies landlords will employ to solve debt problems depend on whether maturity dates are far enough into the future that there’s a chance of an office market recovery before it’s time to cough up cash or face foreclosure.Balder’s $19 million debt on the 232,000-square-foot, 10-story tower at 1815 South Meyers Road is on a lender’s watchlist, as well, with an April report from the special servicer citing lower rental income at the 70 percent occupied property. But that loan doesn’t mature until 2029, giving the property a puncher’s chance of a comeback.Meanwhile, Balder has already agreed to hand back a Rolling Meadows office to its lender, conceding he won’t pay back a $23 million loan against the building. Read more Commercial Chicago Lincoln Property, Adventus hit with more suburban office trouble Commercial Chicago Accesso juggling loan deadlines in rough suburban office market Commercial Chicago Adventus’ suburban office problems run deeper than Oak Brook auction Companies and PeopleFairbridge PartnersGroup RMCMidlandWells FargoTagsOffice MarketSuburban ChicagoTop storiesAll MarketsAll MarketsChicagoLos AngelesNationalNew YorkSan FranciscoSouth FloridaTexasTri-StateBen Ashkenazy lists Hamptons estate for record $125MSouth FloridaSouth Florida’s multifamily construction pipeline reaches record, as developers seize on south Miami-DadeLos AngelesChinese investor buys 801 Tower office building in LA for $60MNationalFed up: Why real estate deserves an apology from the central bankRecommended For YouAbout usContact usPrivacy policyTerms and ConditionsSubscribeCorporate SubscriptionsAdvertiseHelp centerCareersShopAll rights reserved © 2024 The Real Deal is a registered Trademark of Korangy Publishing Inc.450 West 31st Street, New York, NY 10001 Phone: 212-260-1332

Silent to Stephen Curry’s Golf Dismissal, Charles Barkley Finds Inspiration in AI-Driven Shakespeare Sonnet - EssentiallySports LiveLatestNBANFLNASCARParis OlympicsMore SportsES FancastAllLatest LiveParis OlympicsES FanCastNBANFLNASCARGolfTennisBoxingFormula 1UFCWWESwimmingMLBSoccerHome/NBASilent to Stephen Curry’s Golf Dismissal, Charles Barkley Finds Inspiration in AI-Driven Shakespeare SonnetByAshmit KumarJun 29, 2023 | 1:10 PM EDTLink Copied!via ImagoImage Credits: Imagovia ImagoImage Credits: ImagoWhen he is not busy showing off his skills on the basketball court and winning the hearts of NBA fans everywhere, Stephen Curry has been seen enjoying the occasional round of golf. Having played the sport since the age of 10, Curry has participated in various celebrity golf tournaments over the years and has played twice in the Korn Ferry Tour, despite not having made the cut. His enthusiasm towards the sport has resulted in him being bestowed the title of Golf Ambassador of 2023.As the 35-year-old point guard for the Golden State Warriors turns his attention to the upcoming golf game titled ‘The Match’, fans notice somewhat of a tension brewing between Curry and Charles Barkley, another well-known name in the NBA community.Stephen Curry praises Michael Jordan over BarkleyADVERTISEMENTArticle continues below this adStephen Curry and Klay Thompson, the duo that will be taking on the NFL Duo of Patrick Mahomes and Travis Kelce in the 8th edition of the upcoming celebrity golf tournament, were interviewed recently by the crew of Through the Wire.via ImagoNBA, Basketball Herren, USA Golden State Warriors at Atlanta Hawks Mar 17, 2023 Atlanta, Georgia, USA Golden State Warriors guard Stephen Curry 30 and Golden State Warriors guard Klay Thompson 11 on the bench against the Atlanta Hawks in the second half at State Farm Arena. Atlanta State Farm Arena Georgia USA Copyright: xBrettxDavisx 20230317A few minutes into the talk, the duo was asked about their choices/preferences if two basketball players were made to engage in hypothetical golf matches. When asked about their choice between Michael Jordan and Charles Barkley, two legends of the 1990s, the 4-time NBA champion established his support for Jordan with the words “I mean, that’s gotta be Mike. It’s gotta be Mike, all day!” When Thompson remarked that Jordan would come out on top even if they gave Barkley a 20-stroke advantage, Curry couldn’t help but let out a laugh. While it may seem that the duo is simply preferring one candidate over another, one couldn’t help but wonder whether Thompson’s remarks had anything to do with what Charles Barkley had said about him not so long ago.READ MORE: 8 Months After Public Outcry Aimed at Charles Barkley, 4x NBA Champion Could Settle Scores in VegasBarkley chats with an AI Bot to get some tipsThe former Houston Rockets player either has not paid much heed about what Curry and Thompson had to say about him, or he is remaining silent on the issue. Either way, he is trying to find ways to improve upon his golf game. A recent example took place when Barkley tried to seek his answers from an AI-driven chatbot.ADVERTISEMENTArticle continues below this adA video uploaded by Bleacher Report showed Charles Barkley turning to Microsoft Bing in order to get some honest advice. The video shows Barkley asking a straightforward question with regard to what may be wrong with his golf swing. The AI chatbot provided direct but blunt responses.Unconcerned, the TNT analyst continued his banter and asked the chatbot to provide him with some inspiration for his golf game, “with a sonnet in the style of Shakespeare.” To this, the bot replied, “To swing a club and hit a tiny ball is not an easy task for mortal men.”ADVERTISEMENTArticle continues below this adWATCH THIS STORY: 43YO Media Veteran’s Stephen Curry Tale Could Serve as a Stern Warning to Charles Barkley, Patrick Mahomes and His Best FriendCharles Barkley is expected to be a commentator when the pair of Curry and Thompson will be doing their best to beat the opposition. Perhaps only until the day of the match, all the fans can do is wonder whether the existing tension will be a thing of the past or lead to some nasty tee-offs.EssentiallySports is a digital-first sports media house that surfaces the best stories on America's favorite sports celebrities with a fan's perspective to 30+ M average monthly readers.SportsAllBoxingFormula OneGolfNASCARNBANFLONE ChampionshipTennisUFCWWEBodybuildingWNBAEssentiallySportsAbout UsAdvertise With UsAuthorsEditorial TeamBehind The ScenesHumans of EssentiallySportsContact UsFAQsOur BrandsFanCastOn The RopesBodybuilding BrosClub GolfLucky Dog on TrackSportsAllBoxingFormula OneGolfNASCARNBANFLONE ChampionshipTennisUFCWWEBodybuildingWNBAPrivacy PolicyES PressroomEthics PolicyFact-Checking PolicyCorrections PolicyCookies PolicyGDPR ComplianceTerms of UseEditorial GuidelinesOwnership and funding InformationFull Spectrum Services LLP © 2024 | All Rights Reserved

Sonoma, Marin business leads from commercial real estate transactions: June 29 report - The North Bay Business Journal Skip to content Skip to footer Show Menu Hide Menu eEdition eEdition Log In Register Account Menu Link Your Account My Account eEdition Log Out Search Close Search SUBSCRIBE NBBJ Events Business Events Construction Wine Industry Cannabis Real Estate Law Manufacturing Columns Newsletters Sonoma, Marin business leads from commercial real estate transactions: June 29 report JEFF QUACKENBUSHTHE NORTH BAY BUSINESS JOURNAL June 29, 2023 Order Article Reprint Commercial real estate transactions Brokerage abbreviations: K & = Keegan & Coppin Co. Inc. Send commercial real estate transactions to jquackenbush@busjrnl.com. A compilation for the last 12 months is available for $45 by calling 707-521-5270. Check out which companies are leasing and buying office, retail, industrial and multifamily properties in Marin and Sonoma counties via the following deals. LEASES Listing format: square footage at address; property type; lessee; procuring agents; lessor; listing agents; transaction date (occupancy date) Marin County 3,530sf at 1101 Fifth Ave., #200, San Rafael; office; Maher Accountancy; na; 1101 Fifth Ave LLC; Matt Storms of K & May 17 1,301sf at 1401 Los Gamos Road, #220, San Rafael; office, renewal; LAFCO; na; Security Mortgage Group 2; Nathan Ballard & Matt Storms of K & April 26 234sf at 523 Fourth St., #226, San Rafael; office; David Rhoads; na; Seagull Prime; Matt Storms of K & Feb. 10 Sonoma County 41,000sf at 255 Todd Road, Santa Rosa; industrial (0.94 acres with shop and yard); Norcal Pool Construction Inc. dba South Bay Gunite; Shawn Johnson of K & Bryan H & Alison Musco 2022 Living Trust; Shawn Johnson of K & May 12 40,500sf at 4298 Santa Rosa Ave., Santa Rosa; industrial (2,500sf shop, 38,000sf yard); United Cerebral Palsy of the North Bay; James Nobles of K & C & Recycling Services LLC; James Nobles of K & May 1 22,999sf at 975 Corporate Center Parkway, #120, Santa Rosa; industrial; Bachan’s Inc.; Demi Basiliades of K & CPSA, Corporate Center LLC; Shawn Johnson of K & Oct. 14, 2022 12,210sf at 2321 Circadian Way, Santa Rosa; industrial; Grow Strong Industries; Shawn Johnson of K & Santa Rosa Corporate Center Associates LLC; na; April 7 9,769sf at 1701 Piner Road, Santa Rosa; industrial; Forgotten Felines of Sonoma County; Gil Saydah & Nathan Coogan of K & 1701 Piner Investments LLC; Mike Flitner & Shawn Johnson of K & May 22 8,393sf at 6000 State Farm Drive, Rohnert Park; office; State Comp Insurance Fund; Jeffrey Wilmore of K & RP Investments; na; April 18 5,682sf at 950 N. Dutton Ave., Santa Rosa; industrial; Nadeem Anjum; Shawn Johnson of K & Doris Maxwell; Shawn Johnson of K & May 12 5,505sf at 777 Aviation Blvd., #B, Santa Rosa; office; John Bixler; na; Barbara Drotter; Shawn Johnson & Nathan Coogan of K & March 27 5,400sf at 541 Martin Ave., #2, 4, 6 & 8, Rohnert Park; industrial; Fastenal Company; na; Michael Gallagher; Kevin Doran of K & May 18 4,200sf at 621 Carlson Court, Unit 4, Rohnert Park; industrial; Shippert Racing Services Inc.; na; Mike Gallagher; Kevin Doran of K & April 25 3,650sf at 359 E. Washington St., Petaluma; retail; Raul Hernandez; Sara Wann of K & Cross Creek Group Inc.; Sara Wann of K & May 1 3,000sf at 461 Seventh St. W., Sonoma; office; Sonoma Ecology Center; na; Glen Ellen Properties; Joel Jaman of K & April 18 2,665sf at 6115 State Farm Drive, #B-4, Rohnert Park; office; Billa Management; Danny Jones of K & SBPark LLC; Kevin Doran of K & March 23 2,539sf at 5555 Skylane Blvd., #D, Santa Rosa; office; Anvil Power Inc.; Shawn Johnson of K & Barbara Drotter; Shawn Johnson & Nathan Coogan of K & May 30 2,487sf at 111 Santa Rosa Ave., #202, Santa Rosa; office; County of Sonoma; Russ Mayer of K & 111 Santa Rosa LLC; na; March 22 2,448sf at 1304 Southpoint Blvd., #110, Petaluma; office; Securitas Security Services USA Inc.; Sara Wann of K & Grace Development Group Inc.; na; April 25 2,438sf at 327 O’Hair Court, #A2, Santa Rosa; industrial; Ras Engineering; Rhonda Deringer & Jim Sartain of K & Kleebauer Family Trust; Rhonda Deringer & Jim Sartain of K & May 10 2,386sf at 186 N. Main St., #210, Sebastopol; office; Jonathan Pinkston; Rhonda Deringer & Annette Cooper of K & Maxwell Myers Co.; Rhonda Deringer & Annette Cooper of K & May 18 2,322sf at 990 Sonoma Ave., #9, Santa Rosa; office; Sutter Bay Medical Foundation; na; EYRAUD Investments LLC; Kevin Doran of K & March 26 2,275sf at 628 E. Washington St., #B, Petaluma; office; North Bay Veterinary Dentistry Inc.; Sara Wann of K & Kerry Mahoney Davison Trust; Sara Wann of K & Aug. 1, 2022 2,029sf at 144 W. Napa St., #101, Sonoma; office; JP Morgan Chase National Association; Rhonda Deringer of K & Chateau Sonoma Hotel Group LLC; na; March 14 1,860sf at 1260 N. Dutton Ave., #180, Santa Rosa; office; John LeCave; Dave Peterson of K & STG Group; Dave Peterson & Danny Jones of K & April 10 1,580sf at 800 Mendocino Ave., #2 & 3, Santa Rosa; office; Rong Kang Feng; na; Romero Limited Partnership; Annette Cooper of K & April 20 1,533sf at 186 N. Main St., #250, Sebastopol; office; Karina Kincaid & Lowell Provost; Rhonda Deringer & Annette Cooper of K & Maxwell Myers Co.; Rhonda Deringer & Annette Cooper of K & Feb. 14 Most Popular 1,321sf at 2455 Bennett Valley Road, #C106, Santa Rosa; office; RHMT LLC; na; Basin Street Properties; Dave Peterson & Peter Briceno of K & March 23 1,283sf at 2455 Bennett Valley Road, #A212, Santa Rosa; office; Greenvine Landscaping; na; Basin Street Properties; Dave Peterson & Peter Briceno of K & March 24 1,173sf at 2455 Bennett Valley Road, #B107, Santa Rosa; office; David Rubenstein Professional Mortgage; Dave Peterson of K & Basin Street Properties; Dave Peterson & Peter Briceo of K & April 14 1,100sf at 5625 State Farm Drive, #7, Rohnert Park; industrial; Akio Hunt dba Integrity Glass; Sara Wann of K & New California Land Co.; Peter Briceno & Kevin Doran of K & March 16 1,100sf at 1460 E. Cotati Ave., #G, Rohnert Park; retail; Francisco Lemus dba Lemus Family Enterprises Inc.; Kevin Doran of K & Chris Henry; Kevin Doran of K & May 3 1,097sf at 925 Corporate Center Parkway, #C, Santa Rosa; retail; Silvia Plasceneia Casteneda & Urbano Ibanez Ricardez; Bryan Altamirano of K & Mahaveer LLC; Rhonda Deringer & Jim Sartain of K & May 8 1,048sf at 5468 Skylane Blvd., #107, Santa Rosa; industrial; Vertex Pharmaceuticals; Peter Briceno of K & B & O Enterprises; James Nobles & Shawn Johnson of K & Jan. 31 900sf at 7 Page St., #B, Cotati; office; Windows Health Corporation; Rhonda Deringer of K & Marc Lewitter; Bryan Altamirano of K & May 10 800sf at 1042 Hopper Ave., #2D, Santa Rosa; industrial; Phillip Walker; Sara Wann of K & PB&J Hopper Satna Rosa LLC; Sara Wann of K & May 8 784sf at 5625 State Farm Drive, #46, Rohnert Park; industrial; West County Beer Company; Peter Briceno of K & New California Land Co.; Kevin Doran & Peter Briceno of K & April 12 SALES Listing format: square footage at address; property type; buyers; procuring agents; sellers; listing agents; transaction date; value Sonoma County 434,729sf at 4350 Barnes Road, Santa Rosa; hospitality (78-room Vintners Resort and Spa hotel, conference and event spaces, 9.98-acre property); Vintners Inn LLC; na; VR Acquisition LLC (Ensemble Vintners Investor LLC & Jackson Family Investments LLC); na; May 31; $42,000,000 165,964sf at 5012 Petaluma Blvd. N., Petaluma; retail land (3.81 acres); Dynamic Real Estate Partners LLC; Russ Mayer & Demi Basiliades of K & MYOB Investments; Russ Mayer & Demi Basiliades of K & May 18; na 29,757sf at 1431 Grove St., Healdsburg; industrial; Eugene Toschi; Shawn Johnson of K & Stanley Kirt Kisling & Brenda Lee Kisling, Matthew Maguire, Robin Maguire, Mark Lebrett & Lisa Lebrett; na; May 17; $7,240,000 17,394sf at 1363-1367 Redwood Way, Petaluma; office; Ronald and Theresa Cook Trust; na; Petaluma Real Estate Inc. (Eurofins Scientific); Sara Wann of K & May 17; $2,595,000 1,726sf at 858 3rd St., Santa Rosa; office; Hae Suk Howard & Charlie Lee Howard; na; Paul Reynolds Trust; Annette Cooper of K & May 19; na Commercial real estate transactions Brokerage abbreviations: K & = Keegan & Coppin Co. Inc. Send commercial real estate transactions to jquackenbush@busjrnl.com. A compilation for the last 12 months is available for $45 by calling 707-521-5270. 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Average Cost of Car Insurance in South Dakota for 2024 | FinanceBuzz DEMOCRATIZE FINANCIAL INDEPENDENCE Trending Stories 6 Genius Hacks Amazon Shoppers Must Know Is A Recession Coming? 8 Things To Do ASAP Trending Stories 6 Genius Hacks Amazon Shoppers Must Know Is A Recession Coming? 8 Things To Do ASAP Make Money Make Money Overview Best Of Best Side Hustles Best Weekend Side Jobs Best Side Hustles for Couples Best Game Apps Best Survey Sites Best Sites for Remote Work Reviews Solitaire Cash Review Bingo Clash Review Survey Junkie Review Shipt vs Instacart Guides Legit Ways to Make Money Earn Money Delivering Groceries Side Hustles for Introverts How to Resell Earn Money Watching Videos Low-Cost Franchise Opportunities How to Start a Blog Credit Cards Credit Cards Overview Best Of Best Credit Cards of 2024 Best Rewards Credit Cards Best Cashback Credit Cards Best Travel Credit Cards Best Business Credit Cards Best Balance Transfer Credit Cards Best 0% Intro APR Credit Cards Best Secured Credit Cards Reviews Wells Fargo Active Cash Review BankAmericard Review Citi Double Cash Review Chase Ink Cash Review Capital One Quicksilver Review Citi Premier Review Amex Blue Cash Everyday Review Chase Freedom Unlimited Review More Credit Card Reviews Guides Getting Your First Credit Card How Balance Transfers Work Best Credit Cards for Gas Best Credit Cards for Groceries Best Travel Cards for Beginners Credit Cards With TSA PreCheck Credit Cards Costco Accepts Cash Back vs Miles Investing Investing Overview Best Of Best Robo Advisors Best Online Brokers Best Investment Apps Reviews Stash Review Robinhood Review TD Ameritrade vs Robinhood M1 Finance Review Masterworks Review Wealthfront Review Guides How to Make Passive Income Real Estate Investing 101 How to Save for Retirement FIRE Movement Guide Can You Lose More Than You Invest? 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Farmers Mutual Of Nebraska is generally the cheapest car insurance in South Dakota for full coverage policies. Compare car insurance rates in your area! See if you qualify for a lower rate in less than 2 minutes By clicking the button below I understand and agree that this site uses site visit recording technology (provided by Trusted Form, Jornaya, and Microsoft Clarity) Privacy Policy Check Rates FAST, EASY & FREE We receive compensation from the products and services mentioned in this story, but the opinions are the author's own. Compensation may impact where offers appear. We have not included all available products or offers. Learn more about how we make money and our editorial policies. South Dakota is among the fastest-growing states in the country. Thousands of people are relocating here each year, whether for the state’s incredible landmarks, outdoor recreation, or affordable cost of living. For new South Dakota residents, or those thinking about moving here, it's important to know the state's auto insurance requirements and typical costs for coverage. The average cost of full coverage car insurance in South Dakota is $1,284 per year, compared to the national average of $1,582. But exactly how much you'll pay may vary based on your age, credit, and location. In this article Key takeaways How much does car insurance cost in South Dakota? Average cost of car insurance in South Dakota by provider How does credit score affect car insurance rates in South Dakota? Average car insurance rates for high-risk drivers in South Dakota How does age affect car insurance rates in South Dakota? South Dakota car insurance rates by city SD's minimum car insurance requirements How to save money on car insurance in South Dakota Methodology FAQs about car insurance costs in SD Key takeaways The average cost of car insurance in South Dakota is $1,284 per year for full-coverage policies. Drivers with a clean driving record and excellent credit pay an average of $1,181 per year for state-minimum liability coverage. Teen drivers pay an average of $3,456 per year for auto coverage. How much does car insurance cost in South Dakota? Despite South Dakota's population growth over the past few years, it still has a much lower-than-average population density. As a result, there are fewer vehicles in the state, so car insurance tends to be relatively affordable. The average cost of car insurance in South Dakota is $1,284 per year for full-coverage policies — that includes liability, collision, and comprehensive insurance. And state-minimum liability coverage is just $345 per year. Avg. cost for full coverage Avg. cost for minimum coverage Cheapest insurance provider $1,284/year $345/year Farmers Mutual Of Nebraska Avg. for young drivers Avg. cost for seniors Avg. for high-risk drivers $3,456/year $1,360/year $1,781/year Average cost of car insurance in South Dakota by provider Many major insurance companies issue policies in South Dakota, including nationwide insurers like GEICO and State Farm. However, SD also has smaller insurers that serve a limited number of states, such as Farmers Mutual of Nebraska. These insurance companies may offer lower premiums than some of the bigger ones. We found that Farmers Mutual of Nebraska has the lowest average premiums for full-coverage policies. But for state-minimum insurance coverage, USAA has the lowest average premiums of South Dakota providers. Provider Full coverage Minimum liability coverage Farmers Mutual of Nebraska $718/year $257/year American Family $1,324/year $362/year Allstate $1,101/year $397/year Progressive $1,379/year $424/year GEICO $1,365/year $373/year State Farm $927/year $285/year USAA $1,148/year $188/year Get rates, offers & more from top rated insurance providers! By clicking the button below I understand and agree that this site uses site visit recording technology (provided by Trusted Form, Jornaya, and Microsoft Clarity) Privacy Policy Check Rates How does credit score affect car insurance rates in South Dakota? In many states, insurers review drivers' credit histories as a common practice during the underwriting process. South Dakota is no exception — insurers can use your credit score to help determine your auto insurance premiums. And if you have poor-to-fair credit, you may have to pay more for coverage. We found that drivers with credit scores below 650 pay $2,869 per year on average for auto insurance coverage. That’s compared to the state average of $1,284. Credit health Avg. annual premium Poor (550-649) $2,869/year Average (650-699) $1,600/year Good (700-749) $1,456/year Excellent (750+) $1,181/year Average car insurance rates for high-risk drivers in South Dakota Driving recklessly or while under the influence can have significant financial consequences in South Dakota. SD drivers with a DUI conviction see their premiums increase by an average of $1,178 per year. And a speeding ticket causes premiums for South Dakota drivers to increase by an average of $592 per year. Violation Avg. annual premium before violation* Avg. annual premium after violation Avg. cost increase At-fault accident $1,284/year $2,212/year $928 DUI $1,284/year $2,462/year $1,178 Speeding ticket $1,284/year $1,876/year $592 *Assumes clean driving record with good credit How does age affect car insurance rates in South Dakota? Like in many other states, teens in South Dakota pay much more for auto insurance than other age groups. The average annual premium for drivers 18 years of age is $3,806 — more than the state average of $1,284. As you age and get more experience behind the wheel, car insurance premiums typically decrease. In the Mount Rushmore State, drivers in their 60s have the lowest average premiums at $1,151 per year. Age Avg. annual premium 18 $3,806/year 25 $1,377/year 30 $1,292/year 40 $1,335/year 60 $1,151/year South Dakota car insurance rates by city Areas with a lot of people and higher crime rates tend to have the highest car insurance premiums. In South Dakota, Rapid City has the highest average premiums at $1,797 per year — more than the $1,284 state average. That higher insurance rate is due to the higher crime rate in SD’s second-largest city. NeighborhoodScout gave Rapid City a six on its crime rating index, meaning it considers this town more dangerous than 94% of U.S. cities. And Rapid City’s property crime rates are significantly higher than the rest of the state, indicating that residents here are more likely to be victims of crimes like auto theft or vandalism. City Avg. annual full-coverage premium Rapid City$1,797/year Yankton $1,632/year Watertown $1,510/year Aberdeen $1,482/year Brookings $1,437/year Sioux Falls $1,406/year SD's minimum car insurance requirements All drivers in South Dakota legally must have car insurance, and your policy must meet the following minimums: $25,000 in bodily injury liability for one person $50,000 in bodily injury liability for two or more people $25,000 in property damage liability Additionally, the state requires drivers to have uninsured motorist insurance that meets the following requirements: $25,000 per person in bodily injury protection $50,000 per accident in bodily injury protection How to save money on car insurance in South Dakota To save money on your car insurance premiums in South Dakota or anywhere else, follow these tips: Decrease your deductible: Your premiums are partially based on your deductible — the amount of money you pay for repairs or injuries before your insurer starts paying out on a claim. The higher your deductible is, the lower your premiums will likely be. That means increasing your deductible can lower your current insurance premium. Take a driving course: Some insurers offer discounts if you complete a qualifying defensive driver course. To find out if your insurer offers a defensive driving discount, contact your agent. Ask about other discounts: Call, email, or visit your local agent to ask about other insurance discount programs. Most insurers offer several discounts, including good student, multi-policy, multi-vehicle, and accident-free discounts. Do your homework: Before purchasing a policy, shop around and request quotes from several companies to find the best car insurance rates possible. Methodology Our analysis was conducted using six different auto insurance marketplaces to determine the average cost of auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different. FAQs about car insurance costs in SD Is car insurance expensive in SD? No, car insurance is less expensive in South Dakota than it is in most other states. The average cost of full-coverage policies in South Dakota is $1,284 per year compared to the national average of $1,582. How much is car insurance per year in SD? The average cost of car insurance in South Dakota is $1,284 per year for full-coverage policies and $345 per year for state-minimum liability insurance.  Save On Your Auto Insurance You could save up to $600 with some companies Compare dozens of providers in under 5 minutes Fast, free and easy way to shop for insurance Quickly find the perfect rate for you Get a quote now Bank of America® Customized Cash Rewards Credit Card 3% cash back in the category of your choice - like online shopping - with the Customized Cash Rewards card Apply now Sponsored Related Reading INSURANCE The Hartford Auto Insurance Review [2024]: Great Perks for AARP Members INSURANCE Best Car Insurance in Wyoming for 2024 INSURANCE Best Car Insurance in North Dakota for 2024 INSURANCE Best Car Insurance in South Dakota for 2024 Learn how to make an extra $200 Get vetted side hustles and proven ways to earn extra cash sent to your inbox. or SUBSCRIBE TO EXTRA By submitting this form you agree to receive emails from FinanceBuzz and to the privacy policy and terms. 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