Our Promise

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

Whether you plan to buy a new home this spring, or just want to be prepared in case the unexpected happens, it's a good idea to review your homeowners insurance needs. This article provides guidelines to help you determine what coverage you need.

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New and Trending

Disasters + Preparedness Which disasters are covered by homeowners insurance?

Standard homeowners policies cover a wide range of potential disasters, from tornadoes to lightning strikes to winter storm damage. Policies do vary, though, so for your own peace of mind, check yours for the specific perils covered. Learn what's generally covered by each homeowners insurance policy type—and what's not.

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Insight + Analysis

P/C quarterly economic snapshot: Are we headed toward a slowdown?

This report focuses on the key economic indicators pertinent to the property/casualty (P/C) insurance industry, and takes a deep dive in the following areas: the HO exposure base; catastrophe claims by season; commercial property premiums; and P/C industry operating ratio. The presentation also includes a special section on vehicle travel prediction. 

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I.I.I. Glossary

EXCESS AND SURPLUS LINES- Property/casualty coverage that isn’t available from insurers licensed by the state (called admitted insurers) and must be purchased from a nonadmitted carrier.

EXCESS WORKER COMPENSATION- Excess workers compensation, a coverage geared to employers that self-insure for workers comp, comes into play when claims exceed a designated dollar amount.

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Insurance Information Institute shared a video
19 hours ago

As the legalization of #medicalmarijuana spreads, many are wondering about the consequences for #traffic #safety. Download our white paper to learn about #marijuana impairment -- how it affects driving abilities and how it might affect traffic safety: https://qoo.ly/wx8ha #cannabis #impaireddriving

Insurance Information Institute shared a video
22 hours ago

I.I.I. Non-Resident Scholar Dr. Phil Klotzbach provides his analysis of this year’s #hurricaneseason. He is doing the same for attendees of the National Hurricane Conference in New Orleans. #NHC2019 #NOLA #hurricaneprep

With more than 30 states now allowing patients legal access to #medicalmarijuana products, many are wondering about the consequences of #driving safety. To learn more about #marijuana impairment, check out our report here: https://qoo.ly/ws4i5 #canabis #impaireddriving

With more than 30 states now allowing patients legal access to #medicalmarijuana products, many are wondering about the consequences of #driving safety. Download our report to learn more about marijuana impairment: https://qoo.ly/wpsma #canabis #impaireddriving

Insurance Information Institute shared a link
2 weeks ago

The #100DeadliestDays are approaching! Download the I.I.I. whitepaper, "A Rocky Road So Far: Recreational #Marijuana and #ImpairedDriving," for the latest knowledge about the effects of legal #pot use on America's roadways. #distracteddriving

Insurance Information Institute shared a photo
2 weeks ago

I.I.I.’s Janet Ruiz and @StateFarm’s Heather Paul inform us that #dog-related injuries accounted for nearly 1/3 of all #homeowners liability claims in 2018. #preventdogbites @avmavets @AmericanHumane @victoriastilwell @AntiCruelty @ Chicago, Illinois

Insurance Information Institute shared a photo
2 weeks ago

I.I.I.’s Janet Ruiz (far left) is in Chicago for the National #DogBite Prevention Week Kickoff! She joins State Farm’s Heather Paul, Victoria Stilwell, & Dr. Lesa Staubus. Stay tuned for more! American Humane #preventdogbites

Insurance Information Institute shared a photo
2 weeks ago

As the legalization of #medicalmarijuana spreads, many are wondering about the consequences for #traffic #safety. Download our white paper to learn about #marijuana impairment -- how it affects driving abilities and how it might affect traffic safety: https://qoo.ly/whvaf #canabis #impaireddriving

Insurance Information Institute shared a link
3 weeks ago

With more than 30 states now allowing patients legal access to #medicalmarijuana products, many are wondering about the consequences of #driving safety. To learn more about #marijuana impairment, check out our report here: https://qoo.ly/wg9dc #canabis #impaireddriving

Insurance Information Institute shared a link
3 weeks ago

With more than 30 states now allowing patients legal access to #medicalmarijuana products, many are wondering about the consequences of #driving safety. To learn more about #marijuana impairment, check out our report here: https://qoo.ly/we5b3 #canabis #impaireddriving

Thought Leadership

I.I.I. News Wire

MEDIA ADVISORY: I.I.I. Has Featured Role At 2019’s National Hurricane Conference

For immediate release New York Press Office: (212) 346-5500; media@iii.org   New Orleans, La., April 18, 2019—The Insurance Information Institute (I.I.I.) is playing a prominent role at 2019’s National Hurricane Conference, which starts on Monday, April 22, at the Hilton New Orleans R… Read More

I.I.I. Non-Resident Scholar Offers First Look At 2019’s Hurricane Season

For immediate release New York Press Office: (212) 346-5500; media@iii.org New York, April 4, 2019—A slightly below-average level of activity is envisioned for the 2019 Atlantic hurricane season, according to a forecast released today by Dr. Read More

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Events Calendar

AON Impact Forecasting Revealed Conference
April
25
2019
Location: New York, NY
RIMS
April
28
2019
RIMS 2019 is set to deliver a diverse range of educational sessions facilitated by risk management innovators, disrupters and practitioners. Location: Boston, MA; Website
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