In 2024, homeowners face a tough insurance market. Challenges from 2023—like inflation, climate-related losses, and rising reinsurance rates—persist. Inflation impacts premiums, severe weather events drive property losses, and reinsurance costs remain high. Expect continued premium hikes and stricter home condition scrutiny. For strategic insights and tailored solutions, contact Carlson Insurance Group today.

In 2024, the auto insurance market will challenge car owners seeking quality coverage while managing costs. Understanding market dynamics is crucial. 2023's hurdles—rate inadequacy, rising claims, inflation, higher reinsurance costs, complex repairs, increased litigation, and more uninsured drivers—persist. Expect rate increases and complex market shifts. Carlson Insurance Group can help you navigate these challenges. Contact us today for personalized assistance.

Many drivers overlook how credit scores affect car insurance rates. Most states use credit scores to determine premiums, but California, Massachusetts, and Hawaii ban this practice. Regulations vary by state, so talk to your agent. Insurers in some states weigh credit scores more heavily. Even with poor credit, you may qualify for discounts. Proper use of car seats and booster seats reduces children's injury risk in accidents. Contact Carlson Insurance Group today.