Resources

Fossil Fuel Free Insurance Model Legislation

Establish a surcharge on or prohibit insurance companies from investing in and underwriting fossil fuels.

Direct fees to climate change resilience and mitigation.

Data Disclosure for Insurance Companies Model Legislation

1. Annually collect, publish, and map property insurance data
2. Publish annual reports to the public.
3. Require insurers to disclose “force-placed” insurance policies.
4. Disclose insurance companies’ underwriting of and investment in fossil fuels.

Insurance Withdrawal Model Legislation

Establishes guardrails on insurers abruptly abandoning a state by:

1. Requiring approval of a three-year withdrawal plan
2. Requesting public input on the plan
3. Incentivizing insurers to find replacement carriers

Fossil Fuel Free Insurance Bill 2-Pager: How to Break the Climate Insurance Doom Loop

A sharable and graphically rich explainer.

Data Disclosure for Insurance Companies Bill 2-Pager: Close the Information Gap

A short and sharable rich explainer.

Insurance Withdrawal Bill 2-Pager: How States Can Guard Against Insurance Company Retreat

A short and sharable explainer.

 

Mapping the Home Insurance Crisis

Zoom in on maps, download and sort tables of information on the home insurance crisis.

A Guide for State and Local Governments to Protect People Financially in the Lead-up to and Aftermath of Climate Disasters

How to stop a climate disaster from becoming a financial disaster for a community.

Insurance Rate Setting 101 and Recommendations

How insurance rates are set and how to improve the process.

Rising Property Insurance Premiums: The Uneven Risks to Household and Systemic Financial Stability

A report on racial and economic inequities within the property insurance market. Research reveals that homeowners with lower credit scores or who live in neighborhoods of color are often charged more for property insurance coverage even when the disaster risks they face are comparable to those paying less for insurance.