Rate Insurance

08/25/2026

We're honored to be recognized as one of Insurance Journal's Top 100 Independent Property/Casualty Agencies for 2026, coming in at #78 nationwide.

As we continue to grow, our focus remains the same: providing clients with expert guidance, personalized coverage, and an insurance experience built around their needs.

Thank you to our team, partners, and customers for helping us reach this milestone!

08/13/2026

Fact: Life insurance isn’t just for parents; it’s for anyone with financial responsibilities.​
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If someone would be impacted financially by your absence, coverage may still be worth considering. This could include:
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- Your mortgage​
- Shared expenses with your partner​
- Co-signed debt​
- Plans for the future​
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Protect what you’re building with coverage designed to fit your life. Get a quick quote through Lifeley:
https://lnkd.in/gWkiCMNG

08/11/2026

What’s one of the biggest risks landscaping businesses face?

Property damage.

Whether it's damaged irrigation systems, hardscaping, vehicles, or neighboring property, the financial and reputational impact can add up quickly. That's why proactive risk management matters.

Check out our latest article for tips on identifying common property damage risks and protecting your business from unexpected setbacks:

07/30/2026

Insurance is about more than checking a box, especially for physicians and other high-income professionals.

Our President, Jeffrey Wingate, was recently featured on The White Coat Investor Podcast to discuss what physicians and other high earners need to know about home and auto insurance, including how to navigate rising costs, manage liability risks, and ensure they have the right protections in place.

Read the recap and listen to the episode:

In a recent episode of The White Coat Investor Podcast, Rate Insurance President Jeff Wingate joined host Dr. Jim Dahle to discuss what physicians and other high-income professionals need to know about home, auto, renters, and umbrella insurance. During the conversation, Jeff explains why insurance....

07/15/2026

If you couldn't live in your home tomorrow because of a covered loss, would you know how you'd pay for temporary housing? That's where loss of use coverage comes in.

This often-overlooked part of a homeowners insurance policy may help cover additional living expenses while your home is being repaired after a covered event.

Learn how it works and why understanding your coverage matters. Read the full article:

Insurance coverage for your home, automobile, or your business is a move that is designed to protect your finances. If there’s a covered event such as a fire in your home or you are in an accident, having insurance coverage means that you don’t have to worry about paying out of pocket to replace...

07/08/2026

Headed to the beach? Don’t let your ring take a dive.​
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25% of engagement ring losses happen in oceans and lakes. Let Rate Insurance help you keep it safe:

https://lnkd.in/e85EyKm4

06/08/2026

Storms, vessel traffic, aging infrastructure, and waterfront exposure can all put a marina's docks and piers at risk. Yet many marina owners don't realize how costly damage to these critical assets can be until a loss occurs.

Dock and pier insurance helps protect the structures your marina depends on and can help safeguard your business from unexpected repair and replacement costs.

Learn more about protecting your marina's infrastructure and why specialized coverage matters:
https://www.rate.com/insurance/resources/dock-and-pier-insurance-protecting-your-marinas-infrastructure/

Summer is prime time for on-the-water fun and activities, and your marina will likely be busy with people getting the most out of their boats and other watercraft. As a business owner, you want to protect your marina from accidental damage. The best way to guard against unexpected losses is to be pr...

05/28/2026

Rate Insurance’s 2026 Home Insurance Trends Report was featured in Scotsman Guide, highlighting a major shift: the first deceleration in homeowners insurance premium increases since 2019.

We're excited to see our data helping shed light on the trends shaping affordability, risk, and coverage decisions for homeowners across the country.

Check out the full article here:

But premiums still rose an average of 9.2% last year: Rate Insurance study

05/21/2026

Rate Insurance's 2026 Market Analysis is here!

As home insurance costs continue to rise and coverage options become more complex, staying informed has never been more important.

Our latest Consumer Insights report analyzes nearly 70,000 home insurance policies nationwide to uncover the trends shaping the market in 2026. From rising premiums and changing deductibles to increased demand for flood insurance and shifts in carrier availability, the report provides a comprehensive look at what's impacting homeowners across the country.

Download our full report here:

Homeowners insurance premiums have more than doubled since 2019, rising 107.6% acrossRate Insurance’s portfolio. In 2025, the pace finally slowed. While premiums are still increasing, the cumulative rise has changed what homeowners pay and what their coverage looks like in practice. Our report pre...

05/05/2026

Farm work comes with real risks, but workers’ compensation coverage isn’t always one-size-fits-all. Whether you’re running a small family farm or a larger operation, understanding your coverage options can help protect your employees and your business.

Our latest blog dives into coverage requirements, exemptions, and what farm owners should know:

https://www.rate.com/insurance/resources/workers-compensation-for-farm-workers/

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