
Amwins: Real Estate and Hospitality Casualty Markets Face Challenges in Capacity and Rate
As the casualty insurance market continues to evolve, both real estate and hospitality businesses are facing new challenges around pricing, coverage, and capacity. Below are the key market dynamics our clients should be aware of as we approach mid-year renewals.

Balancing Higher Deductibles and Lender Requirements: Strategies for Real Estate and Property Management
For real estate and property management clients, balancing the cost-saving benefits of higher insurance deductibles with lender requirements can be challenging. Strategies such as deductible buy down policies, indemnity agreements, and reimbursement policies help insureds reduce premiums while meeting lender expectations. Additionally, effective collateral management, including alternatives like letters of credit and third-party trust arrangements, is critical for clients navigating the increasing costs and evolving requirements of loss-sensitive insurance programs.

Is the California FAIR Plan Enough? Understanding Coverage Limits and Lender Requirements
The California FAIR Plan provides essential property insurance for high-risk areas, offering basic coverage against perils like fire and wind when traditional insurance options are unavailable. However, this limited coverage does not usually meet lender requirements, as it excludes important protections like liability, theft, and water damage. To meet lender standards and achieve comprehensive protection, homeowners using the FAIR Plan often need to add a supplemental policy, such as a Difference in Conditions (DIC) policy, to fill these gaps.