Market Trends & Legislative Monitoring

While no major federal or carrier-level announcements have been released since October 20, the
Property & Casualty sector continues to closely track several developing trends that may
influence rates and underwriting decisions in early 2026.

Key areas under review include:
● Telematics Program Expansion: More carriers are incorporating telematics into auto
policies to improve pricing accuracy and reward safe-driving behaviors.
● Homeowner Rate Filings: States are evaluating new rate-increase requests as insurers
adjust to rising claim costs and regional risk exposure.
● Rebuilding Cost Inflation: Higher material and labor prices continue to impact
replacement-cost calculations, potentially affecting premiums and coverage
recommendations.

These ongoing shifts highlight the importance of reviewing policies regularly, ensuring clients
remain adequately protected as the P&C landscape evolves.