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Best homeowners insurance companies for May 2024

Updated May 07, 2024

Bankrate’s extensive research pinpointed Allstate, USAA and Amica as some of the best home insurance companies in the nation.

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The best home insurance companies in May 2024

There’s no single home insurance company that’s best for all homeowners, which is why Bankrate included 10 in our roundup of top picks. Our list of the best homeowners insurance companies includes providers that offer a broad range of coverage options so that you can build the best home insurance policy for your needs. To help narrow down your search, we also selected a key characteristic of each provider to highlight what makes it stand out from the pack.

Insurance Company Best for
Bankrate Score
Info
Average annual premium*
Best overall
4.7
Rating: 4.7 stars out of 5
$1,431
Best overall
4.2
Rating: 4.2 stars out of 5
$1,917
Best for digital experience
3.8
Rating: 3.8 stars out of 5
N/A
Best for high-value home coverage
4.3
Rating: 4.3 stars out of 5
$3,593
Best for customer experience
4.6
Rating: 4.6 stars out of 5
$1,863
Best for add-on coverage options
4.1
Rating: 4.1 stars out of 5
$2,312
NJM
Best for unique discounts
4.5
Rating: 4.5 stars out of 5
$721
Best for budget home insurance
4.6
Rating: 4.6 stars out of 5
$1,406
Best for local agents
4.2
Rating: 4.2 stars out of 5
$1,795
Best for robust coverage
4.4
Rating: 4.4 stars out of 5
$1,578
Best for add-on coverage options
4.1
Rating: 4.1 stars out of 5
$2,312
NJM
Best for unique discounts
4.5
Rating: 4.5 stars out of 5
$721
Best for budget home insurance
4.6
Rating: 4.6 stars out of 5
$1,406
Best for local agents
4.2
Rating: 4.2 stars out of 5
$1,795
Best for robust coverage
4.4
Rating: 4.4 stars out of 5
$1,578
*Based on policies with $300K dwelling coverage for 2024

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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

How Bankrate picked the best homeowners insurance companies

Whether you are a first-time homebuyer or a seasoned homeowner, the home insurance market can be challenging to understand. Bankrate’s insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for new home insurance. Our list of the best homeowners insurance companies includes providers that offer a broad range of coverage options, and have high third-party satisfaction and financial strength ratings, which we leveraged into a Bankrate Score out of 5.0. To make our list of best homeowners insurance companies, we chose carriers that:

  • Earned a Bankrate Score of 3.5 or higher
  • Scored within 30 points of the segment average for customer satisfaction in the J.D. Power 2023 U.S. Home Insurance Study (for companies that were included).
  • Have an AM Best financial strength rating of A (Excellent) or better
  • Were ranked by Bankrate as the best company for specific market segments, based on the company’s unique features
Bankrate logo

Bankrate's trusted insurance industry expertise

Read our full methodology

The home insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for new home insurance.

46 years

of industry experience

20.7k

Zip codes examined

122

Carriers reviewed

1.2M

Quotes analyzed

The top 10 home insurance companies

Awards

Best home insurance company overall (tie)

USAA

4.7

Rating: 4.7 stars out of 5

Avg. premium for $300K dwelling

$119/mo

Avg. premium for $300K dwelling

$1,431/yr

Customer satisfaction

881/1,000

Awards

Best home insurance company overall (tie)

Allstate

4.2

Rating: 4.2 stars out of 5

Avg. premium for $300K dwelling

$160/mo

Avg. premium for $300K dwelling

$1,917/yr

Customer satisfaction

809/1,000

Awards

Best for digital experience

Lemonade

3.8

Rating: 3.8 stars out of 5

Avg. premium for $300K dwelling

Not available

Avg. premium for $300K dwelling

Not available

Customer satisfaction

Not rated

Awards

Best for high value homes

Chubb

4.3

Rating: 4.3 stars out of 5

Avg. premium for $300K dwelling

$299/mo

Avg. premium for $300K dwelling

$3,593/yr

Customer satisfaction

801/1,000

Best for customer service

Amica

4.6

Rating: 4.6 stars out of 5

Avg. premium for $300K dwelling

$155/mo

Avg. premium for $300K dwelling

$1,863/yr

Customer satisfaction

844/1,000

Best for add-on coverage

Travelers

4.1

Rating: 4.1 stars out of 5

Avg. premium for $300K dwelling

$193/mo

Avg. premium for $300K dwelling

$2,312/yr

Customer satisfaction

790/1,000

Best for unique discounts

NJM

4.5

Rating: 4.5 stars out of 5

Avg. premium for $300K dwelling

$60/mo

Avg. premium for $300K dwelling

$721/yr

Customer satisfaction

Not rated

Auto-Owners

4.6

Rating: 4.6 stars out of 5

Avg. premium for $300K dwelling

$117/mo

Avg. premium for $300K dwelling

$1,406/yr

Customer satisfaction

834/1,000

Best for local agents

State Farm

4.2

Rating: 4.2 stars out of 5

Avg. premium for $300K dwelling

$150/mo

Avg. premium for $300K dwelling

$1,795/yr

Customer satisfaction

829/1,000

Best for robust coverage

Erie

4.4

Rating: 4.4 stars out of 5

Avg. premium for $300K dwelling

$132/mo

Avg. premium for $300K dwelling

$1,578/yr

Customer satisfaction

856/1,000

The best home insurance companies by state

Thanks to a combination of high customer satisfaction scores, low average premiums, discount opportunities, coverage options and more, we’re confident that the companies on this list are an excellent starting point for many shoppers. However, depending on your state, some carriers will be more competitive than others. Your location may demand premiums much higher or lower than the national average homeowners insurance cost, and some of the companies on this list may not be available in your state at all.

The United States is huge. Risks (and insurance markets) vary from state to state. Florida, for instance, is grappling with a homeowners insurance crisis, and many of the carriers on this list are no longer writing new business in the state. Instead, Floridians may need to rely on smaller regional companies for coverage. In California, home insurance companies are limiting coverage in response to increased wildfire risks (among other concerns). No matter where you live, narrowing your research by looking into the best homeowners insurance company in your state could help you find the best coverage at the best price.

Compare the best home insurance rates by state

To help illustrate how rates can differ depending on where you live, we created the interactive map below. Click on your state to see how much the average homeowners insurance policy costs in your area and how it compares to the national average. Please note that these average rates are based on policies with $300,000 in dwelling coverage.

Average annual premium
$2,745
Average monthly premium
$229
Average annual premium
$1,010
Average monthly premium
$84
Average annual premium
$1,988
Average monthly premium
$166
Average annual premium
$3,056
Average monthly premium
$255
Average annual premium
$1,452
Average monthly premium
$121
Average annual premium
$3,092
Average monthly premium
$258
Average annual premium
$1,655
Average monthly premium
$138
Average annual premium
$966
Average monthly premium
$81
Average annual premium
$6,366
Average monthly premium
$530
Average annual premium
$1,972
Average monthly premium
$164
Average annual premium
$1,134
Average monthly premium
$94
Average annual premium
$1,309
Average monthly premium
$109
Average annual premium
$2,186
Average monthly premium
$182
Average annual premium
$1,645
Average monthly premium
$137
Average annual premium
$2,005
Average monthly premium
$167
Average annual premium
$4,103
Average monthly premium
$342
Average annual premium
$3,049
Average monthly premium
$254
Average annual premium
$6,140
Average monthly premium
$512
Average annual premium
$1,260
Average monthly premium
$105
Average annual premium
$1,528
Average monthly premium
$127
Average annual premium
$1,622
Average monthly premium
$135
Average annual premium
$1,828
Average monthly premium
$152
Average annual premium
$2,476
Average monthly premium
$206
Average annual premium
$2,820
Average monthly premium
$235
Average annual premium
$2,065
Average monthly premium
$172
Average annual premium
$2,521
Average monthly premium
$210
Average annual premium
$5,588
Average monthly premium
$466
Average annual premium
$1,202
Average monthly premium
$100
Average annual premium
$963
Average monthly premium
$80
Average annual premium
$1,112
Average monthly premium
$93
Average annual premium
$2,058
Average monthly premium
$172
Average annual premium
$1,663
Average monthly premium
$139
Average annual premium
$2,776
Average monthly premium
$231
Average annual premium
$2,539
Average monthly premium
$212
Average annual premium
$1,194
Average monthly premium
$100
Average annual premium
$4,493
Average monthly premium
$374
Average annual premium
$1,006
Average monthly premium
$84
Average annual premium
$1,149
Average monthly premium
$96
Average annual premium
$1,961
Average monthly premium
$163
Average annual premium
$2,360
Average monthly premium
$197
Average annual premium
$2,583
Average monthly premium
$215
Average annual premium
$2,370
Average monthly premium
$197
Average annual premium
$3,773
Average monthly premium
$314
Average annual premium
$1,182
Average monthly premium
$98
Average annual premium
$806
Average monthly premium
$67
Average annual premium
$1,487
Average monthly premium
$124
Average annual premium
$1,350
Average monthly premium
$112
Average annual premium
$952
Average monthly premium
$79
Average annual premium
$1,169
Average monthly premium
$97
Average annual premium
$1,352
Average monthly premium
$113
Average annual premium
$1,377
Average monthly premium
$115
Average annual premium
$3,092
Average monthly premium
$258
Average annual premium
$1,655
Average monthly premium
$138
Average annual premium
$966
Average monthly premium
$81
Average annual premium
$6,366
Average monthly premium
$530
Average annual premium
$1,972
Average monthly premium
$164
Average annual premium
$1,134
Average monthly premium
$94
Average annual premium
$1,309
Average monthly premium
$109
Average annual premium
$2,186
Average monthly premium
$182
Average annual premium
$1,645
Average monthly premium
$137
Average annual premium
$2,005
Average monthly premium
$167
Average annual premium
$4,103
Average monthly premium
$342
Average annual premium
$3,049
Average monthly premium
$254
Average annual premium
$6,140
Average monthly premium
$512
Average annual premium
$1,260
Average monthly premium
$105
Average annual premium
$1,528
Average monthly premium
$127
Average annual premium
$1,622
Average monthly premium
$135
Average annual premium
$1,828
Average monthly premium
$152
Average annual premium
$2,476
Average monthly premium
$206
Average annual premium
$2,820
Average monthly premium
$235
Average annual premium
$2,065
Average monthly premium
$172
Average annual premium
$2,521
Average monthly premium
$210
Average annual premium
$5,588
Average monthly premium
$466
Average annual premium
$1,202
Average monthly premium
$100
Average annual premium
$963
Average monthly premium
$80
Average annual premium
$1,112
Average monthly premium
$93
Average annual premium
$2,058
Average monthly premium
$172
Average annual premium
$1,663
Average monthly premium
$139
Average annual premium
$2,776
Average monthly premium
$231
Average annual premium
$2,539
Average monthly premium
$212
Average annual premium
$1,194
Average monthly premium
$100
Average annual premium
$4,493
Average monthly premium
$374
Average annual premium
$1,006
Average monthly premium
$84
Average annual premium
$1,149
Average monthly premium
$96
Average annual premium
$1,961
Average monthly premium
$163
Average annual premium
$2,360
Average monthly premium
$197
Average annual premium
$2,583
Average monthly premium
$215
Average annual premium
$2,370
Average monthly premium
$197
Average annual premium
$3,773
Average monthly premium
$314
Average annual premium
$1,182
Average monthly premium
$98
Average annual premium
$806
Average monthly premium
$67
Average annual premium
$1,487
Average monthly premium
$124
Average annual premium
$1,350
Average monthly premium
$112
Average annual premium
$952
Average monthly premium
$79
Average annual premium
$1,169
Average monthly premium
$97
Average annual premium
$1,352
Average monthly premium
$113
Average annual premium
$1,377
Average monthly premium
$115
*Based on policies with $300k dwelling coverage

Finding the best homeowners insurance company for you

Insurance is a highly individualized product. Finding cheap homeowners insurance with good coverage can be a tough balancing act, but it may be possible if you know your needs and priorities, as well as how your circumstances can affect your rate. Climate and location, for example, can play large roles in how much coverage you need. If you live along a fault line, you may consider adding an earthquake endorsement to your policy. Or, if you live somewhere with a high flood risk, adding flood coverage is probably a wise move.

Home insurance companies typically use more than a dozen factors (that are personal to you) to calculate your rate. In most states, these factors include your credit history, ZIP code, claims history and marital status, among others. As a result, insurance rates, coverage options and savings opportunities differ from person to person (and company to company). When in doubt, you might find it helpful to speak with an independent agent who can request quotes from multiple companies on your behalf. They may also be able to give greater insight into your specific coverage needs.

Related content:

How to buy homeowners insurance

Once you are ready to purchase homeowners insurance, here is an overview of steps to follow:

What customer satisfaction metrics should you consider?

Some homeowners are less concerned with cheap rates and instead prioritize top-notch customer service. But, how can you know what a company's customer service experience is like before you've purchased a policy? Fortunately, there are a few different metrics that can give you a glimpse into how current policyholders feel about their home insurance carrier, including:

J.D. Power scores: J.D. Power conducts annual insurance studies by surveying current policyholders, asking them to rate the customer service and property claims experience they've received from their company. You can also learn about a carrier's digital tools by reviewing the 2023 J.D. Power Insurance Digital Experience Study.

NAIC Complaint Index: The National Association of Insurance Commissioners, or NAIC, records policyholder complaints and translates this data into a Complaint Index Score. Most insurance companies have an overall Complaint Index Score and a score for each line of available insurance. When interpreting this data, it's important to know that a company with an average number of complaints has a Complaint Index Score of 1.0. A score higher than 1.0 means the company gets more complaints on average and vice versa — a score less than 1.0 means fewer complaints than average.

Financial strength ratings: Although a company's financial strength rating may not be directly related to customer service, it's unlikely that a policyholder will be happy with their carrier if it doesn't have the funds to pay for a covered loss. Financial strength ratings issued by AM Best, Moody's, Standard & Poor’s and Demotech reflect a carrier's historical ability to pay out claims when needed. Most insurance agents agree that choosing a financially stable company is essential, as losses can be widespread after a natural disaster like a hurricane or wildfire.

Friends and family: Speaking with friends and family already insured with a company can be a powerful tool in understanding what to expect from a carrier. Word of mouth can go a long way, especially from trusted friends, family and colleagues.

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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Best homeowners insurance companies for different homeowners

Home insurance needs will change based on your unique situation. For example, first-time homebuyers will likely need something different from their provider than someone who purchased an Airbnb property or someone who purchased a historical home. Below, we’ve put together a list of the best home insurance companies for a variety of different scenarios.

Allstate: The best home insurance company for first-time homebuyers

It’s not uncommon for a home insurance company to extend a discount to first-time homebuyers. The companies we’ve chosen to highlight below all offer some type of discount for new homeowners or recent home purchases.

Allstate stands out to us for a few reasons as the best choice for a first-time homeowner. It offers both a 10 percent welcome discount and additional savings for recent homebuyers. Allstate’s high Bankrate Score, Bankrate Award for Best Overall Home Insurance Company and long list of additional coverage options check many of our boxes — and those of a first-time homebuyer. Plus, Allstate’s robust digital tools and expansive network of agents can help give first-timers the extra support they may need when navigating the insurance process.

USAA: The best home insurance company for leasing to a renter

If you purchased an investment property to rent out, you’ll likely need a home insurance provider that offers either short-term rental coverage or a landlord policy. A standard home insurance policy will likely only cover an owner-occupied building. Landlord insurance, among other things, can provide coverage for a tenant-occupied building. Short-term rental insurance can raise your liability limits and offer additional protection for your personal belongings.

USAA’s rental property insurance program offers strong protection for you and your home, whether you rent out your property for a week, a month or longer. If you do not qualify for a USAA policy, Allstate could be a good alternative. Its HostAdvantage policy even includes a discount from Merry Maids.

Chubb: The best home insurance company for homeowners with high-value homes or valuable items

While the definition of a high-value home may change from region to region, they have some insurance commonalities. Owners of high-value homes may seek higher coverage limits, specialized coverage endorsements and dependable customer service.

Chubb offers policyholders all of these things and more. It was awarded the 2024 Bankrate Award for Best for High-Value Homes for multiple reasons. Chubb’s policies include complimentary risk consulting and a HomeScan tool to help spot problems before they turn into expensive insurance claims. It has a wealth of coverage options for valuable items, like special endorsements for jewelry, art, collectibles and even wine and spirits.

How do I save on home insurance?

One of the easiest ways to maximize savings on your home insurance is to take advantage of home insurance discounts. Every insurance company has its own discounts, but common savings opportunities could include being claims-free or buying a new home. In some states (Florida and Louisiana, for instance), you could get a discount for adding wind mitigation features to your home. Stacking home insurance discounts could mean significant savings on your home insurance premium — and more money back in your pocket. Be sure to ask your insurance agent about all available discounts you qualify for to make sure you don’t miss out on savings opportunities. Raising your insurance deductible may also result in a cheaper premium, but be cautious not to raise it too high. It is important that your deductible remains at a level you can reasonably afford to pay out at the drop of a hat.

Related content

Best companies for bundling home and auto insurance

Bundling home and auto insurance means you are buying both policies from the same company. Most companies offer a discount on both auto and home policies (and sometimes other policies as well) as an incentive to policyholders. This has the potential to make both policies cheaper than if you were to purchase the policies from two separate insurance companies. To help give you an idea of how much you could potentially save by bundling policies, we checked each carrier’s website or contacted them to see how significant each company’s bundling discount could be.

Keep in mind that the best carrier for you will depend on your individual needs and preferences. In some cases, homeowners can find lower rates by keeping their home and auto policies with different insurance providers. One way to find the right fit is to make a list of the features you are looking for in both your home and auto insurance policies. Then, you can get quotes from several carriers that might match your needs.

Home insurance company Potential typical bundle discount*
USAA Up to 10 percent
Allstate Up to 25 percent
Lemonade Not stated
Chubb Not stated
Amica Up to 30 percent
Travelers Up to 13 percent
NJM Not stated
Auto-Owners Not stated
State Farm Up to $1,127 annually
Erie 16 to 25 percent

*Note that potential discount amounts for bundling are taken directly from the carrier website and are subject to change. Additionally, there is no guarantee that you would receive the discount advertised by the insurance company. If you want more information about bundling discounts from your insurance company, contact your insurance agent.

Home insurance industry trends

Signs show that our red-hot inflation could be cooling, but the economic situation remains uncertain. According to Bankrate’s 2024 annual emergency savings report, about 30 percent of American adults have more money saved compared to last year.

Still, some homeowners may try to cut costs by saving on their home insurance, but this could prove challenging. According to proprietary premium data from Quadrant Information Services, the national average homeowners insurance rate for $300,000 is $2,153, which is a rise from 2023. However, rates in some states have risen more than in others. For instance, many Florida homeowners have faced significantly higher rates.

Historic labor shortages and inflation are some of the post-pandemic woes plaguing the home insurance market. An increased frequency of extreme weather events, high reinsurance costs, excessive litigation and, in some states, rising insurance fraud are also factors. While shopping for a lower home insurance quote may still be worthwhile, finding a lower rate could take more work than in years past.

Bankrate continually monitors homeowners insurance rate trends to give our readers information they can use to make empowered, informed decisions about their policies. We also asked industry experts to shed some light on the current market and to provide tips that consumers might use to ease some of the pressure they may feel when receiving their policy renewal this year.

Industry experts weigh in 

With climate change comes an increasing rate of natural disasters. Will these catastrophic events impact average rates across the board, even in areas that didn’t experience the disaster?


Director of corporate communications, Insurance Information Institute

“Global economic losses from tornadoes, hurricanes, severe storms, wildfires, floods, and other natural disasters reached $270 billion in 2021. Of those losses, $111 billion were insured. Much of this loss trend is due to people moving into risk-prone areas. More people, homes, businesses and infrastructure means more costly damage when extreme events occur. More damage to insured properties means a higher claims volume and larger insured losses. Because of the way insurers are regulated, their options for responding to rising claims, other than by raising rates, are severely limited. Without substantial rate increases, they might have to draw heavily from their policyholder surplus. If surplus approaches defined regulatory thresholds, insurers will be required to raise rates, write less coverage, or, potentially, go out of business. Based on the trends described above, we expect homeowners’ premiums to continue to rise significantly across the U.S. in the years to come. Even if general inflation levels off, labor and replacement costs will continue to rise, albeit more slowly than what we experienced from 2020 through 2022."

Senior wealth advisor at Versant Capital Management

"Any consumer in the market to buy a home should get quotes for the home they are considering, understand covered events including coverage limits, and research trends and news related to the homeowners insurance markets in the area. I would also ask insurers their assessment of the risk in the area to homes for certain covered events and how this is trending. For those who expect to be in the home for a longer time period of time, consider understanding how the new area, city or state you are moving to fits into the broader climate change projections over the next 30-50 years as this may impact future homeowners insurance costs or coverage availability."

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze May 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:

  • Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000
  • Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
  • Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
  • Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
  • Coverage E, Liability: $500,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply. 

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Scores

Our Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

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Written by
Natalie Todoroff
Writer, Insurance

Natalie Todoroff is an insurance writer for Bankrate, prior to which she wrote for a popular insurance comparison shopping app. She has a Bachelor of Arts in English and has written over 800 articles about insurance throughout her career.

Edited by Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute