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We are the Insurance Information Institute. Since 1960, the "Triple I" has had a single mission: To improve public understanding of insurance—what it does and how it works. We are here to serve everybody: consumers; students and educational institutions; insurance professionals; government and regulatory organizations; and the media. Learn More
Insurance Rating Variables: What They Are and Why They Matter

Rating variables are an indispensable tool for setting the cost of insurance and restricting their use can have unintended consequences, according to a new paper released jointly by the Casualty Actuarial Society (CAS) and the Insurance Information Institute.

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Homeowners + Renters Insurance Understanding the insurance claims payment process

After a disaster, you want to get back to normal as soon as possible, and your insurance company wants that too! You may get multiple checks from your insurer as you make temporary repairs, permanent repairs and replace damaged belongings. Here's what you need to know about claims payments.


Insight + Analysis

Insurance Industry 2019 - Commentary on first quarter financial results

Although there were some bumps in the road—claims rose somewhat faster than premiums—most measures of financial results (premiums, underwriting results, investments, surplus growth and profitability) were positive, and some even reached recent or historical peaks. The industry results were released by ISO, a Verisk Analytics company, and the American Property Casualty Insurance Association (APCIA).


I.I.I. Glossary


Firms organized for the sole purpose of buying life insurance policies. The companies assume the premium payments, and collect the face value of the policy upon the policyholder’s death.

SEWER BACK-UP COVERAGE- An optional part of homeowners insurance that covers sewers.

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Thank you to all the news stations across the U.S. who helped us spread tips and information about #hurricaneprep this morning! We hope many people learned how they can prepare for this year’s #hurricaneseason. #SMT2019 #hurricane #insurance #insurancenews

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3 weeks ago

KSEE24 News reporter Fabiola Ramirez takes a test drive in Ford Motor Company’s #druggeddriving suit for the #100DeadliestDays event in Fresno, California. Watch her Facebook Live to see how she performed on the test track! #distracteddriving American Property Casualty Insurance Association CHP – Central Division

Insurance Information Institute shared a video
3 weeks ago

A test driver at the #100DeadliestDays event in Fresno, California demonstrates the effects of Ford Motor Company’s drugged driving suit. Summer months can be the most dangerous for #drivers, especially #teendrivers. #distracteddriving American Property Casualty Insurance Association CHP – Central Division

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3 weeks ago

Stay up to date with all the latest #insurance industry news and trends with the Daily newsletter. Contact us to learn about #membership opportunities that include the Daily subscription. #IIIDailyMP The Wall Street Journal Los Angeles Times

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4 weeks ago

The price you pay for auto insurance reflects many rating variables—including what & how much you drive. Insurers can only use variables approved by state regulators. A new Casualty Actuarial Society & I.I.I. study explains “Insurance Rating Variables: What They Are and Why They Matter.” #autoinsurance https://bit.ly/RatingVariables

Insurance Information Institute shared a video
1 month ago

The Insurance Information Institute has extensive information on #earthquake #insurance coverage and earthquake statistics. For more information, click here: https://bit.ly/2YBMUvT #Calquake #EarhquakeLA #insurancenews

Insurance Information Institute shared a photo
2 months ago

‪Dr. Steve Quarles performed a 🔥🔥 demonstration today at the #Rebuild with #Resilience Press Conference. The I.I.I. and other #insurance organizations work to bring #wildfire safety awareness to Northern California and across the nation.

Thought Leadership

I.I.I. News Wire

Parents Should Study How Campus Life Impacts Their Insurance

For immediate release New York Press Office: (212) 346-5500; media@iii.org NEW YORK, August 7, 2019 — The parents of full-time college students should review their insurance policies to make sure their children’s personal possessions are covered while they’re away at school, according to the Insuran… Read More

Media Advisory: I.I.I. To Join Ford Motor Company at Fresno State Event on July 31 as Part of Ford’s Driving Skills for Life Program

For immediate release I.I.I. Read More

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Events Calendar

40th Annual Central Missouri I-Day
Location: Columbia, MO; Website
Webinar: Price Optimization and Unfair Rate Discrimination: Emerging Regulatory and Litigation Issues in the Era of “Big Data” 
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