The insurance industry is constantly changing. Across the country, states like Arkansas, Colorado, Connecticut, Florida, Louisiana, Montana, Texas and Washington have passed new laws in 2025 that directly affect homeowners and renters insurance.
These changes can drive premiums higher, create dissatisfaction with coverage and leave clients turning to you for answers. From rate hikes and cancellations to new disclosure rules, it’s no surprise your clients are worried—and often confused—about what’s happening.
So, here’s how you can stay ahead of the curve and build trust while others are still catching up:
Follow your state committees (the easy way)
Most insurance bills start in a committee—often called Insurance, Banking or Commerce—and only become law after your governor signs them. You don’t need to follow every step, but a quick check on your state legislature’s website will keep you ahead. Look up your state’s insurance committee page and subscribe to updates if available.
You can find your state legislature’s website here, and your governor’s site—with bill signings and press releases—directly from this dropdown menu.
If you’d rather not dig through state websites one by one, there are tools that pull everything together. LegiScan aggregates legislation across all 50 states. The National Conference of State Legislatures (NCSL) also publishes updates on legislation trends. These resources let you quickly see what’s moving forward without a ton of extra work.
Communicate proactively
Don’t wait for clients to call you when they get a surprise non-renewal notice or rate increase. Use ClientCircle tools like:
- Automated renewals to warn clients about policy updates or premium shifts before they happen. A quick heads-up builds trust and reduces frustration.
- Personalized messages—whether that’s an email, text or letter—so clients who may be affected by a change know you’re watching out for them.
- Client Connect to send mainstream news articles and stories about industry changes directly to clients. If you’d like a refresher on how Client Connect works, check out this blog post.
Make it part of your relationship, not a one-off
When clients see you as their go-to source for clear, timely information, they’re more likely to stick around. The more consistently you communicate, the more you strengthen trust and loyalty—even during uncertain times.
Takeaway
Insurance laws are changing quickly and clients are paying attention. By keeping an eye on your state’s insurance committees, using tools like LegiScan or NCSL and leaning on ClientCircle to communicate proactively, you’ll turn a potential pain point into an opportunity to show your value as an advisor.