In December of 2007, we suggested that the 2008 commercial insurance market would be an extension of the trend in 2007 - - with a few possible twists. In our 2008 Market Outlook we stated:

Consequently, an insurance company looking to its investment portfolio to bail it out of bad pricing or underwriting decisions may be disappointed.

It turns out the events in the investment markets over the third and fourth quarters may have made our prediction a bit of an understatement. Read more...

• Your home's full market value, plus the value of all of your personal property
• The amount it would cost to build your dream home on the land your home once occupied
• The cost to replace or repair your home as well as up to 70 percent of the insurance amount for personal property
• None