Best of 2006: Risks and Benefits

• Property Insurance's Uneven Price Blip
Except for companies in storm-prone areas like Miami, the increase in premiums will likely be short-term.

• Insurers Seek Freedom from States
Insurance executives tell Congress that having a single federal regulator, or at least the option of one, could result in lower premiums than they can offer under the current 50-state system.

• A Tale of Two Insurance Markets
Overall, commercial premiums dipped for companies that don't really need hurricane or earthquake insurance.

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