The personal insurance landscape is changing, with rising premiums, severe weather events, and evolving underwriting guidelines. Being proactive has never been more important. Fast Break host Matt Cranney sits down with Amy Schroeder and Tim Hoel from M3 Elevate’s Personal Lines team to unpack why the “set it and forget it” mindset no longer works.

The conversation outlines the drivers behind increasing rates, from catastrophic weather and rebuilding costs to the ripple effects of global reinsurance markets. These factors impact everyone, even those with no claims, making it critical to understand policy changes before they affect you.

Personal lines insurance is no longer static. By partnering with M3 Elevate you can stay ahead of risks, protect what you have built, and avoid costly surprises when disaster strikes.