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Personal Lines Roundtable Ep. 14: Unlocking opportunities in 2026 with market insights

December 19, 2025

As we enter 2026, the personal lines market is poised for steady progress and new opportunities. After a year of uncertainty, the outlook is positive. Economic resilience, combined with policy stability and easing interest rates, sets the stage for growth in the second half of the year. For independent agents, this is an opportunity to lead with confidence and care. 

Consumers want more than a policy. They seek guidance, clarity and solutions that fit their lives. Rising home prices and auto costs make protection more important than ever. Agents who adopt a predict and prevent mindset and offer tools such as smart home devices, telematics and Focused Driving Rewards® can meet evolving client needs. These solutions may help reduce risk, prevent disruptions and provide peace of mind in an unpredictable world. 

Technology is transforming the industry, but it remains a human centric business. While AI may can streamline tasks, clients still turn to agents first for advice that matters1. By combining digital efficiency with meaningful conversations, agencies can strengthen trust and loyalty. In 2026, success will come from pairing innovation with empathy and helping customers protect what matters most and building relationships that last. 

Watch the full episode: