Manager, Marindependent Insurance Services LLC, California
Well, its dependent on each and every insurance company. However from the consumer's point of view: Each State Regulates insurance in their US state. Therefore each state has their own rules and regulations, typically created by the state insurance governing body.
With each states different rules and regulations, insurance companies must make calculated decisions about which states are worth their investment both of time and money.
Some states are too small for certain insurers to consider, others may be considered to have punitive rules, some may have legal standings that concern insurers. Other states may just not fit the insurance companies sweat spot. Such as an insurance company that specializes in log cabins attempting to write insurance in a state with few log cabins.
.JPG){kind=avatar}
With each states different rules and regulations, insurance companies must make calculated decisions about which states are worth their investment both of time and money.
Some states are too small for certain insurers to consider, others may be considered to have punitive rules, some may have legal standings that concern insurers. Other states may just not fit the insurance companies sweat spot. Such as an insurance company that specializes in log cabins attempting to write insurance in a state with few log cabins.
This can be frustrating, but there really isn't a way to "force" certain companies to be available in all states.
Or if you are in NY, you'll soon discover that there are fewer options, compared to let's say someone who lives in NJ.