The Connecticut insurance commissioner has recommended that the state legislature give her authority to disapprove coastal homeowners insurance rates that she deems excessive and added controversial guidelines for coastal insurers.

In “A Report on the Availability of Homeowners Insurance Along the Connecticut Coastline,” Commissioner Susan F. Cogswell also called for an increase in the per-claim cap on losses covered by the Connecticut Insurance Guaranty Association from $300,000 to $500,000 to reflect higher home values.

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