McCarran-Ferguson Act

The 1945 federal law that left insurance regulation mostly to the states. It’s why your Department of Insurance, not Washington, runs the show.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.