India traditionally follows wholesale data closely, although the more representative consumer inflation numbers introduced a couple of years ago are expected to become the benchmark in some years.

WSJ: India Factory Output Improves

Among changes that might work in consumers' favor are liability protection for certain claims and coverage for mold more generous than that of the typical ISO policy, says Mr. Schwarcz, who also serves as a consumer representative at the National Association of Insurance Commissioners, an organization of state regulators.

WSJ: Dodging a Home-Insurance Trap

The survey is based on a representative sample of 5, 000 U.S. households and measures consumer sentiment on current economic conditions and the spending outlook for the next six months.

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