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Ralph’s Blogs

Hurricane Erin Advisory – August 21, 2025

Counsellors Title Agency is closely monitoring Hurricane Erin as it impacts the New Jersey shoreline today, Thursday, August 21, 2025. While the center of the storm will remain offshore, its large size is already producing significant coastal hazards across Atlantic,...

Florida Home Insurance Crisis Part 3

Will Florida and At-Risk States Benefit? The transformation of Florida’s insurance market presents both opportunities and ongoing challenges. The entry of new, specialized insurers provides more options for consumers and introduces competitive pressure that could...

Florida State Backed Insurance Carrier Part 2

New State-Backed Carrier in Florida – Citizens Property Insurance As private insurers fled, Florida’s state-backed Citizens Property Insurance Corporation became the safety net for hundreds of thousands of homeowners. Citizens, designed to be the “insurer of last...

Exodus of Florida’s Insurance Carriers – Part 1

A number of Florida’s home insurance carriers have reduced or ceased offering new homeowners insurance policies in Florida recently. Key examples include Farmers Insurance, Bankers Insurance, and Lexington Insurance, a subsidiary of AIG, who have all voluntarily...

June Sales for Hudson County

Hudson County Single Family Homes for June Key Metrics         2024       2025     Change New Listings        111          110     – 0.9% Closed Sales        51           48     – 5.9% DOM*                    230        36     + 20.0% Median PX        $615K    $707K ...

Foreclosure Surge Hits New Jersey

The financial pressure from high property taxes appears to be taking its toll on Garden State homeowners. A recent study by Property Shark revealed a troubling 23% year-over-year increase in first-time foreclosures across the 12 New Jersey counties in the metropolitan...

The Costs of the Rental Crisis

Despite Recent Declines, Rent Remains Out of Reach for Many Americans After more than a year of declining rental prices, many Americans might expect some relief from the housing affordability crisis. Unfortunately, the reality is more complex. While rents have indeed...

June Sales for Bergen & Passaic Counties

Bergen and Passaic Counties Bergen County Single Family Homes for June Key Metrics         2024       2025     Change New Listings        742          718     – 3.2% Closed Sales        527        507     – 3.8% DOM*                    29         27     – 6.9% Median...

New Jersey’s Sandcastle Economy Solution – Part 3

From Sandcastle to Bedrock: Leveraging New Jersey's Own Assets Like a sandcastle at high tide, New Jersey's current fiscal foundation crumbles with each economic wave. But rebuilding requires more than just copying other states' playbooks. Benchmarks from fiscally...

A Solution for New Jersey’s Sandcastle Economics Part 2

Where Real Economic Liquidity Exists It's not going to be summer forever, and New Jersey leaders need to see this an act.  The cost of living in this state is becoming untenable for middle class families.  To move beyond a sandcastle economy, New Jersey needs leaders...

New Jersey’s Sandcastle Economy

by: Anthony DiMaio  Some economies look impressive from a distance—polished, intricate, even admired by onlookers. But up close, their foundations tell a different story. They are built on sand. And sand, no matter how carefully shaped, is the least stable of all...

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