When it comes to property and casualty insurance, Vermonters have the best insurance market and the best regulators, according to the Heartland Institute. The ranking is below. The Heartland Institute’s mission ‘is to discover, develop and promote free market solutions to social and economic problems.’ The institute annually rates the states’ insurance departments against two criteria: ‘How free are consumers to choose the property and casualty insurance products they want?’ and ‘How free are insurers to provide the property and casualty insurance products consumers say they want?’The Institute’s 2011 survey, released June 26, ranks Vermont highest among all states. Department of Banking Insurance, Securities & Health Care Administration Commissioner Steve Kimbell was not surprised by the ranking. ‘This premier ranking reflects the blend of common sense and professionalism that has long existed in our Insurance Division and which continues under the able leadership of Deputy Commissioner Susan Donegan,’ Kimbell said. (Read the Report Card HERE.)About HeartlandHeartland’s mission is to discover, develop, and promote free-market solutions to social and economic problems. Such solutions include parental choice in education, choice and personal responsibility in health care, market-based approaches to environmental protection, privatization of public services, and deregulation in areas where property rights and markets do a better job than government bureaucracies. Top and Bottom Ten States for Property and Casualty Insurance RegulationTop Ten Grade ScoreVermont A+ 24Ohio A+ 22Illinois A 15Maine A 13Wisconsin B+ 10Arizona B+ 8N. Dakota B+ 8Utah B+ 8Idaho B+ 7S. Carolina B+ 7Bottom Ten Grade ScoreColorado D+ -14Tennessee D -14Alaska D -15Michigan D- -16New York D- -17Massachusetts D- -18Hawaii F -22Texas F -25California F -28Florida F -35The Property & Casualty Insurance Report Card, 2011 Edition can be found online at:http://www.heartland.org/firepolicy-news.org/article/30283(link is external).