Public Liability Insurance: Small to Large Sized Business
Reading Time: 6 minutesPublic Liability Insurance: Small to Large Sized Business Introduction As an expert in the insurance industry with over a decade of experience at Hotaling Insurance Services, and a nurturing mom of two, I’ve seen firsthand the multitude of challenges businesses and individuals face in safeguarding their assets and operations. From cyber liability to environmental damage, […]
Guide to Burial Insurance for Seniors
Reading Time: 6 minutesGuide to Burial Insurance for Seniors: End-of-Life Planning Introduction The focus on “burial insurance for seniors” stems from a personal journey of over a decade in the insurance industry, particularly with Hotaling Insurance Services. This experience has illuminated the critical yet often overlooked aspect of end-of-life planning: burial insurance. This type of insurance, crucial for […]
Is An Umbrella Policy a Waste of Money? How much is it?
Reading Time: 8 minutesIs an Umbrella Policy Worth It? Expert Analysis & Real Cost Breakdown Last Updated: September 17, 2025 | Reviewed by Hotaling Insurance Team Quick Insights Box: Umbrella insurance costs $150-$300 annually for $1M coverage but protects millions in assets. Our clients with $500K+ net worth see 15:1 value ratios. Legal settlements averaging $2.3M in 2025 […]
Mounjaro Savings Card: Card Glitches & Solutions
Reading Time: 6 minutesHow to Get and Use the Mounjaro Savings Card in 2025 Updates Expiration Dates: Commercially insured cards valid through December 31, 2025. Cash-pay (non-covered) cards expire June 30, 2025. Supply Durations: 1-month supply: 28 days / 4 pens 2-month supply: 56 days / 8 pens 3-month supply: 84 days / 12 pens Savings Caps & […]
Otto Insurance: Reviews, Rates, Claims, and Customer Service
Reading Time: 5 minutesOtto Insurance: What Sets It Apart—and Why Hotaling Is the Smarter Choice When you’re in the market for insurance, it’s easy to ask: “Is Otto Insurance legit?” or “Is Otto Insurance a scam?” Otto Insurance is a free aggregator that promises to connect you with top carriers for auto, home, life, and pet insurance quotes. […]
Does Insurance Cover Invisalign? Real Costs & FSA Tips
Reading Time: 7 minutesDoes Insurance Cover Invisalign? Real Costs & FSA/HSA Tips for 2025 Last Updated: September 11, 2025 Quick Insights: Understanding Invisalign Insurance Coverage Most dental insurance plans with orthodontic benefits offer partial coverage for Invisalign, typically covering 25% to 50% of the total cost. Expect a lifetime orthodontic maximum ranging from $1,000 to $3,000 per person; […]
Is Wegovy Covered by Insurance? Coverage Tips
Reading Time: 6 minutesIs Wegovy Covered by Insurance? Coverage Tips Getting Wegovy approved through your insurance plan can feel like navigating a maze. While some policies cover it for weight loss or diabetes-related obesity, many require prior authorization or deny coverage altogether. This guide will walk you through what to expect, who’s more likely to get approval, and […]
Does Trulicity Cause Weight Loss? Cost and Discounts
Reading Time: 7 minutesDoes Trulicity Cause Weight Loss? Cost and Discounts Introduction “Does Trulicity cause weight loss?” Yes, Trulicity’s role not just in blood sugar regulation but also in potentially aiding weight loss among patients.| has become a pivotal question in my decade-long tenure in the healthcare sector, particularly at Hotaling Insurance Services. This inquiry not only highlights […]
Are Automakers Sharing My Driving Behavior with Insurance Companies?
Reading Time: 2 minutesAre Automakers Sharing Your Driving Behavior with Insurance Companies? Featuring: Erika Rudnick A significant shift within the auto insurance industry has been underway, one that may affect how drivers perceive their privacy and premiums. As more automakers are sharing consumers’ driving behavior with insurance companies, consumers are discussing consent, data privacy, and the far-reaching implications […]
Will My Disability Benefits Change When I Turn 65?
Reading Time: 4 minutesWill My Disability Benefits Change When I Turn 65? SSDI to Retirement Introduction My clients ask me this every quarter, “will my disability benefits change when I Turn 65?” Short answer is no. When turning 65, your disability benefits transition from SSDI to retirement benefits without reducing the amount, ensuring financial and healthcare stability. As […]