Cost & Value: Is Gap Insurance Worth It for New and Used Cars?
Reading Time: 6 minutesIs Gap Insurance Worth It for New and Used Cars? Last Updated: September 11, 2025 Overview: Is GAP Insurance a Smart Investment? When asking, “Is GAP insurance worth it?”, you’re delving into a strategic safeguard designed to protect drivers from a financially perilous moment: when the value of their car crashes faster than their loan […]
Coverage & Exclusions: Gap Insurance on a Totaled Car
Reading Time: 7 minutesHow Does GAP Insurance Work on a Totaled Car? Your Essential Guide to Financial Protection Overview Imagine this scenario: you’re involved in an accident, and your beloved vehicle is declared a total loss. Your standard auto insurance policy steps in to cover the vehicle’s Actual Cash Value (ACV) – what it was worth immediately before […]
Commercial Dump Truck Insurance Guide: Hotaling Insurance Services
Reading Time: 4 minutesCommercial Dump Truck Insurance Guide · U.S. Coverage & Cost Updated: July 29, 2025 · Written by the Hotaling Team Key Takeaways Dump-truck insurance is mandatory for hauling gravel, soil, demolition debris or asphalt on public roads. Standard policies bundle auto liability, physical damage, and cargo; optional add-ons cover environmental spills, debris removal, bobtail/non-trucking and […]
Architects & Engineers Professional Liability Insurance: 2025 Cost
Reading Time: 4 minutesArchitects & Engineers Professional Liability Insurance: 2025 Cost, Coverage & Savings Guide Modern projects carry razor-thin margins and “nuclear” verdict risks, so professional liability (a/k/a “errors & omissions”) has become the keystone of architects insurance and engineering insurance programs. Average premiums now run $140–$240 per month for $1 million limits, while the typical paid claim […]
Types of Construction Insurance: 2025 Guide for Contractors & Developers
Reading Time: 5 minutesTypes of Construction Insurance: 2025 Guide for Contractors & Developers Builder’s risk, general liability, workers compensation, inland-marine and contractors pollution liability are the five core types of construction insurance. Each protects a different phase of work and may be bundled to cut total cost of risk by 8-12 percent. Key Takeaways Builder’s Risk covers the […]
Texas SB 21 Approved in House for State-Run Bitcoin Reserve
Reading Time: 4 minutesTexas SB 21 Is Now Law: 2025 Business & Insurance Guide Signed on June 20 2025, the measure establishes America’s first state-managed Bitcoin reserve and requires quarterly proof-of-reserve audits for any custodian serving Texas users. Source Why You Can Trust Hotaling’s Take on SB 21 Experience. Hotaling Insurance Services is a nationally licensed, fully independent risk-management […]
Are Annuities a Good Investment: Landon Martinez – Insurance Specialist
Reading Time: 6 minutesAre Annuities a Good Investment: Landon Martinez – Insurance Specialist Updated July 14, 2025 — Written Landon Martinez, Insurance Specialist, Hotaling Insurance Services | Linkedin Author Bio: Are Annuities a Good Investment? I provide tailored insurance solutions for high-net-worth individuals and families—helping them manage rising premiums across life, estate, and personal-lines coverage. Over the past decade […]
When Should You Buy Long-Term Care Insurance?
Reading Time: 5 minutesWhen Should You Buy Long-Term Care Insurance? — Insurance Specialist Insights By Kenneth Hausman – Insurance Specialist, Hotaling Insurance ServicesUpdated July 10 2025 Short answer: Most people lock in coverage between ages 52 and 58—before premiums rise 6–8 percent each year and health issues cause declines. Quick Insights Age 55 is the price “sweet-spot” for many […]
What Is Commercial Health Insurance? (2025 Infographic Guide)
Reading Time: 3 minutesWhat Is Commercial Health Insurance? (2025 Infographic Guide) Commercial health insurance is any private, non-government plan—think PPO, HMO, or HDHP—offered by carriers such as Hartford, Chubb, or Aetna; employers or individuals pay premiums to cover healthcare costs beyond public programs. Download the Infographic Key Takeaways 65.4 % of Americans relied on private (commercial) coverage in […]
The Pros and Cons of a Home Equity Loan in Houston
Reading Time: 7 minutesThe Pros and Cons of a Home Equity Loan in Houston A Houston home-equity loan delivers a lump-sum at a fixed rate—ideal for major renovations or debt consolidation—but it also adds a second lien on your house and must stay under Texas’s strict 80 % combined-LTV cap. Key Takeaways: Should You Tap Your Houston Home […]