Builders Risk Insurance and Rising Construction Material Costs
Reading Time: 7 minutesBuilders Risk Insurance and Rising Construction Material Costs Quick Insight: Builders risk insurance covers material theft and damage but requires specific endorsements for price escalations. With materials representing 40-50% of construction costs, proper coverage protects both your inventory and profit margins. Last month, a framing contractor working in The Heights called our office in panic. “Lumber […]
The Complete Gap Insurance Guide 2025
Reading Time: 8 minutesThe Complete Gap Insurance Guide 2025: Everything You Need to Know Last Updated: September 17, 2025 | Comprehensive Guide by Hotaling Insurance Team Quick Insights Box: Gap insurance costs $20-$40 annually but protects against thousands in losses. With 84% of new cars financed and average loans reaching $40,366, gap coverage prevents paying for totaled vehicles […]
The 2025 Texas GAP Insurance Guide
Reading Time: 4 minutesThe 2025 Texas GAP Insurance Guide: Everything You Need to Know Meta description: Comprehensive guide to GAP insurance in Texas — what it is, costs, provider comparison, state laws & protections, and resources to help you make confident decisions. Quick Insights What GAP Does: Covers the “gap” between what your auto insurer pays (actual cash […]
Basics & Definitions: How Does Gap Insurance Work for Cars and Leases?
Reading Time: 9 minutes Last Updated: October 20, 2025 | 2025 Gap Insurance Data: Current pricing, provider comparisons, and regulatory updates How Does Gap Insurance Work for Cars and Leases? Complete 2025 Guide Gap Insurance in Plain English Bottom Line: Gap insurance pays the difference between your car’s actual cash value and what you still owe on […]
Basics & Definitions: What Is Gap Insurance? Complete Guide
Reading Time: 7 minutesWhat Is Gap Insurance? A Complete Beginner’s Guide (2025) Quick Insights on Gap Insurance Gap insurance (Guaranteed Asset Protection) in 2025 is a type of auto insurance coverage that pays the difference (“gap”) between a vehicle’s actual cash value (ACV) at the time of a total loss and the remaining loan or lease balance still […]
AI Insurance is Reimagining Policy Reviews
Reading Time: 3 minutesAI Insurance: How Domain‑Specific Tools like Qumis Are Reimagining Policy Review Why insurance is turning to AI Insurers are being squeezed by two simultaneous forces: unprecedented claim complexity and an approaching talent cliff. Claims like cyber breaches and social‑inflation lawsuits involve novel risks and hundreds of pages of legalese. Rayne Morgan’s report on the launch […]
Garbage Truck Insurance: Coverage Essentials and Compliance
Reading Time: 7 minutesGarbage Truck Insurance: The Non-Negotiables (and Pro Moves) Your Fleet Needs to Win You don’t compete in “trucking.” You compete in risk management—on tight streets, with high-value iron, under federal and local scrutiny. Build a coverage stack that actually survives spills, lawsuits, and audits—or watch one incident erase years of profit. Here’s the playbook. Why […]
Understanding Supplemental Life Insurance
Reading Time: 4 minutesUnderstanding Supplemental Life Insurance: What It Is, Who Needs It, and How to Choose Your employer’s basic life insurance often only covers one or two times your salaryprogressive.com—enough for a funeral, but nowhere near enough to replace years of income or pay down a mortgage. Supplemental life insurance, also known as voluntary life insurance, adds […]
Health Insurance Deductibles Explained: Hotaling Insurance Services
Reading Time: 6 minutesHealth Insurance Deductibles Explained: How They Work and How to Choose Quick Insights Your deductible isn’t just a number—it’s a lever you can pull to take control of your health spending. Set it right, and you keep more of your money while staying protected from the big stuff. Set it wrong, and you’ll either bleed […]
Providers: Dealership Gap Insurance vs. Credit Union Gap Insurance
Reading Time: 5 minutesDealership vs. Credit Union GAP Insurance: What’s Best for You? When protecting your financed vehicle, choosing between dealership GAP coverage and credit union or insurer GAP insurance can reshape both your finances and peace of mind. This guide breaks down costs, coverage details, claim pitfalls, and expert-backed insights—plus added context for clarity and actionability. 1. […]