Coverage & Exclusions: Does Gap Insurance Cover Theft, Engine Failure, or Natural Disasters?
Reading Time: 6 minutesCost & Value: GAP Insurance Refunds and Cancellation — What to Know Last Updated: September 10, 2025 Understanding Your GAP Insurance Refund and Cancellation Rights Guaranteed Asset Protection (GAP) insurance provides a crucial financial safety net for car owners. Its primary role is to cover the difference between your vehicle’s Actual Cash Value (ACV) and […]
Cost & Value: Gap Insurance Refunds and Cancellation
Reading Time: 6 minutesCost & Value: GAP Insurance Refunds and Cancellation – What to Know Last Updated: September 11, 2025 Overview: Understanding Your GAP Insurance Refund and Cancellation Rights Whether you’ve purchased or leased a vehicle, understanding the intricacies of canceling Guaranteed Asset Protection (GAP) insurance and navigating the refund process is crucial for sound financial management. GAP […]
Coverage & Exclusions: When Does Gap Insurance Not Pay Out?
Reading Time: 11 minutesWhen GAP Insurance Doesn’t Pay: 12 Critical Exclusions Every Car Owner Needs to Know Last Updated: September 10, 2025 Why a GAP Insurance Claim Might Be Denied: Unpacking the Fine Print Guaranteed Asset Protection (GAP) insurance is often presented as an essential safety net for car owners who finance or lease their vehicles. Its primary […]
Cost & Value: How Much Is Gap Insurance Per Month on Average?
Reading Time: 6 minutesHow Much Is GAP Insurance Per Month? Last Updated: September 11, 2025 Overview: Understanding the Monthly Cost of GAP Insurance For any vehicle owner or lessee, understanding the monthly cost of GAP insurance is essential for weighing peace of mind against your budget. Guaranteed Asset Protection (GAP) insurance can be a crucial safeguard, covering the […]
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 […]