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What is gap insurance?

Gap insurance covers the difference between what a vehicle is worth, and what is owed on it.

Facts + Statistics: Auto theft

Key Facts

  • reported less than 1 million vehicles were stolen in 2024 – a drop below the one million mark for the first time since 2021 and the largest decrease in stolen vehicles in the last 40 years. The 2024 figure is a 16.7 percent decrease from 2023.
  • According to :

    Facts + Statistics: Wildfires

    Key Facts

    • According to by the National Park Service, humans cause about 85 percent of all wildfires yearly in the United States.

    Facts + Statistics: Tornadoes and thunderstorms

    Convective storms

    Convective storms result from warm, moist air rising from the earth, and depending on atmospheric conditions, may develop into tornadoes, hail, thunderstorms with lightning, or straight-line winds. Convective storms are the most common and damaging natural catastrophes in the United States, according to Triple-I’s May 2020 white paper, Severe convective storms: Evolving risks call for innovation to reduce costs, drive resilience.

    Facts + Statistics: Homeowners and renters insurance

    Homeowners insurance premiums

    The average homeowners insurance premium rose by 7.6 percent in 2021 from 2020, according to a December 2023 study by the , the latest data available. The average renters insurance premium fell by 1.7 percent in 2021 marking the seventh consecutive annual decline.

    Facts + Statistics: Auto insurance

    Costs and expenditures

    The countrywide average auto insurance expenditure increased 6.1 percent to $1,127 in 2022 from $1,062 in 2021, according to the National Association of Insurance Commissioners. In 2022 (the latest data available), the average expenditure was highest in Florida ($1,625), followed by Louisiana ($1,558), and New York ($1,549).

    What is covered by standard homeowners insurance?

    Homeowners coverage provides financial protection against loss due to disasters, theft and accidents. Most standard policies include four essential types of coverage: coverage for the structure of your home; coverage for your personal belongings; liability protection; coverage for additional living expenses

    12 Ways to Lower Your Homeowners Insurance Costs

    Download a PDF version of this brochure.

    The price you pay for your homeowners insurance can vary by hundreds of dollars, depending on ÌìÃÀ´«Ã½ company you buy your policy from. Here are some things to consider when buying homeowners insurance.

    Nine ways to lower your auto insurance costs

    Download a PDF version of this brochure.

    One of the best ways to keep your auto insurance costs down is to have a good driving record.

    Listed below are other things you can do to lower your insurance costs. 

    Understanding ÌìÃÀ´«Ã½ claims payment process

    After a disaster, you want to get back to normal as soon as possible, and your insurance company wants that too! You may get multiple checks from your insurer as you make temporary repairs, permanent repairs and replace damaged belongings. Here's what you need to know about claims payments.