Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them.

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Advertising disclosure: When you use our links to explore or buy products we may earn a fee, but that in no way affects our editorial independence. Our research found that State Farm has the ...

It is worth noting that most homeowners, renters, and business policies ... in the event of a flood," said Andrew Stolfi, Oregon's insurance commissioner and director of the Department of Consumer ...