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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. Penny ...

Sophie Venz is a former Deputy Editor at Forbes Advisor. She is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously ...

“There is likely further pain ahead,” Jerry said in a report. Note: Louisiana and Florida tend to rank high because both experience frequent catastrophic claims from extreme weather, Bankrate said.