Homeowners Insurance Explained - How to Shop for the Best Policy - Home Insurance Tips

Looking to get the best insurance coverage without falling into common traps? This video breaks down everything you need to know to protect your home, finances, and future! From hidden benefits of avoiding big insurance companies to wild stories that demonstrate why reading the fine print is crucial, we've got you covered.

Go behind the scenes of what lenders and insurance agents talk about. Get to the real facts, no BS of home insurance.

We dive into essential tips like why you should re-shop your insurance every year, how to decipher insurance quotes, and why checking company ratings is a must. Not sure if you're covered for earthquakes or other natural disasters? We explain what you need to look for in your policy and endorsements to ensure you're fully protected. Plus, don’t miss the insane stories about a cow causing chaos and a fish tank disaster!

How to Contact our Guest, Kathy Leger of Leger Insurance : https://www.legerinsurance.com/

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Jennifer Hughes Hernandez, Legacy Mutual Mortgage - Equal Housing Opportunity Lender NMLS #514497

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CHAPTERS
00:00 Intro
02:55 - Why Avoid Big Insurance Companies? Discover the hidden advantages of going through a broker instead of big-name insurance providers.
05:04 - Should You Re-Shop Your Insurance Every Year? Find out why re-shopping your insurance annually can save you money and ensure better coverage.
07:23 - Key Details in Your Insurance Quote. Learn what you absolutely need to pay attention to when comparing insurance quotes.
08:00 - Why Insurance Company Ratings Matter. Protect yourself by understanding how insurance company ratings can impact your claims and service quality.
09:00 - Open Peril Policies: Are You Covered? We explain why it's critical to have an open peril policy to ensure you’re fully protected against all risks.
10:00 - Earthquakes and Earth Shifting: What’s Covered? If you’ve noticed cracks in your walls, this section will help you understand what your policy covers and what it doesn’t.
11:00 - Crazy COW Story! You won’t believe what happens when a cow creates an insurance nightmare—tune in for this wild story!
11:48 - Fish Tank Explosion! Hear the bizarre story of a fish tank disaster and how insurance saved the day.
13:15 - Critical Endorsements You Can’t Miss. Ensure you’re not missing key endorsements in your policy that could leave you exposed to big risks.
16:20 - Liability Insurance: How Much Do You Need? Liability coverage is more important than you think—find out why the amount matters.
19:00 - Deductibles: What’s Mandatory? Get the lowdown on deductibles, what’s required, and how they impact your policy.
24:00 - Replacement Costs: Actual vs. Guaranteed Replacement Cost. Understand the difference between actual replacement costs and guaranteed replacement coverage so you’re never caught short.
31:00 - Roof Replacement Limitations. Is your roof fully covered? We explain the limitations you need to watch out for in your policy.
32:00 Flood Zones and Insurance. What's changed regarding flood zones.
37:20 Private Flood Insurance