Hello everyone and welcome to another

episode of Selling Greenville your

favorite real estate podcast here in

Greenville South Carolina I'm your host

as always Stan Mccune you can find all of

my contact information in the show notes

if you need a realtor in the Greenville

South Carolina area or outside the

Greenville South Carolina area I can

hook you up with Realtors all over

the country just let me know and

please if you like this show Please

Subscribe rate leave a comment kind of

review whatever whatever you could do

on whatever app you're listening or

watching this show on it's on YouTube if

you want to watch on there so please

support the show in those ways and

support the show as well by supporting

our sponsor our sponsor is Piper

Insurance Group and they're going

to be excited to find out what today's

topic is they're not paying me

anything extra for talking about

homeowners insurance but that's what we

are talking about today but Piper

Insurance Group are my go-to for Home

Auto and brella Insurance they're an

independent insurance agency so they can

quote multiple different companies and

give you the best possible rate that

they can find they're licens in South

Carolina North Carolina and Georgia so

even if you dabble outside of this area

you can you can find them I don't

know why my dog was just barking so I

apologize for that you might hear kids

in the background as well there's kids

at my house it's crazy right now but I'm

doing the best I can for you guys so

yeah Piper Insurance Group they also

help you with investment properties and

Commercial properties as well fix and

flips new construction all of that good

stuff so their information is in the

is in the contact information in the

show notes sorry my dog barking

completely messed me up here but you

can get their information in the show

notes Piper Insurance Group and after

listening to this you will for sure want

to reach out to them so please do

that and and talk to them to get a

free quote today all right so today

as I'm recording this I'm recording this

on October 7th hurricane Helen is still

very much on my mind and now we have

another hurricane Brewing in the Gulf

hurricane Milton which is rapidly

gaining strength there's already a cap

five despite having only been a cyclone

for a couple of days at this point

and thankfully it doesn't look like it's

going to impact us here in South

Carolina too much or if at all but

nonetheless all these different

hurricanes within a short really short

period of time really has my mind

thinking about what all this means for

real estate for my career in real estate

for my home buyers for my home sellers

and unfortunately it really doesn't mean

a whole lot of positives right

there's nothing positive about a

destructive storm and obviously the

the most negative thing out of it

Beyond you know obviously loss of life

loss of property for people loss of

Lifestyles for people but specifically

just from a business standpoint right I

don't want this to sound heartless but

this isn't a podcast that's about you

know

all that's going on about the local news

or anything like that so I'm not going

to if you guys want stories about what's

happening in Greenville beyond what I

talked about last week or what's

happening Western North Carolina there's

better shows better content out there

for you than this this is a real estate

podcast this is what I'm going to stay

focused on and hopefully that doesn't

sound too harsh but there are other

people out there that are that are

better content sources for what's

happening so I'm not going to talk about

that anymore I'm going to talk about the

real estate ramifications about these

storms and specifically how it

impacts homeowners insurance and

unfortunately When Storms like this

happen in our area homeowners insurance

always go up right especially if there's

multiple storms in a short period of

time that's what happens and so we can

brace for homeowners insurance for

property insurance to be increasing in

future years as a direct result of these

storms that's just the reality of the

situation now this episode might seem a

little depressing from that stando Point

because we can't control the weather

we can't control homeowners insurance

directly but if you stick around to the

end I will have some I believe very

helpful things for you guys that you

can do in order to limit the impact of

these climate and weather events on

your insurance premi so listen to the

entire episode because at the end is

where it's going to get really practical

I'm not just going to leave you guys

all depressed and heartbroken about the

situation there are some real step

steps that you can take to help yourself

out but I want to give a little bit

of background information before we we

get into the weeds on you know what's

happening with in with the what I'm

calling the homeowners insurance crisis

here in South

Carolina now before I even get into

all of that just a reminder I used to be

an insurance adjuster so I come at this

from a little bit of a different angle

than some people do I know the ins

and outs of the claims process quite

well and so so I have some real

life experience in this I'm not just

talking as a realtor with book

knowledge I have actual knowledge

real life knowledge of of how this works

I've made multiple claims myself so I've

been on that side of the equation too

where I've had to to actually make

homeowners insurance claims both on my

own property and on rental properties

and so to kind of lay the foundation now

that you guys know that I'm a reliable

source of information on this home's

insurance has been really an essential

part of real estate for many decades

but that being said in my opinion the

homeowners insurance model in our

country is completely broken and the

biggest problem for me is that

homeowners insurance has become

essentially a government mandated thing

in our country by virtue of the fact

that the primary loan products that the

vast majority of people use to purchase

their homes conventional and FHA Loans

are both functionally government

subsidized and both of these loan

products require homeowners insurance

I've talked about this briefly in the

past and at different times but we're

going to talk about this in more detail

here and what this means so essentially

the government has created artificial

demand for the homeowners insurance

Market by forcing people to purchase it

Piper Insurance Group if you're

listening I'll tell you when it's

safe to come back on obviously no

insur no insurance company or brokerage

wants to hear that but it's the reality

of the situation and I mean the good

thing for them is that it's not going to

change anytime soon and I just want

to say in case you're like in case that

comes like as a big surprise that like

oh you know I've never really thought

about it that that homeowners

insurance is is essentially subsidized

by the government or at least the demand

for it is is artificial demand that's

subsidized by the government it's not

the case in many other countries in most

other countries in the fact

even developed countries like Japan I

don't know much about their their

insurance model but I know that it's

common place in Japan for homes to be

completely bulldozed and rebuilt after a

couple of decades even in a shorter

period of time than I know people that

currently live over there or or have

lived over there and in some cases it's

like after 5 years a home will be

bulldozed and rebuilt it's crazy but

the American expectations very different

our expectation typically is that a home

will last indefinitely and that that

home will be able ble to weather

infinite storms and regardless of

construction quality and and that

idea that's just not shared with most of

the world but because here in the US we

have 30-year mortgages which is some

also something that is very very rare I

mean that is a an American phenomenon I

can tell you that the the idea of a

30-year mortgage these homes need to

last for at least 30 years right

because if they don't then Banks aren't

going to lend money for 30 years on

these homes and now they're talking

about 40e mortgages that's a terrible

idea for on multiple different levels

but

regardless this is what we are this

is the the unique situation that we find

ourselves in is because of all of these

things homeowners insurance is just a

reality that we can't get away from for

the most part here in the US and and so

this is why it has so much traction why

almost everyone has homeowners insurance

in the United States even though in

other countries they might not have

it and if they do have it as an option

it's not going to be as widespread as

here in the us but we have a few

problems with our homeowners insurance

model beyond what I've already said

about essentially being a an artificial

demand kind of situation which always

results in Supply being a problem right

whenever the government causes

artificial demand for something then it

causes Supply constraints causes prices

to go up I'm not going to get into all

of that right now I want to talk more

about meat and potatoes not not you know

abstract economic things here so

the first thing that to me is is

something that I think is really

important to kind of think about that

that probably some of you have already

thought about maybe maybe some some of

you haven't but first and foremost

having fake supply for homeowners

insurance creates what economists would

call a moral hazard by distance

incentivizing Builders to build a home

well right imagine if we didn't have

homeowners insurance if that wasn't a

thing but Banks still needed to lend

money on homes which they always will

inspections would be heavily focused on

home structure right now that's that's

really not a huge emphasis on home

inspections right they do look at the

home structure but if there's you know

nothing major if it's if it's built

according to code and all of

that it it it pass I mean there there's

people I I hate to use the word pass

because home inspections on homes

are not pass fail kind of things but

structurally most homes are are going to

pass even if they could not weather a

hurricane if we didn't have alers

insurance that would then trickle

down to building codes right this is

also a part of the thing building codes

obviously would be much stricter on

weather resistance and so the entire

process from building a home to buying a

home would be radically different and

would require better construction if we

didn't have homeowners insurance

additionally another problem is that

storms have quite frankly been getting

worse and more frequent in the Atlantic

in the and in the gulf and and in other

places as well but but those are the the

two oceans that are are the most

important for the purposes of South

Carolina so that's what I'm going to be

focused on here and I'm not going

to speculate on why storms are getting

worse and more frequent because that

will open me up to controversy that I'm

quite frankly not in the mood to discuss

on here because I'm already arguing

with people on on Facebook about

whether these storms were manufactured

by the US government which I think is

insane that some people believe that but

that's neither here nor there I just

opened myself up to controver to to

controversy regardless so I'm not going

to open myself up to more but just

understand that regardless of the why

storms are more of a problem now than

they were 40 or 50 years ago and there's

oodles and oodles of data to demonstrate

that and it's not manufactur data it is

just data okay the books are not being

cooked on this to for some climate

agenda purpose I promise you guys it is

real it is happening and you can just

look up the frequency of name storms and

you'll see that things have gotten

worse in many different ways now here's

a a wrinkle that some of you may not

know property insurance companies have

insurance on themselves known as

reinsurance and often what happens is

reinsurance rates go up causing then the

actual homeowners insurance rates to

increase in kind as well right because

the the insurance companies have to make

money so if they're spending all this

money reinsuring themselves they have to

recoup that in one way or another well

guess what happened this year according

to the publication reu reuter

Reuters some areas that had a lot of

natural disasters saw reinsurance

increase in 2024 by 50% right on January

1st some homeowners insurance companies

in in some areas of the country saw

their reinsurance rates go up on January

1st by

50% whereas areas that weren't

impacted by Major weather events saw

little or no increase okay so that

increase was in the areas specifically

they had a lot of natural disasters

areas without the the natural disasters

did not see these sorts of increases

so long story short homeowners insurance

costs are going up in areas like South

Carolina that see more natural disasters

right because we've got a lot of

Coastline we have hurricanes and

tropical storms and whatnot the

occasional tornado things of that nature

so Insurance costs in the Southeast

region as a whole have been going up

faster than much of the US really any

Coast areas are seeing that and I

actually have some some stats on this

that I think are going to be interesting

for you guys let me find it for those of

you on YouTube that you can actually

follow along here

the average hold on I apologize for

this I'm going

to screen share so again if you're on

YouTube you can see

this if only it were very simple to do

this it actually is quite simple to do

this but I'm my brain is just not firing

all right here we go

I'm showing a a chart that shows

the change in average property insurance

payment since 2019 all right so here's

what has happened the average monthly

insurance payment is up 52% on average

in the United States up 52% since the

start of 2020 with increases in some

higher risk areas as high as

90% over that same period so if you're

looking at this you can see Deltona

Florida 90% increase since the

beginning of 2020 massive increase now

if you're if you're looking at this none

of the top cities that are listed here

are in South Carolina so that's really

really fantastic news we've got Florida

we've got Louisiana we have Utah

interestingly we have Idaho

interestingly I've Got a Theory on

why Boise city is on here we've got

Colorado couple cities there Texas

Arizona several in California

Washington Oregon Nebraska and and

that that's pretty much it I might have

missed one or two but for the most

part this is heavily concentrated with

Florida and California and and with a

a little bit of like Arizona and Utah

sprinkled in there those are the main

states

that are that have seen increases in

recent

years now while insurance premis

these increases that that are happening

are due in part to higher home prices

okay and this is I reference Boise City

this is what's happening in Boise city

right home prices soore during the

pandemic a lot of people flocked there

Idaho is a beautiful state my

understanding and so a lot of people

went there for cheaper homes well guess

what as soon as all those people went

there the homes got expensive again and

when homes get expensive home owners

insurance has to go up why because the

lenders again they want the insurance

to cover the entirety of the mortgage

and which is obviously a great idea

you don't want to have your home

destroyed and then you have to pay

out of pocket to have it rebuilt when

you already had insurance on it and so

so this is what's happening as the as

homeowner as home costs go up homeowners

insurance has to also go up because

they're having to cover a higher amount

so it's a double whammy on housing

affordability unfortunately and

that being said

however it's not these increases aren't

entirely due to the fact that home

prices have been going up a lot over the

past few years because also the cost of

homeowners insurance per $11,000 of

coverage has also been rising as

well I'm going to to

unshare this

and I'm going to share something

else I don't think I shared the right

thing I'm GNA try this one more

time okay I I zoom is acting really

weird for me I've record this currently

on zoom and it's acting really strange

but hopefully you guys can can

actually see what I want you to see

because because it's not working on

my end the way I'm hoping it will but

I'm looking at the average annual

insurance premi per $1,000 of coverage

and as you can see here the annual

insurance premi per $1,000 in coverage

has risen from an average of

$465 from 2013 to 2022 up to

$538 or

$528 rather in 2024 and

specifically in July of 2024 and

that's up 12% % 57 cents over the past

19 months so so we're seeing some big

increases what does that mean for you

know for every $11,000 of insurance

coverage you're paying

$528 and so you know if it's if you

have $100,000 in homeowners insurance

coverage that cost you

$538 per year as opposed to back in3 it

would have cost you

$475 per year and actually if you're if

you're looking at on YouTube you'll

notice that the it actually had a

little stretch up to 2019 where the

premis were going down it actually

went all the way down to

$454 per 1,000 between 2018 and 2019

and then since then it has been on the

rise so what is going on here well this

is exactly what I was saying before is

that When Storms Come Around when we

have heavy storm years those premis

can go up they can go back down okay

this is a segment of the economy where

there can be deflationary pressures that

happen and that don't cause major

problems right deflation this is

counterintuitive right deflation is

typically a problem when prices go down

that that typically cripples our economy

and this is why you know as inflation

slows we're not talking about prices

going down generally speaking we're

talking about the rate of increase

slowing down down on on how quickly

prices are going up but typically in

most situations when prices actually do

go down when something cost $100 you

know a year ago now cost $90 typically

that's a a bad thing not going to get

into all the economics of that most of

my listeners know what I'm talking about

in the case of homeowners insurance

it's not a bad thing it doesn't it

doesn't hurt anyone it just means that

the marketplace is getting competitive

it means that homeowners insurance

companies are having to compete with

each other by lowering their rates

because they haven't had to pay out as

many

claims now my understanding is that

in New Orleans which is obviously been

obviously a major city in an area that

frequently gets hit by Major hurricanes

and Miami which is also in a similar

boat not quite as imperil as New

Orleans but Miami gets hit with plenty

of hurricanes as well property

insurance is roughly $17 per $1,000 in

coverage more than three times the US

average and obviously higher costs

also extend beyond hurricane zones into

tornado and hail wrists of central of

the Central States this is why you

know before we saw a heavy contingent

of Texas even Inland Texas like Dallas

was on the list parts of Colorado

this is because of hail and tornadoes

primarily now on average in case

you're you're wondering insurance

premis account for 99.4% of the of

monthly mortgage payments that's up from

less than 7.7% between 2013 to 2020

hitting their highest share on record

this year with that 99.4% number so if

you're paying you know again I'll

just throw out the number

$1,000 towards your mortgage every

month which would be a very low Mortgage

in today's environment 99.4% of that

which I believe would be

$94 if my math is correct is going

towards your homeowners insurance and

so that's a lot right 94 out of out of

$1,000 99.4% not great we don't want

that to happen so it it's going up is

what I'm saying and it's not just due to

prices of homes going up and it's

also worth noting that property

insurance coverage amounts are typically

based on replacement cost rather than

the total underlying value of a home I

alluded to this earlier but I want to

hammer this home because this is also an

important data point

here if you own a $500,000 home but you

bought it for

$300,000 then your insurance premi

might be based on the more closely to

the $300,000 number than the $500,000

number right because your your mortgage

which is going to be based on $300,000

number is going to to be the one

dictating more so the amount of your

coverage now you can ask for more

coverage but usually insurance

companies are going to they're going to

run

their their system that determines

okay what would it actually cost to

rebuild this home and they're going to

say well it's still only going to cost

you $350,000 to rebuild this home we

might be able to add a little bit onto

that but we we can't cover you for the

entire value of the home right home

owners insurance is not intended to

cover your home value it's intended to

cover the the cost of rebuilding your

home well as of

2015 the on average homeowners

insurance premis or or home owners

insurance coverage covered over 100% of

home values and today that's down to 88%

so it's a problem right if you if your

home gets decimated by a storm you

should and you have insurance on it you

should have the capability of rebuilding

it but what if you're like you know what

I have I have other options I don't want

to rebuild it I just want to take my

money and just move on and we'll just

leave an empty lot behind where that

home was well you're not going to get

the full value of your home you it would

make more sense to rebuild it and then

sell it which is kind of clunky now

the Ser lining here out of all this cuz

I know this is depressing is that

South Carolina has not historically been

hit by natural disasters and major

Insurance increases to the extent of

some of these other states as I've

already alluded to and and and so

I take Solus in that right in

particularly Greenville again as I said

last week the hurricane Helen event

very very rare for us to have a storm

like that that hits with such ferocity

so far inland and it was just a

strange Confluence of events that caused

that but I promise that you guys I

promise you guys that I would give you

some practical things so I want to go

through seven things seven ways that you

can help to keep your in your

homeowners and property insurance costs

down you can't control the weather you

can't control what insurance carriers

are doing but you can control things

specific to your home and specific to

your policy because at the end of the

day even if we have great weather

right generally speaking if you're

making a bunch of homeowners insurance

claims your homeowners insurance premi

is going to go up it's going to go up

and some of the worst ways that or

some of the worst claims from the

standpoint of your homeowners going up

are unrelated to weather for instance

liability or theft people breaking

into your home things of that nature or

people get injured and they sue you

those can really cause your home owners

insurance to Skyrocket so you have to

be careful and and keep those things

in mind not everything that is related

to your homeowners insurance is related

to the weather but weather plays a

massive role so here are seven things

that you can do to to help to make sure

that you are keeping your insurance

premi to a minim as much as possible

first and foremost as I've already

said you need to contact Piper Insurance

Group not getting paid double to mention

this but but you need to you need to

get a

get quotes right don't just asse that

your insurance coverage is the best

coverage that's out there or the

cheapest coverage that's out there get

quotes talk to multiple people see what

is out there make sure that you're not

getting make sure that your your

current carrier isn't getting lazy and

just raising rates on you without being

competitive I can't tell you how many

people I know that have gotten those

quotes and realized I can save a ton of

money so please please don't get

I mean it doesn't take that it's not

that involved it's really really easy to

to check on something like this and

again I'm not just saying this because I

have an insurance sponsor I'm not doing

any of this because of that I'm

literally that is when I when I was

thinking about what are the top things I

would tell people to do that was the

number one thing that popped into my

head and and I would have said that

regardless of our sponsor so please

understand that number two don't make

frivolous homeowners insurance claims

and by frivolous I mean a claim that

you could pay out of pocket or that you

could live without or that you could fix

yourself if you can avoid an

insurance claim pay out of pocket fix

yourself etc etc odds are you will save

money in the long run even if you have

to pay money in order to make the

repairs for instance if you have some

siding blown off and it would cost you

$2,000 to fix $2,000 to fix it do not

call your insurance company about that

unless you absolutely don't have the

money to pay for it out of pocket

even when you move by the way your

record of insurance claims stays with

you so you can't escape it right if

you've made a bunch of claims if you

made expensive claims that's going to

show up on your record if you have to

do it but if you don't have to it's

best not to do it now none of this is

legal advice by the way so if you have a

legal situation please contact an

attorney I'm I don't give legal

advice I'm not allowed to it's a felony

in South Carolina for a non attorney to

give legal advice so I'm not doing that

so missed me with that number

three consider a higher deductible right

A lot of people have a $1,000

deductible but there are other

options you can go up on that if you if

you don't think you're going to be

making a claim or perhaps you you are of

the mindset I'm only going to make a

claim if it's really expensive then you

might be a good candidate for a higher

deductible talk to your insurance

agent or to Piper Insurance Group about

that to see what your options are I

personally for my rental property

properties I do a percent deductible on

those why do I do that I do that

because I'm not planning on making a

claim unless it's a really big loss so I

do a 1% deductible basically 1% of the

replacement cost value of my home that's

going to be my deductible so if it's

a you know if if it's a very

expensive home obviously then that

deductible is going to be very very

expensive because it'll be 1% of the

replacement cost so just keep that in

mind but that's a way if you go up on

your deductible then your premi will

come down and that's a that's a really

nice perk and something to consider

number four take proactive measures

there's a lot of things that you can do

to be proactive in order to to make

sure that you that you're

insulating yourself from potential

insurance claims specifically on the

exterior of your home so for instance

trim back or cut back trees that are

close to your house not only are trees

close to your house a risk of falling on

your

home U either the tree itself or just

limbs from the tree but trees over your

home also can trap moisture and they can

cause fungus to grow on the roof which

then compromises the structural

Integrity of the roof also potentially

compromises the insurability of the roof

you know if your homeowner's

insurance comes out if you if an

adjuster comes out and sees fungus all

over your roof they're going to report

that and you could have a claimed denied

on the basis of that so be careful with

that what if your neighbor has a tree

and and that tree is a risk to your home

ask them to address it ask them to cut

it down trim it back whatever you think

needs to happen and if they won't do it

send them a certified letter stating

your concern and what you are requesting

for them to do about it if you docent

your steps properly and damages cause to

your home from their tree they could be

deemed it fault but if you don't do that

it's your fault I I know I know it's not

fair but anything that is blown into

your home is your fault it doesn't

matter where that thing came from and

and I shouldn't say it's your fault but

it is it is your responsibility I'll

say it that way it is your

responsibility and your homeowners

insurance will cover it but then they

will ding you for it if you have a

neighbor that you feel like is at fault

for this unless you have taken proactive

steps and can prove that you've done it

your homeowners insurance is going to

put the responsibility on you but if

you're able to prove that you that you

have made effort reasonable effort to

have your neighbor take care of their

problem and that it was an actual

problem then you can provide that

that proof and your homeowners insurance

may be able to make a claim against your

neighbor another thing on here

another proactive measure make sure your

gutters are working properly during a

big rain like go out there on an

brella and and look at your gutters

see are there any that are doing weird

things that are aren't sealed properly

down spouts not connected properly

overflowing etc etc that can cause

water damage in your house which

probably isn't going to be covered by

your homeowners insurance and you

don't want damage coming into your house

regardless but certainly not damage that

is completely uninsurable so check on

that those are a few helpful tips for

that number five avoid flood zones

especially since flooding isn't covered

by home owners insurance I you know this

is something that this is a very simple

thing and and obviously if you're in a

flood zone don't freak out don't freak

out it's okay it's going to be okay

if you've already survived Helen you're

going to be fine most likely but

if you're if you're out house shopping

my recommendation as a realtor is that

you avoid flood zones flooding is not

covered by homeowners insurance it's

covered by flood insurance separate

policy and flood insurance is just

another cost and it's very expensive

and and and it's devastating to lose

things to a flood right if you have

shingles blown off your roof that's one

thing but if you have you know old

family photos destroyed by flooding or

or who knows what that's that can be

devastating so my recommendation to

most people is to avoid flood zones

number six if you're doing an exterior

renovation do not cut Corners okay do

not cut Corners people love to cut

corners on the exterior of their home

because it is just aesthetic but it's

not just aesthetic it is functional get

a nice roof don't get the cheapest roof

don't get one of those cheap 20-year

comp composition shingles don't do it

they're bad they're susceptible to

everything every possible loss that's

out there or every possible risk

that's out there don't do it get

durable siding don't just get the

cheapest vinyl s and get something

durable and use good contractors don't

skimp on the contractors you want people

that are actually going to install these

things properly when I used to be an

insurance adjuster I can't adjuster I

can't tell you how many claims would

have never happened had the claimant

just used good materials and good

contractors when when the house was

renovated or built or whatever A lot of

it is just poor quality it's not

designed to stand up against high winds

or or against hail or some of these

other things but there are materials

out there that that can with stand

obviously you

know 75 mph winds 100 m per hour wins

not everything is going to withstand

that I'm not suggesting that but

there are and and trees falling on your

home obviously you can't control that

in terms of like just having great

materials but there are things that

you can do to prevent frivolous

losses and this is one of them if you're

already paying money to to renovate

the exterior of your home do it the

right way do it the right way the first

time last number seven here

if you have a crwl space or a basement

make sure moisture levels are where they

need to be down there you can get this

inspected for like a 100 bucks if you

want to self-inspect and you know see

if moisture levels are below 20% down

there go ahead and do it don't do it

right after a rain moisture levels are

going to be crazy do it you know when

you had a rain maybe a week or two ago

that's that's a good a good metric

for seeing okay how is this crawl space

how is this basement airing out and

if it's not take take measures the

inspector if you if you pay for an

inspector they can tell you what they

recommend you might need a vapor barrier

you might need a dehumidifier you might

need all sorts of things who knows it

it every situation is unique but

those are things that you can do because

you start getting high moisture in there

that's going to potentially cause

mold growth which is not going to be

covered by your homeowners insurance

that can cause flooding down the road

which again is not going to be covered

by your homeowners insurance cause

structural damage from all of these

things also not going to be covered so

there's all sorts of reasons why you

want to do that but if you make a

claim your homeowners insurance findes

that you haven't that you've got all

sorts of mold in your crawl space you

could end up becoming uninsurable and

that's like the worst case scenario

right because I've already said you must

have many many Americans must have

homeowners insurance because of their

lender and other reasons it's

generally speaking a good idea to have

homers Insurance and so those are

some some very practical things

hopefully for you guys to make you feel

like okay it's not completely out of my

control there are some things I can do

that are well within my control in order

to ensure that my homeowners

insurance premi doesn't just

completely spiral out of control so I

hope that's helpful for you guys if

you have any questions let me know my

contact information is in the show notes

Piper Insurance contact information in

the show show notes they can discuss

this with you in detail from the

perspective of your premi deductible

all of that kind of stuff so please call

them for a free quote today and

just a reminder of course please like

rate review subscribe all those good

things for the show and we will talk

again next time by