Скачать или смотреть How Smart Homeowners Choose the Right Insurance (with Expert Dan Luigs)

Homeowners insurance costs are rising fast, and choosing the right coverage has never been more important. In this episode, insurance expert Dan Luigs breaks down how smart homeowners protect their property, lower risk, and avoid costly insurance mistakes.

If you’ve been hit with higher premiums or you’re buying a home soon, this episode explains why insurance rates have spiked, what factors impact your pricing, and how to make sure your home is fully protected without wasting money.

In this episode, you’ll learn:
✅ Why home insurance premiums are skyrocketing
✅ The truth about roofs, weather damage, and insurance payouts
✅ What most homeowners misunderstand about coverage
✅ How to get better rates without reducing protection
✅ Dan’s expert tips for choosing the right insurance company
✅ When to review your policy — and what red flags to watch for

Whether you’re a first-time buyer, a long-term homeowner, or a real estate investor, this conversation will help you make smarter, more confident insurance decisions.

Timestamps
00:00 Introduction & Question of the Day: How Do Smart Homeowners Choose the Right Insurance?
00:00:42 How to Select an Insurance Policy (Beyond Just the Premium)
00:01:22 Why Homeowners Insurance Prices Have Skyrocketed in Two Years
00:03:04 The TRUTH: Are Insurance Companies Losing Money?
00:03:30 Reason 1: The Escalation of Natural Disasters & Weather Events
00:05:15 Reason 2: The Impact of Inflation on Labor and Material Costs
00:07:15 Good News: Premiums are Starting to Come Down
00:09:21 What to Do When a High Quote Threatens to Kill Your Deal
00:10:25 The Shift: Why Insurance Companies Now Replace Your Roof Sooner
00:13:36 Concessions: How to Lower Your Outrageous Insurance Premium
00:16:31 The Critical Importance of Bundling Home and Auto Insurance
00:17:37 The Best Policy Types: What are HO3 and HO5 Coverages?
00:18:48 Tip: When to Call Your Broker to Get Repriced
00:20:51 Insurance Can Flag Hidden Damage: Siding Story
00:25:56 Final Takeaways & Contact Information

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🔗 Your home is your biggest asset.
Track its value and build your wealth for FREE.: ⁠https://hmbt.co/HZmjRn⁠

💡 Thinking about making a move? We're here to help you get in position and make the most of this opportunity. To get a personalized game plan for your specific situation, reach out to us.
Click here to schedule a consultation: 🔗 ⁠https://forms.gle/9Q2G3a2t7PZnYqMR8⁠

Contact Info:
Dan Luigs
Insurance Store Inc.
📞 (314) 503-0964
📧 [email protected]
🔗 https://www.insurancestoreinc.com

Angela Dillmon
The Dillmon Group of Keller Williams Realty Chesterfield
📞 (314) 277-7713
📧 [email protected]
🔗 ⁠https://adillmon.kw.com/⁠

Glen Calvin
Guild Mortgage
Branch Manager | NMLS #742330
📞 (314) 249-2861
📧 [email protected]
🔗 ⁠https://branches.guildmortgage.com/mo...

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