Ep. 34 Homeowners Insurance with Tony Berra

In this episode, Realtor Adam Kruse and Realtor Shannon St. Pierre talk to Tony Berra from Liberty Mutual about homeowners insurance. Find out what actually determines your premiums.    Email Questions To: [email protected] Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/ Shannon St. Pierre https://hermannlondon.com/realtor/shannon-st-pierre/ Insurance Agent Tony Berra https://www.libertymutual.com/anthonyberra ITUNES-http://goo.gl/rs1q9X Blog-https://hermannlondon.com/podcasts/ Producer - Joey Vosevich Theme Song by Trastornobeats 3:40 What is personal property 4:04 Can you customize your coverage and is there a range 5:19 Insuring for the cost of rebuilding 5:30 Can the city make you rebuild 6:30 Rebuilding up to code on a house that was grandfathered in 7:20 Who takes over a property if the owners take the money and run 8:40 How much homeowners insurance do you need 9:50 Flood and earthquake insurance 11:57 Not all insurance companies offer earthquake 12:50 What homes are the most expensive to get earthquake insurance on 15:30 Not getting dinged on a zero dollar payout 17:00 After 11-12 years the roof's value starts depreciating 18:00 There is no penalty if the inspectors don't find anything wrong 19:27 What really effects premiums 21:50 What can lower your premiums 22:40 Liberty Mutual has an agreement with the National Association of Realtors 23:30 What's the discount on having a security system 23:40 How does a pool effect premiums 24:55 Criminals have sued because they were injured 25:21 Get an umbrella policy if you have a pool 25:29 Replacing knob and tube wiring 28:00 Lying about insurance is stupid 29:25 Bars on windows 31:13 Everything is pointed on an insurance score 32:33 Trampolines 33:13 Financial hardship discounts in Missouri 34:30 Recalculating the quote for a better rate 37:10 A neighbor's tree fell on my property 38:10 A neighbor's house catches on fire 39:00 Who gets the money first in a lawsuit 40:00 A sewer backup is in your control and you may need water backup coverage 41:30 Insuring vacant houses 43:00 Covering and inventorying jewelry, furs, and electronics 44:00 Home Gallery smartphone app 46:30 Is there a simple formula to estimate insurance