How Does An Insurance Actually Shop for Home Insurance?

Most people shop home insurance completely wrong and don’t realize it until a claim gets denied.In Episode #49, I break down exactly how I, as an insurance agent, shop for home insurance across multiple carriers to get the best coverage, pricing, and protection.Sure you can save a few bucks with some optional coverages, but there are some really cheap optional coverages people often leave off that can result in denied claims. Things you ASSUME are covered unless you ask, or have a good agent.Here’s some super common mistakes:- Why market value ≠ insurance value (huge mistake) - The information you need to get accurately priced quotes- Why you shouldn’t use a “get a quote now” website- the 5-agent strategy (3 brokers and 2 captive agents) that’ll piss off your current insurance agent- How to compare quotes- Replacement cost vs actual cash value- Water/Sewage backup and Buried Utilities Lines Coverages- Inflation Guard and how it can silently jack up your coverage or your price- Deductible strategies to save literally thousands of dollars over the life of your home- optional coverages most people don’t know exist- Red flags that agents don’t always explainIf you’ve purchased a home in the last 10 years, there’s a chance you’re either overpaying… or dangerously undercovered.Connect with Jacob:🌐 bio.site/FinancialGingerFB: https://www.facebook.com/FinancialGingerInsta: https://www.instagram.com/financialginger/JacobInsuresUtah – Text or call for free quotes: 801-216-8444 [email protected] — Wise money choices, for peace and empowerment.Subscribe for more real-world insurance breakdowns, financial strategies, and no-BS advice. 🎤🎤 Episode #49: FinancialGinger