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: PODCAST@HERMANNLONDON.COM

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