The crew welcomes insurance agent Zach Barnes for a deep dive into homeowners insurance. They cover what really happens when you file a claim, how replacement costs and inflation protection work, and why maintaining your home matters more than most people realize.
Zach explains how to avoid costly mistakes, what endorsements and riders are worth adding, and how to handle payouts when your mortgage company is involved. The conversation also touches on roof coverage, septic systems, and the realities of insurance in coastal areas.
It’s a practical, straightforward look at what homeowners insurance actually covers, what it doesn’t, and how to make sure you’re protected when the unexpected happens.
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