Ep. 34 Homeowners Insurance with Tony Berra

St. Louis Realtor Podcast

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: [e-mail]

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