{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"RE: Real Estate Podcast","title":"Ep6-Buyers: Insurance Requirements","html":"","width":"100%","height":180,"duration":1188,"description":"Summary\nIn this conversation, Ben Harang and Clint C. Galliano discuss the importance of homeowners insurance, the nuances of flood insurance, and the different types of insurance available for investment properties. They emphasize the necessity of having insurance for both personal and investment properties, the implications of living in flood zones, and the potential pitfalls of forced-placed insurance. The discussion aims to provide clarity on insurance requirements and options for homeowners and investors alike.\nTakeaways\n• You need homeowners insurance to secure a loan.\n• Insurance rates are moderating after significant increases.\n• Homeowners insurance can cover liability and personal belongings.\n• Flood insurance is often misunderstood; all areas are flood zones.\n• Investment properties require different insurance policies than owner-occupied homes.\n• Vacant property insurance is significantly more expensive than homeowners insurance.\n• Forced-placed insurance protects the lender, not the homeowner.\n• It's crucial to shop around for the best insurance rates.\n• Insurance premiums are influenced by credit scores and property location.\n• Understanding insurance options can save homeowners money. \nSound Bites\n\"The increases have definitely moderated.\"\n\"Everywhere is a flood zone.\"\n\"Keep your homeowners policy on the house.\"\nChapters\n00:00 Teaser\n00:08 Intro\n00:22 Welcome\n01:06 Introduction to Insurance for Homes\n11:02 Understanding Flood Insurance\n14:05 Insurance for Investment Properties\n19:31 Disclaimer\nHosts \nBen Harang, REALTOR® La. \nLicense #: 36589 \nKeller Williams Realty Bayou Partners \nMobile: 985.859.2500 \nOffice: 985.262.4400 \nben@benharang.com \nbenharang.com \nClint C. Galliano, REALTOR® \nLa. License #: 995704723 \nKeller Williams Realty Bayou Partners \nMobile: 985.647.4479 \nOffice: 985.262.4400 \nclint.galliano@kw.com \nclintcgallianorealtor.com \nProduced by Clint Galliano \nMusic by Wiggins Studios","thumbnail_url":"https://img.transistorcdn.com/No9eufPQfJ-gv1wSG-sdTgEYsdkKimgOhjMA3k0fuXk/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS85YTAw/NjI1ZDQ0NTg5OTFl/NGM5YzQ5NGU2MTQ2/YzMwNy5wbmc.webp","thumbnail_width":300,"thumbnail_height":300}