{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Insurance Gone Wild","title":"The Insurance Loophole Most Property Investors Miss ","html":"<iframe width=\"100%\" height=\"180\" frameborder=\"no\" scrolling=\"no\" seamless src=\"https://share.transistor.fm/e/70d1c610\"></iframe>","width":"100%","height":180,"duration":2182,"description":"You set up the LLC.You bought the rental property.You got insurance.So you’re protected… right?Maybe not.In this episode of Insurance Gone Wild, Dennis and Stephanie welcome investment property insurance specialist Todd Burnell to break down one of the biggest mistakes real estate investors make:👉 Your insurance policy might not actually match your property ownership.And if the deed, LLC, and policy aren’t structured correctly?A lawsuit could expose way more than just the property.Todd explains:Why the phrase “the policy should follow the deed” mattersHow improperly structured LLCs can destroy your liability protectionThe difference between short-term and long-term rental risksWhy some major insurance carriers can’t properly insure LLC-owned homesHow investors are saving thousands by restructuring their coverageAnd why bundling multiple rental homes under one commercial policy can completely change the gameThe episode also dives into vacant property risks, renovations, water damage exclusions, umbrella policies, and how lowering insurance costs can actually help investors scale faster.If you own investment property—or plan to—this is the kind of episode you listen to before something goes wrong.⏱️ Chapters00:00 – Welcome Back & Meet Todd Burnell00:02:04 – The Insurance Problems Property Investors Don’t See00:07:48 – “What’s the Name of the LLC?”00:10:30 – Why the Policy MUST Match the Deed00:14:21 – Property Damage vs. Lawsuit Exposure00:18:01 – How LLCs Actually Protect Your Assets00:21:44 – Short-Term Rentals = Bigger Risks00:24:25 – The One Policy Strategy Saving Investors Thousands00:26:35 – Renovations, Vacant Homes & Coverage Gaps00:29:15 – The Hidden Risk After 60 Days Vacant00:30:29 – The 80% Coverage Strategy Explained00:31:47 – Lower Premiums Can Help You Scale Faster00:35:21 – Final Advice for Property Investors & Landlords","thumbnail_url":"https://img.transistorcdn.com/vi4G_3tYFs-X2hkEEOHSUMbdlx_BWTsLgAENq_NZuJ4/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9hMTBk/NDZmZGI5ZjBjMGUy/M2RhNGViNjU3NGFk/ZDJhNS5wbmc.webp","thumbnail_width":300,"thumbnail_height":300}