Understanding Rising Insurance Costs - with Susan and guest-Jason Means

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Today, we have a special guest, Jason Means from Perfect Policy Insurance. Jason is here to shed light on the rising costs of homeowners insurance and provide valuable insights into the world of insurance.
In this episode, Jason explains the difference between traditional insurance companies and independent agencies like Perfect Policy. He highlights the benefits of working with an independent agency, which can shop around for the best policies from multiple carriers, ensuring you get the best coverage at the best price. Jason's expertise in the insurance industry spans over 20 years, and he shares his journey from the software industry to becoming a licensed insurance agent.
We dive deep into the factors driving up insurance costs, including the significant impact of reinsurance costs, which have skyrocketed due to recent storms. Jason also discusses how different companies specialize in various types of policies, such as coastal versus inland, and how they assess risks based on factors like the age of the house, the type of construction, and the homeowner's credit score.
Listeners will gain a better understanding of why it's essential to shop around for insurance and not just stick with the same carrier for years. Jason emphasizes the importance of finding the right fit between the policyholder and the insurance company, likening it to a matchmaking process. He also touches on the challenges of multi-state licensing and the varying regulations across states.
Join us for an enlightening conversation that will help you make informed decisions about your homeowners insurance. Whether you're a first-time homebuyer or a seasoned homeowner, this episode is packed with practical advice and insider tips to navigate the complex world of insurance. Grab your coffee and tune in to Coffee with Real Estate for an engaging and informative discussion with Jason Means from Perfect Policy Insurance.