S2 EP11 - Shop Home And Auto Insurance Without The Hassle

We break down why so many people feel like their home and auto insurance keeps climbing and what can actually be done about it. We talk with independent agent Micah LaBorde about how shopping works, why “bundle and save” is not a rule, and the policy details that can protect you from big surprise costs.

• Texas homeowners insurance rates vary by region and carrier 
• Auto insurance pricing depends on which carriers want new business
• Review renewals at least annually to catch creeping increases
• Know when a 5% to 15% jump is worth shopping
• Debunking bundling as an automatic money saver
• Debunking “loyalty discounts” as a reason to never switch
• The value of an independent agency with access to many carriers
• Tailoring coverage by need including liability limits and exclusions
• Common gaps like water endorsements and uninsured motorist coverage
• Roof settlement differences such as replacement cost versus ACV
• Replacement cost estimates versus market value and Zillow pricing

Micah LaBorde
micah@victory-insurance.com
victory-insurance.com
512-630-6978