Homeowners Insurance & Rising Premiums | The Growth Zone | December 2025 скачать в хорошем качестве

Homeowners Insurance & Rising Premiums | The Growth Zone | December 2025

In today’s Growth Zone call, Jeff Lagoni brought together industry experts to unpack one of the biggest issues homeowners are facing right now: insurance premiums increasing faster than ever. Whether you’re a homeowner, investor, realtor, or loan officer, this conversation is packed with practical insight you can use immediately. Here’s what we covered: 📈 Why insurance rates have gone up so dramatically over the last few years — from inflation and material costs to tightening underwriting standards. 🏡 How rising premiums impact DTI and mortgage approvals, and why buyers need to begin the insurance process early. 🔁 What homeowners can do to mitigate higher premiums, including shopping policies, reviewing coverage levels, understanding deductibles, and avoiding stripped-down policies that leave major gaps. 🛠️ Common issues inspectors flag (roof age, wiring, sidewalks, gutters, foundation cracks) — and why these can lead to policy cancellations or premium spikes. ⚠️ Liability coverage & umbrella policies — why lawsuits are bigger than ever, and how to protect yourself, your rentals, and your business. 📊 Tools LMG uses to help clients proactively, including HomeIQ reports that create ongoing conversations around equity, refi opportunities, and financial strategy. The message was clear: Being proactive with your insurance review can save you money, protect you from gaps in coverage, and prevent delays at closing. If you have questions about your mortgage, refinancing, investment strategies, or how insurance changes may impact your next move — reach out to LMG anytime. We’re here to help you navigate the numbers with confidence. Jeff Lagoni, NMLS# 140105 🔝1% Loan Officer 💵 Educating on the things we didn’t learn in school! Lagoni Mortgage Group Powered by Stockton Mortgage NMLS# 8259 Equal Housing Lender https://www.nmlsconsumeraccess.org/