The Insurance Mistake Every Homeowner Makes скачать в хорошем качестве

The Insurance Mistake Every Homeowner Makes

In this episode, we break down what most homeowners and buyers misunderstand about insurance and why getting it wrong can quietly cost you far more than you realize. I sit down with Nik Champion, founder of Champion Insurance, for a candid conversation that connects the mortgage and insurance sides of homeownership. We talk about how insurance decisions are often made quickly, based on price alone, and why that approach creates risk most people do not see until it is too late. This is a real conversation between an insurance agency owner and a mortgage lender about how insurance actually works, how it impacts your home, your finances, and your peace of mind, and what consumers should understand before they buy or renew a policy. Whether you are buying your first home, refinancing, or simply trying to make sure you are properly protected, this episode offers clarity without fear or pressure. What You’ll Learn in This Episode: • The most common insurance mistakes homeowners make • Why cheaper insurance can cost you more when it matters • How deductibles really work and why many people misunderstand them • What coverage actually protects your home versus what sounds good on paper • How insurance and mortgages work together during a purchase or refinance • Why claims, storms, and rising costs are driving premiums higher • How to think about insurance as part of a long term plan, not a yearly chore Why This Conversation Matters: Many people only look at insurance once a year and focus on the monthly payment. We explain why that mindset leads to surprises during claims, renewals, or major life events and how to approach insurance with more clarity and confidence. About Nik Champion: Nik is the founder of Champion Insurance, an Allstate agency based in Geneva, Illinois. Since starting his agency in 2017, he has built an 18 person team focused on education, customer experience, and helping homeowners understand what they are actually covered for. His approach emphasizes clarity over complexity and long term relationships over quick quotes. champion@allstate.com https://agents.allstate.com/champion-...   / nikchampion     / championallstate   https://www.instagram.com/champion.in... This episode is about understanding risk before it becomes a problem and making confident decisions without being overwhelmed. 📺 Featured Rate of Success Episodes to Watch Next: • What Most Buyers Get Wrong About Homeownership • The Hidden Costs That Catch Homeowners Off Guard Subscribe for more conversations that simplify complex decisions and help you protect what matters most.