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Real Estate Conversations Ep 3 with Stephen Skomp Buying a home is one of the biggest financial decisions you'll ever make, but most homeowners don't fully understand how their insurance actually works. In this conversation, Houston real estate strategist Lina Monteverde sits down with Steven Scump from Turnkey Insurance to break down the most common misconceptions about home insurance that homeowners and real estate investors make. We cover the questions that almost every property owner eventually asks: • Why is my home insured for less than what I paid for it? • What is the difference between flood damage and water damage? • What actually happens when you submit an insurance claim? • How does renting your property affect your insurance coverage? • Why roof age and property details matter more than people realize If you own a home, plan to buy one, or invest in duplexes, triplexes, or rental property, this conversation will help you better understand how to protect your investment. Understanding your coverage today can save you from expensive surprises later.