Episode Description
In this episode, I sit down with Michael Gardner, a licensed insurance agent with Allstate and over 14 years of industry experience, to unpack one of the most misunderstood — and most dangerous — blind spots in homeownership: insurance coverage.
Most homeowners assume they’re protected… until something actually goes wrong. We talk through why so many policies quietly fall short, what “replacement cost” really means in real-world rebuilds, and how remodels, ADUs, and upgrades can weaken coverage without homeowners realizing it. We also break down common mistakes, hidden exclusions, and the questions every homeowner should be asking their insurance agent right now.
This conversation isn’t about fear — it’s about clarity. When you understand how insurance, construction costs, and rebuilding truly intersect, you’re far better equipped to protect your home and your long-term financial stability.
👉 If you’re planning a remodel, rebuild, or ADU, start with the right foundation. Learn more here: