TBT: The Truth about Property Insurance

Passive Real Estate Investing

Real Estate Investing with Marco Santarelli, Investor and Entrepreneur.

Business:investing, Education, Entrepreneurship, How To, Investing, Business

4.8 • 953 Ratings

🗓️ 15 May 2025

⏱️ 52 minutes

🔗️ Recording | iTunes | RSS

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Summary

Today we're tackling one of the most common sources of confusion for real estate investors: property insurance. From figuring out where to get coverage to understanding how much you really need and what kind of deductible makes sense, the world of insurance can feel like a maze. We dig into the details of what makes a good policy, how to make sense of what's covered, and how to compare options without getting overwhelmed. If insurance has ever felt like an afterthought or a mystery, this episode will give you the clarity and confidence to make smarter decisions for your investments. Throwback Thursday Episode (The episode originally took place in the year 2015) This episode is part of our Throwback Series and may include references to older content such as webclasses, events, promotions, or links that are no longer active or available. While the conversation and insights still hold value, please note that some information may be outdated. Click Here for the Show Notes If you missed our last episode, be sure to listen to From Crisis to Opportunity: A Deep Dive with Richard Duncan Download your FREE copy of: The Ultimate Guide to Passive Real Estate Investing. See our available Turnkey Cash-Flow Rental Properties.

Transcript

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0:00.0	Welcome to passive real estate investing, the show where busy people like you learn how to build
0:05.7	substantial passive income while creating wealth for the long term. And now, here's your host, Marco
0:11.7	Santorelli. Hello, my friends. Welcome back to passive real estate investing, where we dive into the
0:18.0	world of real estate investing, among other related topics, to help you with your
0:21.6	real estate investing journey. Today, we're doing something a little different. We're going to take
0:27.3	a trip down memory lane and showcase an important episode from the past on what we call our
0:32.3	throwback Thursday episode. Now, whether you've been with us since the beginning, which goes back to 2015,
0:38.8	or you're tuning in for the first time, this episode is a must listen. We are revisiting one of our
0:45.5	more popular episodes from the past. And believe me, what we discussed back then, whether it's
0:51.1	six months ago or six years ago, is just as relevant today. So sit back,
0:56.6	relax, and let's rewind the clock for this great episode. Enjoy. And on today's show, we're going
1:02.8	to talk about the truth about property insurance. We get a lot of questions from investors about
1:08.6	where to get insurance, how much insurance, how high
1:11.9	their deductible should be, what's covered. And then there's the always confusing question about
1:17.5	replacement cost versus actual cash value, which seems to be debated in perpetuity online in
1:25.4	real estate forums. So I wanted to bring my insurance agent on, a guy named
1:30.2	Joshua in Missouri, where I'm buying properties right now. And I asked him a bunch of questions about
1:36.7	property insurance, what's the proper coverage, how to compare different policies, how much
1:42.0	deductible is enough, et cetera, et cetera. And it's really not as
1:46.8	confusing as you might think, but it's important to understand what you're looking at and how to
1:52.5	compare one policy to another policy. So without further delay, we're going to get him on here
1:58.7	in just a moment. But before I do, I wanted to talk about a listener
	...

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