Plain English, finally
Real writing about real policies from the people who write them. Coverage explainers, hot takes, claim stories, and the questions nobody else will answer.
We brought Todd Burnell on the show this week to talk about the single most expensive paperwork mistake real estate investors make: the deed says one thing, the policy says another. When a lawsuit shows up, that mismatch is the difference between your LLC protecting you and your personal assets getting drained.
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7 postsEP55: the Festivus episode. We aired the grievances — AI phone trees, claims adjusters who never call back, premiums going up while service goes down. What's actually grinding your gears about insurance?
Most homeowners think their policy is a force field. It's not. Floods, earthquakes, mold, pest damage, sewer backups, off-property losses, and the dog you didn't disclose — none of those are automatically covered.
It's not your fault. It's not your driving. It's the carrier rebalancing risk across the whole book — and here's what you can actually do about it.
If you own anything worth suing for — a house, a 401k, a future paycheck — and you don't have umbrella coverage, you're playing a game you don't know you're in.
That "1% deductible" on your homeowner's policy means something very different in Texas than it does in California — and it's costing North Texas homeowners thousands.
Your homeowner's won't cover it. Your landlord policy might not either. Here's what short-term rental coverage actually looks like — and what happens when a guest gets hurt.
Texas-specific coverage gaps, the BOP policies that work for North Texas, and the carriers actually writing in the DFW market in 2026.
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