10/21/2025
Hey friends — I just wanted to share a quick tip I’m seeing a lot lately in my world of insurance. Many companies are quietly raising property deductibles or switching you to percentage-based ones (like 1% or 2% of your home’s value) — often without you realizing it until you have a claim.
For example, if your home is insured for $400,000, a 2% deductible means you’d be paying $8,000 out of pocket before insurance even kicks in 😬.
If you haven’t reviewed your policy lately, it’s worth a quick look — or I’m happy to give it a complimentary review to make sure you’re not caught by surprise.
No pressure — just want to help other families stay protected and avoid those sneaky “bait and switch” changes that have been going around.
🏡💡 Message me anytime if you’d like a second opinion or want to make sure your coverage actually matches what you think you have.
Watchdog reader Paul Barth of Dallas calls it "Homeowners Policy Shock." Showing it the easy way, let's pretend there is still such a thing in Dallas-Fort Worth as a $100,000 home. At 1%, your out-of-pocket cash would be $1,000.