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In this episode of Behind the Doors, Chris Stenke reframes the conversation around risk management versus insurance, challenging the traditional mindset of simply purchasing policies to mitigate risk. Chris dives into the realities of rising insurance costs, particularly in high-risk areas like California’s fire zones, and shares insights on when insurance may not be the optimal solution. The discussion explores real-world examples—including a shocking homeowner insurance story and the pitfalls of requiring renters to carry coverage—and unpacks the pros and cons of self-insuring as an alternative strategy. For real estate investors, Chris addresses the critical question: when is the right time to start managing risk in a real estate deal? This episode is a must-listen for anyone navigating the evolving landscape of property risk, insurance challenges, and proactive protection strategies.

Chris Stenke is the Vice President of Garzella Group Insurance Services, where he leads strategic initiatives to help clients navigate complex insurance landscapes with a focus on risk management, customized coverage solutions, and long-term protection strategies. With a deep understanding of both commercial and personal insurance needs, Chris is dedicated to partnering with businesses, investors, and individuals to safeguard their assets and mitigate risk in an ever-changing market. His leadership combines technical expertise with a client-first approach, ensuring tailored solutions that align with each client’s unique goals.

https://garzellagroup.com/team-member/chris-stenke/
https://garzellagroup.com

Disclaimer:
The information provided in Behind The Doors is for educational and informational purposes only. The hosts, Dan Noma Jr. and Marvin Crues, as well as any guests featured on the show, are not licensed financial advisors, legal professionals, or tax experts. The content of this podcast should not be considered legal, tax, or financial advice. Any real estate investing decisions should be made based on your own research and consultation with qualified professionals. While we strive to provide accurate and up-to-date information, the real estate market is constantly changing, and we make no guarantees as to the accuracy or completeness of the information presented.
The hosts and their affiliated companies, including Easy Street Offers, disclaim all liability for any direct, indirect, incidental, or consequential damages arising from your reliance on the information shared in this podcast. Listeners are encouraged to consult with their own financial, legal, and tax advisors before making any real estate investment decisions. By accessing this podcast, you agree to hold the hosts and their affiliates harmless from any claims or damages that may result from your participation or reliance on the content provided.