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Summary
In the pilot episode of the RealView Money podcast, host AJ Seosin discusses the complexities of home insurance, particularly the recent rate increases. He explores the factors driving these changes, including natural disasters, rising home values, and the importance of governance and personal mitigation strategies. The episode emphasizes the necessity of understanding personal insurance needs and encourages listeners to engage with their local communities and insurance agents for better financial decisions.
Chapters
00:00 Introduction to RealView Money Podcast
03:30 Understanding Home Insurance Challenges
07:22 The Impact of Rising Home Values
09:23 Governance and Mitigation in Home Insurance
12:10 Summary of Home Insurance Factors
Reference:

LA Times - https://www.latimes.com/business/story/2025-04-23/the-fair-plan-grew-and-grew-and-now-la-fire-victims-are-paying-the-price

NBER - https://www.nber.org/digest/202410/disaster-risk-and-rising-home-insurance-premiums

The Guardian - https://www.theguardian.com/us-news/2025/may/21/state-farm-california-emergency-rate-hike-approval

California FAIR - cfpnet.com

Florida - https://www.citizensfla.com
Texas - https://www.texasfairplan.org/

Iowa - https://iowafairplan.com/

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