5 Things EVERYONE GETS WRONG ABOUT HOME INSURANCE

[@MichaelBordenaro]

"I Inherited MILLIONS AND IT RUINED MY LIFE..." kzbin.info/www/bejne/gpimqmNjn55sb9E

[@henrythegreatamerican8136]

Maybe you might know this or someone who does. I'm not sure how to explain it but here I go. Is there a homeowner's insurance fund similar to a retirement account? You are not paying an insurance company. Instead, you put money into your own homeowner's account each paycheck that builds up over time and is tax free. You can only remove the money tax free if there is major damage to your home or for major healthcare expenses. Otherwise, if you remove it for any other reason the tax penalty kicks in. If you move to a new home, this account moves with you tax free. Kind of like how a 401k retirement account works

[@surfboard396]

@@henrythegreatamerican8136 That might be a question your bank can answer. They are the ones that potentially or are holding your mortgage.

[@steveb8503]

@@henrythegreatamerican8136 interesting concept. There would have to be an age where you can pull it out penalty free otherwise you wouldn’t want to put too much in it. I’d say just designate a brokerage account to save the $. You could invest in tax-advantaged funds if you like.

[@Ekishounen]

Something to remember about insurance claims: Say the deductible is $5000 and the actual damage is $7000. Filing a claim for any amount of damage will automatically put a bad mark on the property and make insurance either go up, or be dropped. The actual claim amount does not matter as much as filing a claim in the first place. For smaller problems, it is better to not call the insurance company at all.

[@UrsaBella]

then yo do not need them. because it is the money wasted.

[@maryrenaud6732]

Property insurance is not like health insurance, it is not services oriented. It is intended to cover large catastrophic claims that are completely unrelated to maintenance or minor repairs relative to deductibles.

[@kennethjarvis5597]

40 years ago, I was complaining to my father in law, an insurance agent at the time, told be very bluntly, "we're not in business to give you your money back!"

[@googleuser868]

I remember when I first self insured an agent was telling me if I was uninsured for a brief period of time insurance companies may not want to insure us at all. Sounded like a scare tactic to me. Asked him if selling fear paid good. No regrets being self insured for over a decade. Insurance companies, banksters, politicians, etc. are just leaching away off anybody they can.

[@Helen_white1]

More than 80% of newly-built single-family homes sold in 2019/2022 belonged to an HOA. during the 2004 housing boom-home prices were significantly inflated, leaving people unable to sell later because they owed more on the house than it was worth. I know several people who bought during that time, thinking it was a good investment, but it wasn’t until the COVID housing boom that prices finally returned to those original levels.

[@Thompson-e7h]

To balance out your real estate holdings, I suggest investing in equities. If you're cautious, even the worst recessions can present fantastic buying opportunities. Additionally, volatility can produce fantastic short-term purchase and sell opportunities. This is not financial advise, but you should buy immediately away because money isn't king right now!

[@Kin-28-8]

I agree, that's the more reason I prefer my day to day investment decisions being guided by an advisor seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using my advisor for over 2years+ and I've netted over 2.8million.

[@berniceburgos-]

I actually subscribed for a few trading courses but it didn't help much, been getting suggestions to use a proper financial advisor, how did you go about touching base with your coach?

[@Kin-28-8]

Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with Stacy Lynn Staples for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.

[@Theodorebarba]

I just googled her name and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a call.

[@JKBelle]

Thanks for keeping us informed of all these ridiculous scams!

[@overthehilldill3626]

We don't cover a thing but we will take your whole life savings gladly. Insurance should only be non profit.

[@Gypsygirl9]

Ponzie scheme scammers

[@MikkiMikki11]

@@overthehilldill3626 yes, this is exactly what happened to people during the great depression. Lasted 15 years.

[@1tomatera]

I keep hearing from you that in Florida you should buy flood insurance even if you’re not in a flood zone. I lived in Florida and you could not buy flood insurance if you weren’t in a flood zone. It wasn’t possible. Has that now changed? By the way my house in Florida started sinking because it turned out to be on a sinkhole and then I got hit with hurricane Charlie. Total loss. That was the wake up call. You would have to be a fool to rebuild and wait for the next catastrophe. There are many other beautiful places in the US to live. Living in Florida is just rolling the dice.

[@nolongeranurse3369]

Bought in Florida back in 1999 could buy flood in a non flood zone at least that far back..NFIP covers every zipcode in the USA

[@steveb8503]

Yes, I’m in SWFL in a non-flood zone (zone x) and have flood coverage. Obviously it’s much cheaper for me than someone in a flood zone.

[@Jake-u2o]

Just scratch "Shithole" / "Hellhole" off your list !!! That would be like moving from the frying pan into the fire...

[@oldkid6]

Insurance will never pay out, we're screwed in Florida.

[@cumberlandquiltchic1]

You ought to be in WNC! 😢

[@GuitarsAndSynths]

and California

[@johnjaco5544]

We cover everything except floods,hurricanes,wind damage,hail damage,rain damage,theft,vandalism,and coastal storms your in good hands tho.

[@JamesKerr-z4o]

It’s just a thought but if you want cover for the extras you need to pay more. Insurance is simply pooling risk. Insurance is not a charity. Imagine you are are running an insurance company, you have to make the payouts and make a profit.

[@rebeccaburgess5333]

ALLSTATE IS ONE OF THE WORST!

[@MichelleVoegtline]

lol… insurance is a scam. But they have got us scared if we don’t get insurance coverage. For instance, someone fall onto your yard may sue you…

[@johnjaco5544]

@@MichelleVoegtline Sue me and see what happens.

[@cannotbeshaken7889]

Don't the banks you get your mortgage from force you to have insurance on everything, to protect themselves? How could they possibly allow you to have insurance that doesn't cover everything? Or is he only talking about people who have their house paid off?

[@twhitten828]

INSURACE= SCAM, SCAM, SCAM

[@henrythegreatamerican8136]

When I buy my house in south Illinois, the only home insurance I'm getting is catastrophic. And I'm not sure flooding in that area is an issue but wind definitely is. Not sure why I'd need insurance for anything else. If I can't afford to fix the A/C or a small leak in the roof, then I probably should not be owning a house.

[@henrythegreatamerican8136]

And before I sign the policy, I'd ask ChatGPT (or some other chat bot) to help me find potential loopholes 🙂

[@andrewgleason586]

Replacement cost has gone way up due to higher market values.... must have replacement coverage.....

[@RobertDarcy]

More wisdom from Bordenaro! Loving it! We appreciate your insight!!!

[@johnnymidas5879]

WELCOME HOME MICHAEL AND LISI 🌴❤🌴

[@GirlNextDoor1103]

There’s no way I would ever rent again after my last (and final) experience renting and having my rent increased $300/month at renewal. Moved out and not ever going back.

[@pinschrunner]

There are different kinds of FLOODS. Regular insurance will generally cover a flooding peril due to pipe or toilet or faucet leakage or breaking, or dishwasher or washing machine. But flooding from outside from ground water levels rising requires a separate flood policy generally. Check your policy.

[@Michael-qy1jz]

Insurance- It would be easier to list the few things it does cover because it doesn't cover most anything.

[@michaelparman2305]

Actually as a former commercial insurance broker the most important things to go over are the “exclusions” in the policy…forget…for the most part… the “all risk” semantics insurance companies lie to you about and look specifically at exclusions and limits on what is actually covered 😊

[@chino7287]

My HOA is currently $625 a quarter & will likely increase in January. Additionally, we were just informed that we have a special assessment of $1K due to Hurricane Milton cleanup. 🤦🏻‍♂️

[@AmericanConstellation]

MB, as for beach erosion.....those places are on sandbars. I live on west central Florida, Clearwater. I've lived here all my life. I love the beaches. These beaches are just sandbars. They get rearranged. One good cold front can mess up these beaches. I have a boat. I go out in this area to explore the beaches, especially north of Clearwater Beach. It's alway changing up there and it's still beautiful. I pull in on these beaches on a week day and there's no one there but me and my girl.

[@karlnordinger5968]

The erosion is called "Long shore drift " and is constant from north to south on the east coast except where humans dredged inlets and the beach becomes wider on the north side and narrower on the south side .

[@GARYBAGLIEN]

I’m a full time resident of Sarasota. Before moving here years ago I educated myself on Florida insurance. Your videos on this subject are very relevant and important. Thank you Michael

[@SirCarlosMusicBMI]

🌴🌴🌴 I’m so tired of hearing about how bad the current status of insurance. Thank you for covering it but I’m just dealing with some kind of “Burn Out” regarding all this bad news. You look so at home being at home 🏡 😊. I hope that LISI is catching up with her business and all those beautiful little doggies. Blessings, Carlos

[@Kattyol1]

I learned the hard way that not everything is covered. For example, floods and earthquakes aren’t usually included unless you buy extra coverage. I thought my standard policy would take care of everything after a storm, but no. It’s a huge eye-opener

[@Johnwhite-c3n]

Yeah, and the myth that the insurance company will always pay out what you expect? That’s not always true. They may only cover the current market value of your home, not what it would cost to rebuild at today’s prices. That can be a huge gap, especially if construction costs go up

[@Andres_853]

One of the biggest myths I fell for was thinking that if my home gets damaged, my insurer would just cover the repairs without hassle. But I didn’t realize there are so many exclusions-like damage from mold or wear and tear-which are often not covered at all. You have to be really specific about what your policy includes

[@TeresaMicheals]

I guess the key takeaway here is to review your policy regularly and ask about specific coverages you need. It’s all about knowing the truth behind those myths and protecting your investment properly

[@louisahernandez]

Exactly. But I’ve been thinking, with inflation and everything else, how do we make sure we’re financially prepared for any surprises? I’ve been looking at my investments too, because I want to make sure my portfolio is really growing and working for me, not just my home insurance

[@FedrickWhite-jo2ed]

Yeah, I’m at a similar point. I’ve been managing my finances myself, but sometimes I feel like I could be doing more. Maybe diversifying my portfolio would help with inflation risks too

[@TonyM360]

My wife and I will be moving down to Florida in June,2026. We have been visiting Florida for over 30 years. We have always said when we moved to Florida someday, no matter where we live. We will be purchasing flood and wind insurance. On top of regular homeowners insurance. We will be buying new construction, but we want to cover all areas of our home. Thanks Michael for all the great information.

[@SOLO-bi7ud]

Reconsider. Florida has sneaky costs that have doubled in the last year.

[@chickengod9184]

Keep an eye on which flood zone your prospective house is in. My place in sarasota, for example is 6 m above sea level yet only 3/4 of a mile from the Intracoastal waterway and a half a mile from downtown, then you have the Barrier Islands to the outside of that that could knock back a significant storm surge. Because of this I'm not even required to carry flood insurance and the houses in a prime location and my neighborhood was unscathed during all of those storms recently

[@AshleysBallistics]

Insurance companies be like "Pay now & we'll ghost you later" 🤪

[@ReiShirouOfficial]

Sounds like modern dating apps

[@arinthium4018]

The presidents daughter is equipped with a sense of humor too 😆

[@llew-AZ]

HOA in Northern California I've seen from 40 to 1200. Massive swings.

[@lordinquis8r679]

Thanks, Michael! It’s not wise to build within a quarter mile of the beach.

[@Ghekko-kw3zz]

The whole peninsula is a swamp.

[@Johana-c9n]

The edits is so smooth, appreciated it!

[@colombia2727]

Bro you look like don Johnson in Miami vice

[@Jack-russell103]

no he doesnt

[@VTLovesSF]

Orlando renter here, my rent just went up 5%, I'm sick of these yearly increases.

[@MikkiMikki11]

Welcome back, buddy!

[@ryan_dylan6650]

Many individuals overpaid for homes, even during a period of low interest rates, leading to significant debt burdens. I anticipate a potential housing crisis, as these homeowners may face foreclosure if housing prices continue to decline and they are unable to meet their financial obligations. In such cases, with little to no equity, selling the property would likely not yield any profit. I believe this scenario could affect a large number of people, particularly given the looming mass layoffs and rapidly increasing cost of living.

[@patricia_nura3378]

I advise you to invest in stocks to balance out your real estate, Even the worst recessions offer wonderful buying opportunities in the markets if you're cautious. Volatility can also result in excellent short-term buy and sell opportunities. This is not financial advice, but buy now because cash is definitely not king right now!

[@leonardives1991]

You’re absolutely right! With guidance from an investment coach, I was able to diversify my 450K portfolio across different markets and grow it to over 830K in net profit through high dividend stocks, ETFs, and bonds..

[@Elina_H]

My portfolio has been in the gutter for the entire year, so I started researching new ways to profit in the market, but everything I tried just seemed to miss the mark. Please let us know the name of your financial advisor.

[@leonardives1991]

Jennafer Beaver Turner is the licensed advisor I use. Just research the name. You'd find necessary details to work with to set up an appointment

[@Elina_H]

I just copied and pasted Jennafer’s whole name into my browser, and her website appeared right away. You've saved me several hours of arduous research, therefore I appreciate it.

[@grovelandgal1185]

Welcome back !

[@pinschrunner]

Let me add ..when you have a replacement cost policy, and your claim is approved by the insurance company, they only pay out the depreciated amount of the claim at first, THEN AND ONLY THEN AFTER THE REPAIRS ARE MADE DO THEY SUPPLEMENT AND PAY YOU THE REPLACEMENT DIFFERENCE.

[@ЭђұґҲ]

Insurance companies are separating coverages because they are trying the best to not help you out when you need the help.........

[@BV-Auto]

My dogs are dogs are going nuts. I'll have to come back to this one. Hope all is well Michael. 🙏

[@montymatthew1784]

No mortgage, no hurricane insurance just a fire policy. Metal roof, double straps, concrete build, impact everything. Home is on a knoll and never floods. Bring it.

[@matthill4406]

Rock on dude!!

[@jorgedelgado5881]

A tornado 🌪 will bring it.

[@CajunMusings]

While I'm no expert....so I could be wrong on this (which is why a new episode covering this would be great). Flood insurance does NOT cover repeat events. Once something floods, I think, it establishes a new 'water line'....anything below that is paid ONE time. If there is another flood event, they only pay for things above that established water line from the last event. hence why so many houses along the costal areas are waaay up above as to avoid this.

[@booboolips6053]

No leaf blowers at the beach😄

[@Peterl4290]

The effects of the downturn are beginning to sink in. People are being impacted by the long-term decline in property prices and the housing market. I recently sold my house in the Sacramento area, and I want to invest my lump-sum profit in the stock market before prices start to rise again. Is now the right moment to buy or not?

[@larrypaul-cw9nk]

If you are new to the market, I recommend seeking professional assistance. The most effective approach to creating a well-organized portfolio is to begin with a professional who is knowledgeable about the turbulent yet profitable market.

[@Mrshuster]

A lot of folks downplay the role of professionals until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for a licensed FA and came across someone of due diligence, helped a lot to grow my reserve notwithstanding inflation, from $275k to approx. 850k so far.

[@sabastinenoah]

I’ve been down a ton, I’m only holding on so I can recoup, I really need help, who is the professional that guides you?

[@Mrshuster]

I'm been guided by “Annette Christine Conte” who is widely recognized for her competence and expertise in the financial market. She has a thorough understanding of portfolio diversification and is regarded as an authority in this field.

[@Mrshuster]

Thank you for this tip. It was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé.

[@Chris-u4b8r]

Beautiful beach 🏝️ 😊

[@Jeannified]

Glad you are enjoying being back home!

[@bonniemartenez5294]

Mine went up to 25.000 that I have to pay before anything gets paid. I have to pay more for my insurance now.

[@cloudymoney2895]

Save your money and only pay one third of the cost of a house. Start small. I got a cottage in the crash of 2008 because I saved. I don't have to deal with home insurance now. I think it's a total scam.

[@TruthCompassInc]

Very smart! We dropped all our insurances because it keeps going up and up and we never filed a claim ever. My husband and I discussed it and we would just get a few tiny homes as we have 3 acres. Do you own property you are on??

[@cloudymoney2895]

@@TruthCompassInc Ya, of course but there's stupid property tax and the 'stand by' tax from the water company. They charge me $100 a year for what they call stand by. I quit the city water when I saw how much it cost. That's when I learned that I can't get rid of them %100

[@thomasokeefe3081]

Michael...Take a Breath !!!

[@kyoung5600]

Last time you said Florida sucked and you couldn't stand the scorching heat and now you said you love Miami? Dude, make up your mind. Lol

[@plica06]

During that beach walk Michael said it was 80 degrees. He likes that temperature. The very high temperatures are a killer there.

[@karengrice2303]

I will say that we live in a rural area and I appreciate my HOA. Some HOAs are set up to scam homeowners by nickle and dimeing them to death. You are right about a high percentage of them. However, ours is run by the people (unpaid volunteers) who live in our subdivision with just a few simple rules to protect our property values. Our dues are just 100 dollars per year to cover the cost of a business mailbox, insurance and common area maintenance. I appreciate it because it prevents people from junking out their property with junk cars and other things. You must have paint colors for exterior painting, landscaping and exterior construction such as fencing, sheds, green houses or decks approved by the HOA. This ensures that no eye sores are created. We also require a garbage can enclosure so no one has to look at garbage overflowing from a garbage can. I appreciate our HOA so they aren’t all bad! The end result is that we don’t have any purple or neon green houses in our neighborhood and no junk yards!😊

[@mattanderson6672]

Brilliant discussion Excellent Analysis Thank you Sir I agree!! I love your work, and I always love listening to you Mike

[@JC-pu1ej]

Michael, it is an unnatural act for an insurance company to pay on a claim.

[@prettygirlus9008]

The main living area of my 3-level single-family FL home is 4 feet above street level with three steps up to the front door. Top floor is two bedrooms. However, the lower level is at street level and was a one-car garage, nicely converted into a big media room. I don't carry flood insurance, and I'm guessing an insurance company would not cover flood damage to that lower level. I got a couple of quotes two years ago for about $500 with $2000 deductible. Likely much higher price today. I'm three miles from the beach, but no other bodies of water nearby.

[@goodmorningvenezuela6329]

I prelube before meeting with my insurance agent.

[@snarfdwarf]

I really enjoy your videos, you've got a real natural way of explaining things and that combined with the outdoors is a major +. Greetings from the Netherlands.

[@henrythegreatamerican8136]

Yea, but his views on government spending and debt are not fully fleshed out. He never gets to the root of the problem. He only discusses the endgame results from the spending and debt.

[@martinfenton9673]

Realtor numbers will probably drop off when the renewal comes up in December. Keep in mind that August was mid year and you do not get a refund on dues already paid.

[@lorivalentine5846]

Check the declaration page it gives you all the coverages. NFIP is the federal policy! They are different! Folks will have a hurricane deductible on their homeowners insurance of 2%. You can get 5% and lower the premium but usually 2% is most what everybody gets. That’s what you have to pay come out of your pocket before the insurance starts to pay anything. He’s correct base Flood elevation is important. We have a neighborhood that I live in 46ft above sea level. That is a non-evaluation zone. It’s in an X zone. We have a little ditch creek that flows through the neighborhood runs into a retention pond. This last time with Milton a tree fell got blocked it up and at 2:30 in the morning. Apparently the wind blew then it moved and created a surge come in and 16 houses got 2 feet of water including houses that were on the ditch and it jumped across the street, and it flooded out people across the street as well. Their cars as well . They were not expecting this at all. Some people lived here 26 years and it’s never been like that. These poor folks were in shock. And most carried no flood insurance because it was due to a surge. One guy had an insurance policy of $5000 but it was way over that to Gut the house and redo the drywall and everything else. It was very sad. Stay safe and protected !

[@douglaswatkins6281]

Be careful of under insuring yourself. There is something called coinsurance. If you under insure lower than (Usually) 80%, they'll payout at the insured percentage of value.

[@zipcode9]

I bought a house in 2012 at a great price. It was insured by the same company for 11 years and every few years the premium increased. By the 10th year, the premium skyrocketed. I argued with the agent about the price. He said "inflation" is the culprit. When I checked my policy, I found my house was only insured at the 2012 value, even though it is now worth 3 times more due to improvements I made to the property. The agent had never reviewed my coverage or home value but he sure did like to raise my premium. I switched companies and now I am assured that my home is insured at its actual value in 2024. Agents that never bother to review your coverage should not be agents!

[@MB031]

Is that Miami South Beach ? It's nice and clean, you should see Gulf coast beaches, it's like a sewer.. Naples to Tampa. HOA in Naples is $650 and up and without snow removal 😀😂😂

[@Paetaor]

Just paid my yearly fees today. Up t o $2500 from $2300 last year. House is about $800k as per tax assessment but not in a flood zone or at risk for wind.

[@Sonic6293]

My rent has only increased $55 from when I moved in two years ago. A unit like mine went up for rent and they want to charge $150 more than what I pay now. LVP floors don't warrant the increase, and it's closest to the road. I don't expect it to be filled soon.

[@estherwilliams7005]

I live in Wa state. My rent was raised $75 in march then another $75 a month in august. It went up$150 this year alone.

[@judyfabion8849]

In the safe and beautiful areas of San Diego, rents are not going down. Rental supply is low and new rental communities are mainly luxury properties with high rents.

[@iwonasmolenska1010]

I got hit by a car as a pedestrian,and I got $60k ,private detective who followed me for a 7 months got $55k …

[@RobGrimm]

Florida nice place to visit. After 2 weekss can wait to leave florida.

[@zacksweden519]

All you need to know about insurance is it's just a tax. You will almost never get more back than you pay in, so just get the minimum required. You have to decide if the risk of losing your house is acceptable to you, because insurance isn't going to help you in most cases, either choosing a safer area, or living with the risk based on your own risk comfort.

[@joshduckwall]

$330 a month for HOA? That’s insane. Ours is $220 for the entire year.

[@ЭђұґҲ]

Some HOA's ask the whole year money in advance and they would end up asking you for 10k for the whole year................

[@joshduckwall]

@@ЭђұґҲ That would be crazy!

[@andrewgleason586]

Mine is 0....

[@jjred233]

The HOA might have roof and driveway maintenance/repair. I think in Florida is required in some areas.

[@johnjaco5544]

I pay zero.$$$$$$$$$$$$$

[@jaredtheboss]

Great video michael

[@MichaelBordenaro]

Glad you enjoyed it

[@ksoutdoorlighting]

My roofer friend said people can’t even afford their deductible. Even if insurance is paying for a new roof.

[@WalkandTalkwithTodd]

Great Show 👍🏽

[@thomasrbishop8736]

Great video. Insurance companies are only out to make a profit. That's it only and when you become a liability you're out.

[@capricorngoddess30]

I've seen old office buildings converted into apts once the businesses left.

[@lillymaypatterson6375]

Question? If neighbor list their home for sale at a price way too high, can your insurance man see that and raise your insurance bill higher to match the asking price of your neighbor's? Will the taxes go up on your home? It has been on the market for 20 months. NEOHIO

[@md37567]

My neighbor just sold her house in two days in Ohio. The market in this area is hot for decent homes. The ones that don’t sell are dumps that nobody but the desperate would buy.

[@27blanx]

Can someone explain to me how insurance can dictate the replacement cost of your home and not allow any adjustments? My current home insurance has a replacement cost of $1 million, it would probably cost half of that to rebuild, and the house can sell for about 600K

[@andrewgleason586]

The adjustment is the market value has risen, home improvements don't usually raise the value unless you add a addition....

[@shelley8270]

Suggestion: call your agent or company and ask. All companies use a software program that calculates replacement cost in your area. Ask them to prove to you that it would cost $1M to replace your home. They should be able to break it down for you. Former insurance agent.

[@27blanx]

@@shelley8270 great call. Thank you.

[@shelley8270]

@andrewgleason586 Wrong. It's for replacement of your home in a total loss.

[@andrewgleason586]

@shelley8270 it above and beyond actual cash value,for example if your house is a smaller insured market value, actual cash value, replacement costs will cover any cost above that....I've been paying for many years and that's how mine works...

[@scottpollan6364]

Schrodinger's home insurance: there when you don't need it, dropped when you do..

[@MyDadWasALifeguard]

Hmm ..do you mean schrodinger’s cat thought experiment ?

[@mcuserton]

​@@MyDadWasALifeguard Dad's speedo was very restrictive, evidently.

[@MyDadWasALifeguard]

@ I’m not sure what a “speedo” is , so I’ll will have take your word for it. Dad’s speedo or “Dad is speedo” is a misplaced possessive apostrophe and is grammatically incorrect. Evaluative Adverbs , like “evidently”, are always used at the beginning of a clause. Any adverb utilized at the end of a clause does not need a comma. Keep practicing mcuserton , you’ll get the hang of it.

[@BPoweredLove]

I hope you hiked when you were here in AZ. Phoenix is the only major metropolis in the US (5th largest city) which has beautiful hiking mountains in the center of the city.

[@plica06]

Wow. You can see why people are drawn to Florida. It's middle of November but looks like summer there. Water probably plenty warm enough to swim in too.

[@tbugher62]

Rental prices are NOT going too go up,people are losing their jobs everywhere you look ,and nobody has any money.

[@VTLovesSF]

mine just went up

[@jackwilson3121]

I have plenty of money

[@jonathanjacques7250]

Depends on location.

[@bogleinc]

Bro get back to Florida!!!! We miss you!

[@twhitten828]

QUESTION: WHAT DO 'STANDARD POLICIES ' ACTUALLY COVER? (Buy 'Law'/ Bank Contract)..everything 'needed' is additional? and/ or NOT available? Please and Thank you 🙌

[@stevepeters7265]

We pay for a product that is mostly non-existent. Every one refuse to pay for 1 year and see what happens. Insurance is a word they use for private taxation.

[@dewholdingsllc1050]

Please walk by the boat marinas and docks to show the storm damage near you.

[@johngarceau541]

Heading to Destin from Minnesota in two weeks

[@Juliet875]

Welcome back to Florida Michael and Happy Saturday!

[@maxterrier]

Michael, sometime ago you mentioned an insurance code to possibly save money on premiums. Can you please list again?

[@michie5513]

I pay almost $300 for HOA. I still pay my utilities. I have a townhouse

[@daphne7897]

Wow so beautiful there!

[@deborahheckstall1881]

Love you info, Thank you so much for info and travels.

[@amandaball353]

It’s nice to see you walk on the beach 🏖️

[@stevenarcher9824]

Insurance companies are an incredible rip off

[@PonziZombieKiller]

Prudent to review ones policy. 👍

[@johnb2832]

13:15 all HOAs here in Florida offer free snow removal!!

[@googleuser868]

What about Gators, snakes, and skeeters.

[@s99614]

Houses in Florida should have a minimum 3' crawlspace or otherwise should be raised.

[@tizzx4945]

Such a beautiful beach walk!😊

[@MichaelBordenaro]

Yes it was!

[@fredk9999]

Welcome back to our host. Beautiful beach walk. Thank you. Good topic and good content

[@MichaelBordenaro]

Thank you!

[@s99614]

The rent is too damn high!

[@VTLovesSF]

that's right and mine just went up AGAIN!

[@tobyk5149]

same trite comment every time

[@larryhanshew5173]

I’m going to open up a new business to remodel houses and send bills and never really fix anything…how do you think I would do and for how long 😂😂😂 instead pay cash for the house and put in the bank monies each month you would be paying for insurance and before long you’ll have a pile of cash and be the insurance company. Most people don’t file claims anyway they just fix it themselves….what a scam and joke

[@deborahheckstall1881]

If people can buy they are going to buy. Never good to rent. They control your finances.

[@tobyk5149]

go ahead and buy Deborah

[@deborahheckstall1881]

@tobyk5149 bought 50 years ago when there was human price housing.

[@Norm475]

I had insurance on my boat, after hitting a dead head I put in a claim. Luckily I was driving the boat, and I found out that no one else was covered, even if they were driving it with my permission.

[@annoyed-b3y]

north C is messed up in many areas. I'm glad I am not moving there now.

[@ras2010able]

Insurance sounds like not worth getting when you not getting paid on a claim.

[@jackwilson3121]

You must have insurance if you take out a mortgage.