Is your home or property properly insured? When was the last time you shopped for a new homeowners insurance policy or compared your rate? Are you insured for the current value of your home? Insurance carriers do renew their dwelling values and increase them accordingly. It’s important to make sure you are not under insured. In this episode, Nicole Saunches interviews Tracy Baer with North Shore Insurance. Tracy explains how insurance companies utilize information in the 4-point inspection to determine a property's eligibility for coverage.  Additionally, we discuss how a wind mitigation report can provide homeowners with discounts on their homeowner's policy - including some sizeable discounts!   And, we talk about flood insurance.  Did you know some private insurers provide policies for less than FEMA's $480/year policies for residents who do not live in a special flood hazard area (X or X500).  And, for residents in a special flood hazard area (AE, A, VE, etc), private insurers also provide additional options to the policies offered by FEMA. Finally, it is important to shop your policy once a year, especially if your rate goes up.  Tracy (and Northshore Insurance team) have been able to save people money without sacrificing a customer's coverage simply by shopping their policy/rates annually. If you would like to get a quote from Northshore Insurance or would like to reach out to Tracy with a question, you can reach her by phone at 727-896-5165 or via their website: https://www.northshoreinsurancegroup.com/