Posts by Matt Layson
Connected Conversations In Insurance
Expert Advice on Auto, Home, and Business Insurance This episode of Connected Conversations in Insurance provides essential insights for consumers and insurance agents seeking guidance on auto, home, and business insurance. The host interviews Matt Layson, an experienced insurance advisor and operations manager at Calrose Insurance. The discussion centers on the need for better consumer…
Read MoreWould You/ Could You Insure a Funhouse?
I know the title seems a little goofy, but if you see the video, you understand why we need to talk about it. Certain home modifications, while seemingly fun or practical, can be viewed as hazards by home insurance companies. Let’s talk about the specific modifications and the potential concerns they raise for insurance underwriters:…
Read MoreUnderstanding Personal Injury Protection (PIP) Coverage
Hi everyone, in this video, I wanted to break down Personal Injury Protection (PIP) coverage, which is a really important part of your auto insurance policy. Now, PIP, as it’s often called, isn’t the same everywhere. It actually varies quite a bit depending on where you live. For instance, if you’re in Washington state, it’s…
Read MoreCitizens Insurance’s High Claim Denial Rate in Florida: A Closer Look
I wanted to highlight the shockingly high claim denial rate of Citizens Insurance, a major homeowners’ insurer in Florida. They have been over the 50.4% denial rate, especially considering Citizens is a government-backed entity intended to be a last resort for homeowners seeking insurance. Why are so many claims being denied? There are two primary…
Read MoreIs the reinvention of FEMA doom or are there upsides?
This is part Insurance and part political, so if that’s not your thing scroll on, if so, the first thing you must know is I have never voted for Trump in any election. Trump is talking about remaking and or removing FEMA. What may surprise you, many insurance agents that sell flood insurance, 90% of…
Read More2025 Trump Policies: How can it change insurance?
In this video Matthew discusses potential changes in the insurance industry that could arise from Donald Trump’s policies, even though insurance is primarily regulated at the state level. Let’s get into the potential pros, cons, and uncertain areas based on two articles from the Insurance Journal. First, what are the potential pros? Now for potential…
Read MoreWhat Is a Deductible and What Do You Do with It?
We jump right into things with this one. What is a deductible? A deductible is the amount of money you have to pay out of pocket before your insurance policy starts paying for a claim. Choosing a higher deductible can lower your insurance premiums because the insurance company knows they won’t have to pay out…
Read MoreWhy Homeowners Insurance Has Increased
In this video we discuss the significant increase in homeowners insurance costs and the challenges facing the insurance market. First, a congressional probe revealed that non-renewals of homeowners insurance policies have tripled in 200 counties across the US. At this time, this is the worst insurance market in the last 40 years. One of the…
Read MoreInsurance and WA State Firearm Bill HB1504
Here we discuss Washington State bill HB1504, which proposes that gun owners in the state be required to purchase a firearm liability policy or equivalent bond. The proposed bill would require gun owners in Washington state to purchase a firearm liability policy or a $25,000 bond and would be required for each firearm. This new…
Read MoreIs auto insurance a scam??
We go over the most common comment we get on all our social media platforms, that insurance is a scam. But is it? We discuss in detail the misconceptions and where insurance came from. Is auto insurance a scam? A lot people think it is, many feel that insurance companies never do what they say.…
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