Episode 50: Alyssa Kapinos On Smarter Insurance For Your New Home

00:00:00:05 - 00:00:26:13
Nate Carver
Hey, if you're looking for insurance for your home, auto, special possessions like RVs and jewelry and want to bundle that insurance, I've got a guest that I would love to introduce y'all today. I'm Nate Carver, your favorite mortgage guy. And today we're talking to Lissa over at Goose Head. And she's fantastic. I got to go meet up with her for a cup of coffee.

00:00:26:15 - 00:00:35:11
Nate Carver
Over in Frisco, Texas at Ascension. And we hit it off, so I wanted to introduce y'all to her as well.

00:00:35:13 - 00:00:54:20
Nate Carver
Hey, I'm Nate Carver and welcome to Between Two Doors.

00:00:54:22 - 00:00:56:18
Nate Carver
Hi, Alyssa. How are you doing?

00:00:56:20 - 00:01:00:09
Alyssa Kapinos
Hey, I am doing fantastic. How are you?

00:01:00:11 - 00:01:09:15
Nate Carver
I'm good. I'm enjoying, the fall is started, and, get got the garden plowed under and we're resting for spring, so.

00:01:09:20 - 00:01:15:22
Alyssa Kapinos
I'm waiting for the next cold front to hit Texas. It's like it's November. Should be 80 degrees outside.

00:01:15:24 - 00:01:42:01
Nate Carver
Yeah, you get your coat out, you got to keep your handy. Don't need it everywhere. Then it comes. It comes luggage. So exactly. Warms up pretty nicely. So. So let's, let's introduce the world to you and, and, and, I think you're going to really enjoy this. So, tell me, tell me about your origin story where you started from and how you got to where you're at now.

00:01:42:03 - 00:02:06:16
Alyssa Kapinos
Yeah. Of course. So, I am originally from Charleston, South Carolina. Born in California, but but raised in South Carolina. I am a Clemson Tiger. I graduated from Clemson University. But my family, moved to Oklahoma. My stepdad is in, the Air Force. He's active duty. He is a loan master for the Air Force.

00:02:06:18 - 00:02:28:14
Alyssa Kapinos
So they moved to Oklahoma. And once I graduated college, I wanted to be closer to family. So, Dallas was the next best place. Besides the middle of nowhere where they're at in Oklahoma. So I moved here, and I started out, in medical sales, but I have been in the I've known about the insurance industry all my life.

00:02:28:14 - 00:02:36:02
Alyssa Kapinos
My mom's on the premium financing side of things, so decided to pursue insurance. With you sell insurance.

00:02:36:04 - 00:02:53:20
Nate Carver
Nice. So you've been here for a minute, and let's see, what was your impression of Texas? Have you ever been to Texas first? And then what is your impression of Texas or your what your idea of Texas would be like? Because not all of us have cowboy hats and cowboy.

00:02:53:21 - 00:03:17:13
Alyssa Kapinos
Yeah. So the first the first time I went to to DFW, I thought the, the first thing I thought was, wow, this is big. This is a lot of concrete. I was I was driving on an interstate, and I had just gone to to the metroplex, and there's just all these winding roads, all these huge lanes.

00:03:17:13 - 00:03:40:15
Alyssa Kapinos
And I was just so amazed because the the largest interstate that you're going to see, in South Carolina is three lanes max on each side. So it was just absolutely chaotic. But I thought it was just so crazy how big the city is. Because Charleston's a city. But, if no one's familiar with downtown Charleston, you can't build higher than the tallest church spire.

00:03:40:17 - 00:03:57:03
Alyssa Kapinos
So it's. And it's a big city, but it feels really small, whereas Dallas is big and it looks big. So that was my first impression of Texas. Drivers were a little scary, but I've gotten used to it. And I really love, Flower Mound, Texas. That's where I live now.

00:03:57:05 - 00:04:05:15
Nate Carver
Nice. It's a good area. Have you, found some some favorite locals, local things that you absolutely are like. Yep. This is home.

00:04:05:17 - 00:04:32:14
Alyssa Kapinos
Yeah. I really like the Coppell Farmer's Market, on Saturday and, grapevine, downtown grapevine has some really good, spots down there I really love, there's a couple pizza places. It's like mysterious. Are you familiar with that one? So it's fun to fly around, but there's one in grapevine. I love it.

00:04:32:16 - 00:04:51:01
Nate Carver
So one of the things when we first met in our initial conversation that it came clear to me is you have a passion for people. And starving people. So, you're I don't know if there is any background to that or where that's coming from, from your heart. I'm kind of curious to know a little bit.

00:04:51:03 - 00:05:14:01
Alyssa Kapinos
Yeah. So I guess I so my mom has been in sales, my entire life, and I guess just seeing her kind of perform and shine the way that she's very successful in her role. So I guess I, just kind of followed in her footsteps, and I just found, a really a passion, just for communicating with people.

00:05:14:06 - 00:05:40:02
Alyssa Kapinos
When I was in college, I actually worked for Clemson athletics, and sold, and worked with their, their boosters and, their, their football attendees getting them tickets and getting them taken care for the season and just being able to connect with so many people across the country. But, just Clemson alumni, it's just and it might be just a relationship that you have over the phone, but those connections are valuable.

00:05:40:02 - 00:05:59:17
Alyssa Kapinos
And, I realized that I, I like the people aspect of, of service and, that's why I insurance is one thing that everybody that everybody needs, it's required by law for, for most things. So why not, help people make that a little bit easier.

00:05:59:19 - 00:06:04:03
Nate Carver
All right. And get good guidance there. So I like you said.

00:06:04:05 - 00:06:47:03
Alyssa Kapinos
Yeah. So I wasn't aware of it. You said when I official when I initially started, looking for insurance roles. But you said quickly, got my attention and my franchise owner, a is very awesome guy. Said insurance is actually the largest insurance brokerage in Texas, and one of the largest in the United States. So when you're starting a new career and a new industry that you're somewhat familiar with, but you haven't done before, working for one of the largest companies in it, being independent, is sort of captive is one of the biggest things that you my attention, because I have a lot more freedom to to help clients

00:06:47:03 - 00:07:00:19
Alyssa Kapinos
figure out what's best for them instead of kind of putting one carrier like one shoe to fit everyone, instead of having everyone have their their own shoe that fits them so nice, they quickly won me over.

00:07:00:21 - 00:07:09:22
Nate Carver
Anything in your career yet that is really stood out as, like a red letter day for you. And an awesome experience that you're with the client.

00:07:09:24 - 00:07:40:10
Alyssa Kapinos
Yes, I, I have so much fun. Just working on how much money I can save a client and getting to the point where I'm working the numbers. I'm seeing which carrier works best for them, and when I get to, a part in the process where I'm ready to review the policy and explain it to them, just just communicating the value and sharing like, hey, once we get this done and taken care of, we're saving $700, receiving $1,000.

00:07:40:12 - 00:08:01:22
Alyssa Kapinos
And then at the end of at the end of the conversation, they just they're just so stunned and so appreciative of the time that I took to get them a policy that fits them better and that I walked them through it, because most of the time when I'm working with clients, they've had insurance for years, but no one took the time to explain to them what their insurance is actually covering them.

00:08:01:24 - 00:08:15:11
Alyssa Kapinos
And just having that, seeing that appreciation and that just comfort, comfort that they receive, knowing that they're properly protected is, it's why I love coming into the office every day.

00:08:15:13 - 00:08:46:13
Nate Carver
Yeah. I can tell you, for years and years and I've worked with goose Head. They work with I've encouraged borrowers or made introductions as all I do is make introductions. And, I can tell you the communication that y'all provide is top notch. And then I add, as a consumer myself, I really like all are able to shop, policies and really get a homeowner something that is tailor made.

00:08:46:15 - 00:09:10:09
Nate Carver
Yes. To meet their, their housing needs. And so in their budget. And so that is fantastic. Let's, let's shift gears a little bit and let's talk about homeowner insurance. I promise, no gotcha questions, but I do kind of want to delve into it a little bit for some of our listeners. Things that they may ask is, let's talk about homeowner insurance policy in plain English.

00:09:10:11 - 00:09:18:11
Nate Carver
And, when you look at a policy. What are the top three big things that you want a homeowner to understand.

00:09:18:13 - 00:09:40:13
Alyssa Kapinos
Yeah. So the biggest part is how much or is your home insured for. So homeowner's policies are built around the replacement cost of the home. So this isn't how much your home is worth. It's how much it's going to cost to rebuild the home. God forbid it gets completely run down to the ground. So that's the first part.

00:09:40:15 - 00:10:02:11
Alyssa Kapinos
How much do you have in coverage? Because you don't want to be paying out of pocket for anything if you find yourself in that situation. The second one, that I would point out to, to new homebuyers is the deductibles. So in Texas, you're going to most often have your all other perils deductible and then separately, your wind and hail.

00:10:02:13 - 00:10:26:17
Alyssa Kapinos
Now DFW just in the city faces some unique risks. Just by the fact that there's a lot of claims made for for wind and nails on, roofs. So depending where you're out on Texas, the, the, the deductible may be 2% or 1%. So that's an important piece to to look at when shopping around. And then the last part, is what's included versus what's excluded.

00:10:26:19 - 00:10:40:08
Alyssa Kapinos
A lot of water related claims may or may not be, covered by your homeowner's insurance. So it's important to review your policy with your agent or just sit down and read through your declarations to see what's actually covered.

00:10:40:10 - 00:10:57:14
Nate Carver
Nice. Are there are there any things, homeowners can do to help lower the cost of their insurance policy? Maybe a homeowner or someone that's actually about to buy a home? What are some things that could could happen that could help?

00:10:57:16 - 00:11:22:17
Alyssa Kapinos
So, I get this question a lot. So there's a couple of routes that I take, the, the route that I try to stay away from, but, I mean, it is an option is, lowering or reducing some of the optional coverages that are all water related. So seepage coverage, Walker water backup foundation, they're not required in, your homeowner's policy, but they can be endorsed.

00:11:22:19 - 00:11:46:03
Alyssa Kapinos
So if we're looking at some cost savings, we can reduce those. But in the event of a claim, the the protection that you have is obviously decreased a little bit. The other side is increasing your deductibles. So if, I meet with the client and they're moving into a home where they have a brand new roof and the insurance premium that we started out with is a little high.

00:11:46:05 - 00:12:03:01
Alyssa Kapinos
Sometimes I do recommend increasing the deductible for wind and hail, because the odds of you having to replace a brand new roof is pretty slim. So if we're looking at the next 12 months and seeing what's most competitive to get them through that first year, we consider raising the deductibles.

00:12:03:03 - 00:12:15:14
Nate Carver
All right. And how about, explain to us the difference, if you can, between a replacement cost, what that really means versus actual cash value.

00:12:15:16 - 00:12:42:12
Alyssa Kapinos
Yes. So replacement cost, it it differs from actual cash value in the way that actual cash value for something deducts depreciation and replacement cost. How I like to explain it is if you bought a TV for $1,000 five years ago, and right now, it's worth 200. If you have a replacement cost, you're going to get a new TV worth $1,000.

00:12:42:14 - 00:13:07:08
Alyssa Kapinos
But if you had ACV, you're going to get a TV that's worth $250 because that's what your TV is worth now, five years later. So whenever I'm writing homeowners insurance policies, for my clients, we always make sure that their personal property is going to be replaced. Our replacement cost because nobody wants to to end up, with their property not not being the same because they, they bought it years ago.

00:13:07:08 - 00:13:10:15
Alyssa Kapinos
Nobody wants to to deal with the depreciation factor.

00:13:10:17 - 00:13:23:14
Nate Carver
Right. Does that's taking a picture of the, of the piece of property and maybe having the receipt stored away in a, in a, I don't know, say a lock box or whatever. Does that help.

00:13:23:16 - 00:13:50:00
Alyssa Kapinos
Yeah. Sometimes it depends on how much you want to invest in, doing that. I know a lot of people own a lot of things, so sometimes that can add up. But one way that we can also do that is scheduling personal property onto your insurance policy. So these are things like high value items like an engagement ring or a piece of antique furniture that you want to make sure is going to be absolutely covered by your insurance policy.

00:13:50:06 - 00:14:04:12
Alyssa Kapinos
We'll go ahead and schedule that in, have proof of how much it's worth, if someone wants to assess it or you have a receipt. So, in the event of a claim, it, it becomes damage to the insurance carrier already knows how much that that piece was worth.

00:14:04:14 - 00:14:27:13
Nate Carver
All right. What are you seeing trend wise? In insurance policies with new homeowners? You you get a contract, you get a notice that they they've gone under contract, getting the insurance set up and validated. What are you seeing some trends, I guess in the North Texas area.

00:14:27:15 - 00:14:56:16
Alyssa Kapinos
I guess trend wise trying to think, Realizing how much roof age is, is how it is very important, especially in North Texas. One thing that I've noticed sometimes it can be very difficult for homebuyers to get an affordable homeowner's insurance premium if they have a lot of, of claims that they filed on previous homes.

00:14:56:18 - 00:15:26:00
Alyssa Kapinos
Because regardless, even if you're not if we're not, writing that homeowner's policy on your old home and you're moving it to a new one that that claim history still carries with you even though we're moving homes. So, clients with that file a lot of claims for, for small things. In the moment, it may seem very helpful to do so because it's less out of pocket, but in the long run, it's ending up, hurting their their ability to get, more competitive coverage in the future.

00:15:26:02 - 00:15:49:06
Alyssa Kapinos
Roof age. As I said, can be a big factor. So getting in touch with your your real estate agents and figuring out, when you're shopping for homes with the roof is like, and then it's become a lot more cost competitive, for, for my cost conscious, clients to, to bundle with their auto.

00:15:49:08 - 00:16:06:14
Nate Carver
So there's some levers there that that future homeowner can have or make use of it, help keep their their monthly housing costs down for an insurance. Good. All right. Real stories. Let's see some real stories and some common pitfalls. Without naming any names.

00:16:06:16 - 00:16:07:11
Alyssa Kapinos
Yeah. Can you share.

00:16:07:11 - 00:16:15:08
Nate Carver
Any stories that were where good coverage really saved someone in a financial nightmare or. Yeah, let's go with that one.

00:16:15:10 - 00:16:44:13
Alyssa Kapinos
Yeah. So, so this happened a couple months ago. There was try to remember there was, some water backup that happened, in a home. And we had just rewrote their, their policy, and they were worth a former carrier, but with a new one, we we shopped, their insurer, their homeowner's insurance bottle with their auto, but we noticed that they didn't have, any of the optional water backup coverages.

00:16:44:13 - 00:17:06:21
Alyssa Kapinos
So we added the seepage, we added foundation, we added a water backup and a couple weeks later, the something messed up with their septic tank at home. And they just notice all of their, their sinks, their, their bathtubs, all of this just like disgusting goo was just blowing up and and at the end of the day, nobody wants that to happen.

00:17:06:21 - 00:17:31:00
Alyssa Kapinos
Nobody wants to clean that up. But the repairs that that that takes, it ruined their flooring. It ruined some of their cabinetry. And it just we ended up being able to save them thousands of dollars by adding that endorsement that isn't required. And if someone, if we weren't looking very carefully and noticing what kind of the gaps in coverage they would have been out of pocket for, wow.

00:17:31:05 - 00:17:37:18
Alyssa Kapinos
So it thousand dollars. So that was a huge win for for both the client and our agency.

00:17:37:20 - 00:17:46:13
Nate Carver
Wow. Good for y'all. On the flip side of that, what if someone is underinsured. What are some pitfalls there or poorly insured?

00:17:46:15 - 00:18:12:01
Alyssa Kapinos
Yeah. This was we didn't have them. This happened, a couple of weeks ago. But this was we found out the situation before we wrote a new policy that had the gap in coverage. But we we write landlord policies. So those are dwelling, policies that have homeowners. And one of the things on a dwelling policy that you can get, is tenant liability.

00:18:12:03 - 00:18:35:20
Alyssa Kapinos
And before coming to use had, our client did not have that built into his policy. And I guess one day one of his tenants had his rental property. Just went nuts and started punching holes in the wall. And he didn't have tenant liability in his, in his dwelling policy, and he ended up having to repair the walls himself.

00:18:35:22 - 00:18:54:22
Alyssa Kapinos
So we and he shared that with us. We were able to, to get that built in to his new policy. So you're kind of kind of a crazy situation. That tenant was quickly moved out of the property, but, tenant liability is is another optional coverage that we recommend to our landlords.

00:18:54:24 - 00:19:23:05
Nate Carver
All right. Again, you're going to get you're getting your clients customers a tailored policy. Right. So having a candid conversation know this is what this property is what we're going to do with it. That that really helps in making sure it's mitigating that right. Any silent killers on a policy, gaps or oversights that people don't notice that might maybe be too late?

00:19:23:07 - 00:19:52:03
Alyssa Kapinos
Yeah. This kind of ties back to the kind of where new home buyers, if they don't like the cost of, their premium, where, we can either increase deductibles or remove some of those optional coverages. Sometimes when, we do increase those deductibles. In the short term, it makes sense because they're like, yes, I'm saving a couple hundred dollars, but, because I'm increasing my wouldn't health deductible by 2%.

00:19:52:05 - 00:20:19:00
Alyssa Kapinos
But when it comes down to, a wind and hail claim and they have to file it now, they're 20, $30,000 extra out of pocket before insurance steps in. So unless you if if a client is in a good financial spot where they can afford in the event of a claim to pay that deductible, ahead of time and not ahead of time, like upfront before insurance steps in.

00:20:19:02 - 00:20:37:23
Alyssa Kapinos
And that's great. But I kind of like to encourage my my clients to see like we can in the short term save money. But in the long term, do we want to have to pay an entire roof out of pocket because the deductible is higher than what it cost to repair the roof? So that's a silent killer that I have to walk through.

00:20:38:00 - 00:20:46:06
Alyssa Kapinos
Just to make sure that the clients know exactly what they're getting and what they're purchasing. Good. Because it's just a balance of risk of how much risk you want to take.

00:20:46:08 - 00:21:03:16
Nate Carver
Right. All right. Let's shift gears. Let's talk about home buyers and lenders and realtors and your relationship and how you fit into. Yeah, fit in this little space. When is the ideal time for a borrower to leave you in the.

00:21:03:18 - 00:21:32:14
Alyssa Kapinos
The ideal time, for me is when you are now, you pitch your your dream home and you're with your lender, and you go under contract. As soon as that that process happens. Let's go ahead and take care of your homeowner's insurance. That way the the the roof is going to be repaired by or replaced by the previous homeowners or we don't know the roof age or there's just a lot of tricky aspects about the insurance policy.

00:21:32:16 - 00:21:53:19
Alyssa Kapinos
We have enough time to get in touch with the listing agent to get in touch with the selling agent. Just make sure that all of these, these boxes are covered so that we're not, getting to to the last minute on closing day and figure out like, oh, we're actually waiting on the homeowner's insurance because that's required to to get the loan moving forward.

00:21:53:21 - 00:22:19:16
Nate Carver
What does that look like from the insure insurance perspective? A smooth a smooth closing for the buyer home buyer. So let's say I got 30 days, I get a contract, we got 30 days to close. I haven't process as a mortgage lender how I'm going to work them through all the way to close and ideal. My ideal situation is we have a week solid week, clear to close, no issues, no chaos.

00:22:19:20 - 00:22:38:06
Nate Carver
That one week prior to closing. Yeah that's what that's what our goal is. That's what we work to do. And so how about on the insurance side because, I make the introduction and I don't have I don't, I don't I don't meddle in the insurance world. So I want to know what what what that looks like to you.

00:22:38:08 - 00:23:00:19
Alyssa Kapinos
So yeah. So what it looks like here I go ahead is, so you as the lender, you get as connected with the client, and I get their contact information. So what I do is I take a look at their home, get some just preliminary information, and then I give the client a call and say, hey, I work with Nate, and I take care of their clients.

00:23:00:19 - 00:23:24:02
Alyssa Kapinos
Homeowners insurance. So what I'm going to do is I'm just going to ask you a couple questions, just confirm details on the home, basically all the information that I need to start running numbers. And so we, we chit chat, get that, all taken care of and then that takes usually about 15 minutes. Then, we hang up and I get to work on the numbers.

00:23:24:04 - 00:23:47:15
Alyssa Kapinos
So I have, several systems that that help me in this process. But I start running through carriers if I need to contact underwriters, to ask questions or they're, they're blocking policies for whatever reason. Just kind of clear those. And within an hour or two max, I usually give the client a call back in for the next 30 to 45 minutes, depending on how many questions that we have.

00:23:47:21 - 00:24:07:01
Alyssa Kapinos
We walk through the policy line by line, and make sure. Is there something that you want on the call policy? Is this too high or is this too low? What are your thoughts on it? And by the end of the day, it takes just one day to, to get an insurance policy all written bound. And what's comfortable for the client.

00:24:07:03 - 00:24:13:15
Alyssa Kapinos
And then after I get that taken care of, I send it back to the lender. And I let you do your magic.

00:24:13:17 - 00:24:27:18
Nate Carver
And that's what I do. Tell me, when a realtor's listening to this podcast, what are some things that they can do that will help set that homebuyer up for success from your perspective on the insurance?

00:24:27:24 - 00:24:58:19
Alyssa Kapinos
Yes. So, a couple things. I want if realtors are listening, having, inaccurate, understanding of the roof age is is a big thing because sometimes no one knows that information. So now we have to kind of make phone calls to two realtors, a different realtors. So that's a big thing. But also understanding, the, the claim history with the, the client.

00:24:58:19 - 00:25:22:21
Alyssa Kapinos
So we know, on their former home, just those with that detail looks like just in case we need to, give ourselves more time to speak with underwriting with carriers. And then obviously, all of these small details, like property addresses. If plumbing's been updated, roof's been replaced. Electrical, all that stuff taken care of, or at least that there's no last minute surprises.

00:25:22:23 - 00:25:50:24
Nate Carver
Good. So homebuyers in this process, I mean, buying a house is not their normal bread and butter day day to day adventure. And, certainly they have families, they have jobs. There's a lot of lots of other things that they had to focus on. And then the buying house, buying process they have, they're learning a lot of new language, real estate agent, language title company language lender language, insurance language.

00:25:50:24 - 00:26:02:08
Nate Carver
What do you do to help coach in and guide, first time homebuyers? For example, in the real estate insurance piece?

00:26:02:10 - 00:26:26:04
Alyssa Kapinos
Yeah. So, I, I ask lots of questions, just to make sure I'm gauging whether or not, the client is familiar with terms like market value, HCV replacement cost, and if they're not familiar or escrow for, for, example, I'll go over some of the market side of things just so that they're prepared for your conversations as well.

00:26:26:06 - 00:26:55:21
Alyssa Kapinos
But I just put everything into plain English at the end of the day, no one wants to hear a lot of the technical terms. When it comes to kind of understanding just the gist of what their homeowner's insurance policy entails. So just making it a little bit easier to understand if that means using examples, having them envision what the process or what an example of a claim might be and where their deductibles come in, or, examples of what seepage or leakage looks like.

00:26:56:02 - 00:27:11:08
Alyssa Kapinos
Just, just using that personal guidance with easy language that's easy to understand and easy to follow is is how I coach, my clients through understanding insurance because it's it's a pretty hefty thing. You want to make sure you're doing the right.

00:27:11:10 - 00:27:30:02
Nate Carver
Yeah. Like my 80% or more people just want to be led. Well, Okay. So looking ahead and getting to know, tell us, you know, where do you see yourself in, I don't know, 4 or 5 years from now, your business in insurance in North Texas?

00:27:30:04 - 00:27:57:10
Alyssa Kapinos
Yeah. In a couple of years, I, I hope that, I am a trusted insurance advisor, not just with North Texas, where I'm based out of, but across the entire state and in Oklahoma and Utah, North Carolina, Missouri, Montana, those are all the those are all states that that I work in. So insurance in. And when people want insurance and they want someone who they can trust, that's easy to talk to.

00:27:57:10 - 00:28:16:09
Alyssa Kapinos
That's going to care for them, not just for their insurance side, but also their well-being and just being excited for them to to get the American dream of buying a home. It's it's an exciting feeling. And I just want them to to think of me first and know that, I'm one of their trusted advisors, right.

00:28:16:10 - 00:28:22:04
Nate Carver
Oh. So what what kind of what's your ideal client? The client that you love to serve.

00:28:22:06 - 00:28:45:03
Alyssa Kapinos
I love, clients. I mean, I like to talk, so in the client likes to talk, a lot. And we can just to chat about football, their weekend plans, where they grew up, if they have family, where they're moving. Because we're both people. So, I don't want my current conversations in my relationships with my clients to just kind of be a one day thing.

00:28:45:09 - 00:29:03:07
Alyssa Kapinos
I want it to to be ongoing. If they have questions that they they can just give me a call and we can check in about their kids, their dogs, their future vacation plans. So it's those are my, my ideal clients and, those relationships will last a lifetime. And those are ultimately what I want.

00:29:03:09 - 00:29:17:04
Nate Carver
Hey, Will, how about, let's see, we've got some homeowners listening to this podcast, and let's say they haven't looked at their policy in a year or two or more. What's the what's the one step? What should they do this week?

00:29:17:06 - 00:29:39:04
Alyssa Kapinos
Yes, they should. First of all, figure out who their homeowners insurance is with. Sometimes I talk to clients and they have no idea. It was just something. They clicked a couple buttons, got an online quote, and it was done with, so first figure out who their insurance carriers is with. And then get Ahold of your declarations page.

00:29:39:06 - 00:29:58:21
Alyssa Kapinos
So your declarations page is usually the first couple of pages. Of your homeowner's insurance policy is a quick summary, of what your, your policy covers for. So review that look out, look it over. And if you have any questions or you don't understand what all the jargon is, what all the numbers mean, give me a call.

00:29:59:01 - 00:30:11:00
Alyssa Kapinos
We it's we can definitely walk over and I'll explain it to you. And if there's anything that you want to change or you want to see what rates look like now, that's definitely something that I can help with.

00:30:11:02 - 00:30:24:12
Nate Carver
Good for you. All right, so, personal side, what's, a hidden talent, a quirk, a trait so that you you don't have to. Yeah. Something that you love doing that you'd like people know about. Yeah.

00:30:24:14 - 00:30:50:09
Alyssa Kapinos
I'll. I'll say two things. One of my, my hidden tricks, is I can write with both hands. So, when I was a kid, I used to use my left hand and right on the left side of the page and then finish the sentence with my right hand. Which was. Which was pretty cool. My parents, my teachers didn't like that very much, though, so, spent, elementary middle school writing with my right hand, but switched over to my left.

00:30:50:11 - 00:31:09:19
Alyssa Kapinos
So I'm always switching it up when I play sports. But love to play pickleball. I know that's the the trend now. But I actually I'm pretty good at it. Now, don't want to toot my own horn. But I also love to run, look into to sign up for for my next half marathon coming up soon.

00:31:09:21 - 00:31:17:12
Nate Carver
Yeah. And there is a lot of pickleball places. Yeah. Round here. I don't know how to.

00:31:17:14 - 00:31:29:17
Alyssa Kapinos
I don't know how to, like, curve the ball or, serve super, super hard. But I say, I'm pretty good. I'm pretty above average. Is where I'm at.

00:31:29:19 - 00:31:40:22
Nate Carver
Awesome. Let's see. Lastly, if you could give every homeowner's insurance pep talk, what would it be? What would your what's your tagline?

00:31:40:24 - 00:31:58:05
Alyssa Kapinos
Yeah. Review your insurance policy. Find an agent that you like that you trust. And keep them for life. Insurance is what you're going to need for the rest of your life, so might as well, partner with someone who's going to stick with you for the long haul, and, and and and I'm here for the long haul.

00:31:58:05 - 00:32:00:06
Alyssa Kapinos
So, so give me a call.

00:32:00:08 - 00:32:16:15
Nate Carver
All right. Speaking of, let's say our call to action to get a hold of Alyssa. What is? Let's see. And I'm going to put links down below wherever you're seeing or listening to this podcast, best ways for them to get Ahold of you to either get a new policy or to get a quote on their current policy.

00:32:16:21 - 00:32:43:23
Alyssa Kapinos
Yeah. So so like I said earlier, the best way to to contact me is to just call me. My phone number is (972) 559-9449. And if you ever interested, in the homes that, I'm insuring or what I'm doing, at Goose Head, I do have an insurance Instagram. It's insured dot by dot. Melissa. So some super fun things that I'm posting on there.

00:32:44:00 - 00:32:55:02
Alyssa Kapinos
But yeah, if you want to, social media is your thing. Send me a DM. If you just want to chat, give me a call. But I also have an email address as well.

00:32:55:04 - 00:32:59:11
Nate Carver
Some anything that I should have asked you,

00:32:59:13 - 00:33:04:12
Alyssa Kapinos
How I felt about Clemson's win against Louisville. I find.

00:33:04:18 - 00:33:08:08
Nate Carver
That Clemson's win against Louisville.

00:33:08:10 - 00:33:26:04
Alyssa Kapinos
I was super excited. Clemson's been, not so good. We actually thought Cade Klubnik was going to be a Heisman pick. And obviously that that might not be the case anymore, but it felt good to take down, they I don't know what the ranking is now, but they were ranked number 12, by Friday, so I super.

00:33:26:08 - 00:33:27:08
Nate Carver
Awesome I.

00:33:27:08 - 00:33:28:14
Alyssa Kapinos
Love football.

00:33:28:16 - 00:33:53:10
Nate Carver
Good good good good. All right everybody there you have it. Insurance. You've got to have it. I highly recommend going reaching out to Alissa over at Goose Head. To for her to help you get that piece of your home purchase taken care of and or updated. And as always, I'm Nate Carver, your favorite mortgage guy. Until next time on between two doors.

00:33:53:10 - 00:33:54:14
Nate Carver
I'll see you then.

00:33:54:16 - 00:34:05:24
Alyssa Kapinos
Thanks Nate!

00:34:06:01 - 00:34:08:00
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