Why Insurance Matters: A must-listen for agents and homebuyers with Malachi Loyal
- Author
- Heather Fowler
- Published
- Wed 02 Jul 2025
- Episode Link
- https://head-in-the-cloudsre.castos.com/episodes/why-insurance-matters
Today’s Head in the Clouds episode is a must-listen for agents and homebuyers who think insurance is something you deal with after the deal is done. Heather is joined by trusted insurance advisor Malachi Loyal of Comparion Insurance Agency to reveal what really matters when it comes to protecting the biggest investment of your life—your home. From roof age and ZIP code risks to renters and mobile home policies, this episode will shift how you think about coverage.
Show Notes / Highlights
Intro
Host Heather and guest Malachi Loyal from Comparion Insurance
Why insurance goes beyond paperwork—protecting belongings and peace of mind
Homeowner’s Insurance Essentials
Mortgage lenders require it; no insurance = no protection
Explanation of Coverage A–F: dwelling, other structures, personal property, loss of use, liability, medical payments
Risk Transfer & Coverage Options
Deductibles, rebuild vs. market value
Appraisals for high-value items (e.g., fine art)
Bundling auto and home policies—trust but compare
Timing & Location Considerations
When agents/buyers should contact insurance—day one under contract
ZIP code, flood zones, and roof age heavily impact premiums
Renters’ Insurance
Covers tenant property and liability—don’t rely on landlord’s policy
Overlooked Points During Due Diligence
Age of roof, plumbing, HVAC systems
Hazards: trees, overgrown limbs, driveway cracks, debris
Examples from real claims—when good coverage made all the difference
Mobile & Vacant Lot Insurance
Separate policies for mobile/manufactured homes, boats, jet-skis, dirt bikes
Vacant land still needs liability coverage
Agent–Insurer Workflow
What happens after agents pass along property details
Gathering data: roof, age, utilities, location
Customizing policies with clear client conversations
Staying calm and acting as voice of reason during client claims
Final Takeaways
Roof age (15+ years), tree & debris hazards, well-maintained yard = smoother underwriting
Agents can differentiate themselves by guiding clients through these factors
Contact info:
Phone: (404) 543‑4826
Email: [email protected]
Guest: Malachi Loyal, Sales Representative at Comparion Insurance Agency
Serving all of Georgia
Learn more or get a quote
Direct: (678) 926-5645
Cell: (404) 543-4826
[email protected]
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