1. EachPod

HOW TO COVER YOUR ASSETS AS A REAL ESTATE INVESTOR

Author
Terrica Lynn Smith
Published
Sat 05 Jul 2025
Episode Link
https://redcircle.com/shows/a389c70d-d17a-4e6d-a280-eff285636bc8/episodes/d48fc420-2a19-4c26-970f-edd85b920099

In this episode, I share a real story that every real estate investor needs to hear. A tenant filed a completely false injury claim against one of my properties — and despite having proof, documentation, and even witness statements, the insurance company still decided to settle.

This situation exposed how vulnerable investors really are when it comes to lawsuits, liability, and how little protection your insurance may actually give you.

I break down:

  • What happened step by step
  • How the insurance companies responded (and why it matters)
  • The legal protections that worked — and the ones that didn’t
  • What I learned about tenant screening, property management, and documentation
  • Practical steps to protect yourself, your properties, and your business


This isn’t just a story — it’s a cautionary lesson for anyone who owns rental property. If you’re an investor, this is what you need to know before it happens to you. This is a real property challenge!

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