Explaining Replacement cost versus Actual Cash Value

Insurance Hour with Karl Susman (Audio Version)

Today we covered topics related to homeowners insurance in California, including why it is necessary, factors affecting premiums, coverage details, and ways to get discounts. We went into great depth explaining key concepts like replacement cost versus actual cash value, sublimits on personal property, and changes coming to the industry regarding more granular risk assessments. Next we provide numerous examples and anecdotes to illustrate the main points. Over the point of today's show conveyed that homeowners insurance is complex with many variables involved, so consumers need to educate themselves on coverage options and talk to an agent to ensure they get appropriate protection. The importance of mitigating risks through things like alarm systems and earthquake valve shutoff devices was stressed, as insurance companies will offer discounts for policyholders taking loss prevention measures.
Insurance Hour is hosted by renowned insurance expert Karl Susman. Karl is a frequent guest on television stations such as ABC, CBS and FOX, and now his popular radio program is syndicated TO OVER 30 MILLION LISTENERS throughout California.
Listeners can now tune in to Insurance Hour on:
KMET AM1490 – Inland Empire – Friday 9-10am

KTRB AM860 – San Francisco – Saturday 7-8am

KION AM1460 — Salinas — Saturday 12-1pm

KEIB AM1150 – Los Angeles – Saturday 12-1pm

KCBQ AM1170 – San Diego – Saturday 1-2pm

KFBK AM1530 – Sacramento – Sunday 5-6pm

KZSB AM1290 - Santa Barbara - Wednesday 9:52am

KCAA AM1050 – Riverside – Thursday 7-8am

In addition to traditional radio, Insurance Hour has embraced the digital age.
The program is available on several popular streaming platforms, ensuring that listeners can access the show at their convenience.
Audiences worldwide can now enjoy Insurance Hour at InsuranceHour.com, on YouTube, Amazon Music, Tuneln, Alexa, Apple Podcasts, and the iHeartRadio app.
For more information about "Insurance Hour" and its programming, please contact Lara Starr at [e-mail]