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483. Are You Actually Covered? What Hosts Need to Know About Insurance with Darren Nix from Steadily · Thanks For Visiting

0:58
Sarah Karakaian: Hello.
0:58
Sarah Karakaian: Welcome
0:59
Sarah Karakaian: back
0:59
Sarah Karakaian: to
0:59
Sarah Karakaian: another
0:59
Sarah Karakaian: great
1:00
Sarah Karakaian: episode.
1:00
Sarah Karakaian: My
1:01
Sarah Karakaian: name
1:01
Sarah Karakaian: is
1:01
Sarah Karakaian: Sarah
1:02
Sarah Karakaian: Karakaian.
1:02
Annette Grant: I'm
1:03
Annette Grant: Annette
1:03
Annette Grant: Grant,
1:03
Annette Grant: and
1:03
Annette Grant: together
1:03
Annette Grant: we
1:04
Annette Grant: are.
1:04
Annette Grant: Thanks
1:05
Annette Grant: for
1:05
Annette Grant: Visiting.
1:05
Sarah Karakaian: Let's
1:06
Sarah Karakaian: start
1:06
Sarah Karakaian: this
1:06
Sarah Karakaian: episode
1:07
Sarah Karakaian: like
1:07
Sarah Karakaian: we
1:07
Sarah Karakaian: do
1:07
Sarah Karakaian: each
1:08
Sarah Karakaian: and
1:08
Sarah Karakaian: every
1:08
Sarah Karakaian: week,
1:08
Sarah Karakaian: and
1:09
Sarah Karakaian: that
1:09
Sarah Karakaian: is
1:09
Sarah Karakaian: celebrating
1:09
Sarah Karakaian: one
1:10
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1:10
Sarah Karakaian: you,
1:10
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1:10
Sarah Karakaian: incredible
1:11
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1:11
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1:11
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1:11
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1:12
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1:12
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1:12
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1:12
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1:15
Sarah Karakaian: sharing
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1:16
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1:16
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1:16
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1:17
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1:17
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1:17
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1:18
Sarah Karakaian: share
1:18
Sarah Karakaian: you
1:19
Sarah Karakaian: here
1:19
Sarah Karakaian: on
1:19
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1:19
Sarah Karakaian: podcast.
1:20
Sarah Karakaian: And
1:21
Sarah Karakaian: on
1:21
Sarah Karakaian: our
1:22
Sarah Karakaian: Instagram
1:22
Sarah Karakaian: account
1:23
Sarah Karakaian: because
1:24
Sarah Karakaian: I
1:24
Sarah Karakaian: said
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Sarah Karakaian: channel,
1:24
Sarah Karakaian: she
1:25
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1:25
Sarah Karakaian: elbow
1:25
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1:26
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1:26
Sarah Karakaian: now.
1:26
Sarah Karakaian: Uh,
1:27
Sarah Karakaian: every
1:28
Sarah Karakaian: Sunday.
1:29
Sarah Karakaian: Annette,
1:30
Sarah Karakaian: who
1:30
Sarah Karakaian: are
1:30
Sarah Karakaian: we
1:30
Sarah Karakaian: sharing
1:30
Sarah Karakaian: this
1:30
Sarah Karakaian: week?
1:31
Annette Grant: This
1:31
Annette Grant: week
1:32
Annette Grant: we
1:32
Annette Grant: are
1:32
Annette Grant: sharing
1:32
Annette Grant: @thelaurelloft
1:35
Annette Grant: in
1:35
Annette Grant: San
1:35
Annette Grant: Diego
1:36
Annette Grant: and
1:37
Annette Grant: it
1:37
Annette Grant: is
1:37
Annette Grant: absolutely
1:39
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1:40
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1:40
Annette Grant: just
1:40
Annette Grant: gonna
1:40
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1:41
Annette Grant: I
1:41
Annette Grant: have
1:41
Annette Grant: not
1:41
Annette Grant: seen
1:42
Annette Grant: a
1:42
Annette Grant: aesthetic
1:43
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1:44
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1:44
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1:45
Sarah Karakaian: What
1:45
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1:45
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1:45
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1:45
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1:46
Annette Grant: Remember
1:47
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1:47
Annette Grant: in
1:47
Annette Grant: the
1:48
Annette Grant: day,
1:48
Annette Grant: the
1:48
Annette Grant: good
1:48
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1:49
Annette Grant: early
1:49
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1:50
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1:50
Annette Grant: Instagram,
1:50
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1:51
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1:51
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1:51
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1:53
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1:54
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1:54
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1:55
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1:55
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1:55
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1:55
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1:55
Annette Grant: like
1:56
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1:56
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1:56
Annette Grant: the
1:56
Annette Grant: tiles
1:57
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1:57
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1:58
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1:59
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1:59
Annette Grant: a
1:59
Annette Grant: story
2:00
Annette Grant: And
2:00
Annette Grant: be
2:00
Annette Grant: together
2:01
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2:02
Annette Grant: um,
2:03
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2:04
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2:05
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2:06
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2:06
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2:07
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2:07
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2:08
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2:08
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2:10
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2:10
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2:10
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2:10
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2:11
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2:11
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2:11
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2:12
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2:12
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2:12
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2:12
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2:12
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2:13
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2:13
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2:13
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2:13
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2:13
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2:14
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2:14
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2:14
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2:14
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2:14
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2:14
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2:15
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2:15
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2:15
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2:15
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2:16
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2:16
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2:16
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2:16
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2:17
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2:18
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2:18
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2:19
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2:20
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2:20
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2:21
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2:21
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2:22
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2:22
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2:22
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2:22
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2:22
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2:23
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2:23
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2:23
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2:23
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2:23
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2:23
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2:24
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2:24
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2:24
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2:24
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2:25
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2:26
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2:26
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2:26
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2:26
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2:26
Sarah Karakaian: details.
2:27
Annette Grant: They
2:27
Annette Grant: do
2:28
Annette Grant: care
2:28
Annette Grant: about
2:29
Annette Grant: the
2:29
Annette Grant: details.
2:29
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2:30
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2:30
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2:30
Annette Grant: want
2:30
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2:30
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2:31
Annette Grant: out
2:31
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2:31
Annette Grant: I
2:31
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2:31
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2:31
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2:31
Annette Grant: great
2:32
Annette Grant: idea
2:32
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2:32
Annette Grant: I'm
2:33
Annette Grant: gonna
2:33
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2:33
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2:33
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2:33
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2:33
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2:33
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2:34
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2:35
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2:36
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2:36
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2:36
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2:36
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2:36
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2:37
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2:37
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2:37
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2:38
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2:38
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2:39
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2:41
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2:42
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2:43
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2:43
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2:44
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2:45
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2:46
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2:47
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2:47
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2:48
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2:48
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2:49
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2:50
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2:51
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2:53
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2:54
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2:54
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2:54
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2:55
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2:55
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2:55
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2:56
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2:56
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2:58
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2:58
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2:58
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2:59
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2:59
Annette Grant: these
2:59
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2:59
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2:59
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3:00
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3:03
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Annette Grant: when
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3:10
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3:11
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3:11
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3:11
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3:12
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3:13
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3:14
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Annette Grant: year
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3:17
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3:17
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3:17
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3:18
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3:18
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3:18
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3:20
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3:23
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3:24
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3:25
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3:25
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3:26
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3:26
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3:26
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3:26
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3:26
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3:26
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3:27
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3:27
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3:28
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3:29
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3:29
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3:30
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3:30
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3:31
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3:32
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3:33
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3:33
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3:33
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3:34
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3:34
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3:35
Annette Grant: thelaurelloft.com.
3:36
Annette Grant: You
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3:36
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3:37
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3:38
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3:38
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3:38
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3:39
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3:42
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3:42
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3:42
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3:43
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3:46
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3:47
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3:47
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3:48
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3:48
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3:49
Sarah Karakaian: We
3:49
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3:49
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3:49
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3:50
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3:57
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3:58
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4:00
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4:10
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4:10
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4:12
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4:12
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4:12
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4:13
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4:13
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4:13
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4:13
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4:14
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4:14
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4:15
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4:15
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4:16
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4:17
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4:19
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4:20
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4:22
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4:23
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4:24
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4:25
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4:25
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4:26
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4:28
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4:30
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4:31
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4:31
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4:31
Sarah Karakaian: that
4:31
Sarah Karakaian: if
4:32
Sarah Karakaian: you
4:32
Sarah Karakaian: want
4:32
Sarah Karakaian: a
4:32
Sarah Karakaian: great
4:33
Sarah Karakaian: CPA
4:33
Sarah Karakaian: find
4:33
Sarah Karakaian: a
4:34
Sarah Karakaian: CPA,
4:34
Sarah Karakaian: who
4:34
Sarah Karakaian: invests
4:35
Sarah Karakaian: in
4:35
Sarah Karakaian: real
4:36
Sarah Karakaian: estate
4:36
Sarah Karakaian: themselves.
4:37
Sarah Karakaian: So
4:37
Sarah Karakaian: how
4:38
Sarah Karakaian: cool
4:38
Sarah Karakaian: would
4:38
Sarah Karakaian: it
4:38
Sarah Karakaian: be
4:38
Sarah Karakaian: to
4:39
Sarah Karakaian: work
4:40
Sarah Karakaian: with
4:40
Sarah Karakaian: an
4:40
Sarah Karakaian: insurance
4:40
Sarah Karakaian: company?
4:41
Sarah Karakaian: Whose
4:41
Sarah Karakaian: CEO
4:42
Sarah Karakaian: and
4:42
Sarah Karakaian: founder
4:43
Sarah Karakaian: is
4:43
Sarah Karakaian: a
4:43
Sarah Karakaian: real
4:43
Sarah Karakaian: estate
4:44
Sarah Karakaian: investor
4:44
Sarah Karakaian: himself,
4:44
Sarah Karakaian: who
4:45
Sarah Karakaian: has
4:45
Sarah Karakaian: experienced
4:46
Sarah Karakaian: the
4:46
Sarah Karakaian: not
4:46
Sarah Karakaian: so
4:46
Sarah Karakaian: fun
4:47
Sarah Karakaian: side
4:48
Sarah Karakaian: of
4:48
Sarah Karakaian: working
4:48
Sarah Karakaian: with
4:48
Sarah Karakaian: an
4:48
Sarah Karakaian: insurance
4:49
Sarah Karakaian: company
4:49
Sarah Karakaian: who
4:50
Sarah Karakaian: doesn't
4:50
Sarah Karakaian: feel
4:50
Sarah Karakaian: like
4:50
Sarah Karakaian: they're
4:51
Sarah Karakaian: a
4:51
Sarah Karakaian: partner
4:52
Sarah Karakaian: with
4:52
Sarah Karakaian: you
4:52
Sarah Karakaian: along
4:53
Sarah Karakaian: the
4:53
Sarah Karakaian: way.
4:53
Sarah Karakaian: So
4:54
Sarah Karakaian: this
4:54
Sarah Karakaian: episode
4:54
Sarah Karakaian: is
4:54
Sarah Karakaian: chockfull
4:55
Sarah Karakaian: of
4:57
Sarah Karakaian: tips
4:58
Sarah Karakaian: and
4:58
Sarah Karakaian: tricks
4:59
Sarah Karakaian: on
4:59
Sarah Karakaian: how
4:59
Sarah Karakaian: to
4:59
Sarah Karakaian: make
4:59
Sarah Karakaian: sure
5:00
Sarah Karakaian: that
5:01
Sarah Karakaian: your
5:01
Sarah Karakaian: insurance
5:01
Sarah Karakaian: policy
5:02
Sarah Karakaian: not
5:03
Sarah Karakaian: only.
5:04
Sarah Karakaian: It
5:05
Sarah Karakaian: has
5:05
Sarah Karakaian: adequate,
5:06
Sarah Karakaian: adequate
5:06
Sarah Karakaian: coverage
5:06
Sarah Karakaian: for
5:07
Sarah Karakaian: you,
5:07
Sarah Karakaian: but
5:07
Sarah Karakaian: also
5:08
Sarah Karakaian: how
5:08
Sarah Karakaian: you
5:08
Sarah Karakaian: can
5:08
Sarah Karakaian: maximize
5:09
Sarah Karakaian: the
5:09
Sarah Karakaian: ROI
5:11
Sarah Karakaian: of
5:11
Sarah Karakaian: your
5:11
Sarah Karakaian: rental
5:12
Sarah Karakaian: as
5:12
Sarah Karakaian: a
5:12
Sarah Karakaian: landlord
5:13
Sarah Karakaian: 'cause
5:13
Sarah Karakaian: you
5:13
Sarah Karakaian: can
5:13
Sarah Karakaian: remember
5:14
Sarah Karakaian: Darren
5:14
Sarah Karakaian: is
5:14
Sarah Karakaian: an
5:14
Sarah Karakaian: investor
5:15
Sarah Karakaian: himself.
5:15
Sarah Karakaian: He
5:15
Sarah Karakaian: wants
5:16
Sarah Karakaian: cashflow
5:16
Sarah Karakaian: too,
5:16
Sarah Karakaian: just
5:17
Sarah Karakaian: like
5:17
Sarah Karakaian: you
5:17
Sarah Karakaian: all
5:18
Sarah Karakaian: do.
5:18
Sarah Karakaian: So
5:18
Sarah Karakaian: I,
5:19
Sarah Karakaian: he,
5:19
Sarah Karakaian: he
5:19
Sarah Karakaian: threw
5:19
Sarah Karakaian: me
5:20
Sarah Karakaian: for
5:20
Sarah Karakaian: a
5:20
Sarah Karakaian: loop
5:20
Sarah Karakaian: with
5:21
Sarah Karakaian: a
5:21
Sarah Karakaian: couple
5:21
Sarah Karakaian: of
5:21
Sarah Karakaian: his
5:21
Sarah Karakaian: tips,
5:22
Sarah Karakaian: especially
5:22
Sarah Karakaian: being
5:23
Sarah Karakaian: the
5:23
Sarah Karakaian: CEO
5:24
Sarah Karakaian: of
5:24
Sarah Karakaian: an
5:24
Sarah Karakaian: insurance
5:25
Sarah Karakaian: company.
5:26
Sarah Karakaian: Darren,
5:27
Sarah Karakaian: there's
5:27
Sarah Karakaian: nothing
5:27
Sarah Karakaian: like
5:27
Sarah Karakaian: welcoming
5:28
Sarah Karakaian: you
5:28
Sarah Karakaian: to
5:28
Sarah Karakaian: the
5:28
Sarah Karakaian: TFE
5:29
Sarah Karakaian: podcast
5:30
Sarah Karakaian: than
5:30
Sarah Karakaian: by
5:30
Sarah Karakaian: asking
5:31
Sarah Karakaian: you
5:31
Sarah Karakaian: about
5:32
Sarah Karakaian: this
5:32
Sarah Karakaian: tragic
5:33
Sarah Karakaian: loss
5:33
Sarah Karakaian: you
5:33
Sarah Karakaian: experienced
5:34
Sarah Karakaian: that
5:35
Sarah Karakaian: catapulted
5:36
Sarah Karakaian: this
5:36
Sarah Karakaian: next
5:37
Sarah Karakaian: journey
5:38
Sarah Karakaian: in
5:38
Sarah Karakaian: your
5:38
Sarah Karakaian: life.
5:38
Sarah Karakaian: Can
5:38
Sarah Karakaian: you
5:38
Sarah Karakaian: share
5:39
Sarah Karakaian: what
5:39
Sarah Karakaian: happened
5:40
Sarah Karakaian: that
5:41
Sarah Karakaian: inspired
5:42
Sarah Karakaian: Steadily?
5:44
Darren Nix: I
5:44
Darren Nix: made
5:45
Darren Nix: so
5:45
Darren Nix: many
5:45
Darren Nix: mistakes
5:45
Darren Nix: as
5:46
Darren Nix: a
5:46
Darren Nix: property
5:46
Darren Nix: investor.
5:47
Darren Nix: That's
5:47
Darren Nix: probably
5:48
Darren Nix: the
5:48
Darren Nix: third
5:49
Darren Nix: one
5:49
Darren Nix: that
5:49
Darren Nix: I
5:49
Darren Nix: made,
5:49
Darren Nix: but
5:49
Darren Nix: certainly
5:50
Darren Nix: the
5:50
Darren Nix: most
5:50
Darren Nix: expensive.
5:51
Darren Nix: So
5:52
Darren Nix: it
5:52
Darren Nix: was
5:52
Darren Nix: a
5:52
Darren Nix: property
5:52
Darren Nix: in
5:53
Darren Nix: South
5:53
Darren Nix: Carolina.
5:54
Darren Nix: Second
5:54
Darren Nix: one
5:54
Darren Nix: that
5:54
Darren Nix: I
5:54
Darren Nix: had
5:55
Darren Nix: owned.
5:55
Darren Nix: I
5:56
Darren Nix: was
5:56
Darren Nix: two
5:56
Darren Nix: years
5:57
Darren Nix: into
5:57
Darren Nix: being
5:57
Darren Nix: a
5:58
Darren Nix: property
5:58
Darren Nix: investor
5:58
Darren Nix: and
5:59
Darren Nix: I
5:59
Darren Nix: got
5:59
Darren Nix: a
5:59
Darren Nix: call
5:59
Darren Nix: from
5:59
Darren Nix: my
6:00
Darren Nix: property
6:01
Darren Nix: manager,
6:01
Darren Nix: which
6:01
Darren Nix: was
6:02
Darren Nix: unusual.
6:02
Darren Nix: They
6:02
Darren Nix: never
6:02
Darren Nix: call
6:03
Darren Nix: me.
6:04
Darren Nix: And
6:04
Darren Nix: I,
6:04
Darren Nix: I
6:04
Darren Nix: screened
6:05
Darren Nix: the
6:05
Darren Nix: call
6:05
Darren Nix: the
6:05
Darren Nix: first
6:05
Darren Nix: time
6:05
Darren Nix: 'cause
6:06
Darren Nix: on
6:06
Darren Nix: it's
6:06
Darren Nix: in
6:06
Darren Nix: a
6:06
Darren Nix: meeting,
6:06
Darren Nix: and
6:06
Darren Nix: then
6:07
Darren Nix: the
6:07
Darren Nix: phone
6:07
Darren Nix: immediately
6:07
Darren Nix: rang
6:07
Darren Nix: again
6:08
Darren Nix: like
6:08
Darren Nix: a
6:08
Darren Nix: minute
6:08
Darren Nix: later
6:09
Darren Nix: and
6:09
Darren Nix: I
6:09
Darren Nix: was
6:09
Darren Nix: like,
6:09
Darren Nix: okay.
6:10
Darren Nix: I
6:10
Darren Nix: probably
6:11
Darren Nix: need
6:11
Darren Nix: to
6:11
Darren Nix: take
6:11
Darren Nix: this.
6:12
Darren Nix: So
6:12
Darren Nix: I
6:12
Darren Nix: pick
6:13
Darren Nix: up
6:13
Darren Nix: the
6:13
Darren Nix: phone
6:13
Darren Nix: and
6:13
Darren Nix: she
6:13
Darren Nix: says,
6:13
Darren Nix: Hey,
6:14
Darren Nix: um,
6:15
Darren Nix: I
6:15
Darren Nix: have
6:15
Darren Nix: some,
6:16
Darren Nix: I
6:16
Darren Nix: have
6:16
Darren Nix: some
6:16
Darren Nix: bad
6:17
Darren Nix: news.
6:17
Darren Nix: Your
6:18
Darren Nix: property
6:19
Darren Nix: burned
6:19
Darren Nix: down.
6:20
Darren Nix: And
6:20
Darren Nix: I'm
6:20
Darren Nix: like,
6:21
Darren Nix: what?
6:22
Darren Nix: You
6:22
Darren Nix: know,
6:22
Darren Nix: like
6:22
Darren Nix: it,
6:22
Darren Nix: when
6:23
Darren Nix: you
6:23
Darren Nix: get
6:23
Darren Nix: that
6:23
Darren Nix: kind
6:23
Darren Nix: of
6:23
Darren Nix: news,
6:24
Darren Nix: it's,
6:24
Darren Nix: it
6:25
Darren Nix: takes
6:25
Darren Nix: a
6:25
Darren Nix: minute
6:25
Darren Nix: for
6:26
Darren Nix: your
6:26
Darren Nix: brain
6:26
Darren Nix: to
6:26
Darren Nix: catch
6:26
Darren Nix: up
6:27
Darren Nix: to
6:27
Darren Nix: that
6:27
Darren Nix: surprise.
6:27
Darren Nix: So
6:27
Darren Nix: I
6:28
Darren Nix: am,
6:28
Darren Nix: I'm
6:28
Darren Nix: kind
6:28
Darren Nix: of
6:28
Darren Nix: speechless
6:29
Darren Nix: for
6:29
Darren Nix: 15
6:29
Darren Nix: seconds
6:30
Darren Nix: or
6:30
Darren Nix: so,
6:30
Darren Nix: and
6:30
Darren Nix: she's
6:30
Darren Nix: like,
6:31
Darren Nix: yeah,
6:31
Darren Nix: so,
6:32
Darren Nix: they
6:33
Darren Nix: think
6:33
Darren Nix: there
6:33
Darren Nix: was
6:33
Darren Nix: a
6:33
Darren Nix: space
6:34
Darren Nix: heater
6:34
Darren Nix: or
6:35
Darren Nix: something
6:36
Darren Nix: and
6:37
Darren Nix: the
6:37
Darren Nix: fire
6:37
Darren Nix: trucks
6:37
Darren Nix: are
6:38
Darren Nix: out
6:38
Darren Nix: and
6:38
Darren Nix: it's
6:38
Darren Nix: on
6:38
Darren Nix: the
6:39
Darren Nix: news.
6:40
Darren Nix: And
6:40
Darren Nix: so
6:40
Darren Nix: I
6:40
Darren Nix: go
6:40
Darren Nix: to
6:40
Darren Nix: the,
6:40
Darren Nix: I
6:41
Darren Nix: pull
6:41
Darren Nix: up
6:41
Darren Nix: the
6:41
Darren Nix: local
6:41
Darren Nix: TV
6:42
Darren Nix: station
6:42
Darren Nix: 'cause
6:43
Darren Nix: this
6:43
Darren Nix: property
6:43
Darren Nix: is
6:43
Darren Nix: 1500
6:44
Darren Nix: miles
6:44
Darren Nix: away.
6:44
Darren Nix: I'm
6:44
Darren Nix: living
6:45
Darren Nix: in
6:45
Darren Nix: Texas
6:45
Darren Nix: and
6:45
Darren Nix: the
6:45
Darren Nix: property
6:46
Darren Nix: is
6:46
Darren Nix: in
6:46
Darren Nix: South
6:46
Darren Nix: Carolina.
6:48
Darren Nix: And
6:48
Darren Nix: yeah,
6:49
Darren Nix: one
6:49
Darren Nix: of
6:49
Darren Nix: the
6:49
Darren Nix: tenants
6:50
Darren Nix: had
6:50
Darren Nix: gone
6:50
Darren Nix: for
6:50
Darren Nix: work
6:51
Darren Nix: and
6:51
Darren Nix: a
6:51
Darren Nix: space
6:51
Darren Nix: heater
6:51
Darren Nix: had
6:52
Darren Nix: knocked
6:53
Darren Nix: over
6:53
Darren Nix: and
6:53
Darren Nix: it
6:54
Darren Nix: was
6:54
Darren Nix: a
6:54
Darren Nix: triplex,
6:54
Darren Nix: the
6:55
Darren Nix: middle
6:55
Darren Nix: unit,
6:55
Darren Nix: and
6:55
Darren Nix: a
6:55
Darren Nix: triplex
6:56
Darren Nix: and
6:56
Darren Nix: it
6:56
Darren Nix: basically
6:57
Darren Nix: burned
6:57
Darren Nix: it
6:57
Darren Nix: to
6:57
Darren Nix: the
6:57
Darren Nix: ground.
6:58
Darren Nix: But
6:58
Darren Nix: it's
6:58
Darren Nix: kind
6:58
Darren Nix: of
6:58
Darren Nix: a
6:58
Darren Nix: testament
6:59
Darren Nix: to
6:59
Darren Nix: the
6:59
Darren Nix: quality
7:00
Darren Nix: of
7:00
Darren Nix: the
7:01
Darren Nix: construction
7:01
Darren Nix: that
7:02
Darren Nix: the
7:02
Darren Nix: units
7:02
Darren Nix: on
7:02
Darren Nix: either
7:02
Darren Nix: side
7:03
Darren Nix: were
7:03
Darren Nix: actually
7:04
Darren Nix: okay
7:06
Darren Nix: and
7:06
Darren Nix: 11
7:07
Darren Nix: months
7:07
Darren Nix: later,
7:08
Darren Nix: $250,000
7:09
Darren Nix: in
7:10
Darren Nix: repairs.
7:11
Darren Nix: Um,
7:11
Darren Nix: plus
7:12
Darren Nix: some,
7:12
Darren Nix: you
7:12
Darren Nix: know,
7:13
Darren Nix: loss
7:13
Darren Nix: of
7:13
Darren Nix: rent
7:13
Darren Nix: and
7:13
Darren Nix: paying
7:14
Darren Nix: for
7:14
Darren Nix: my
7:14
Darren Nix: tenants,
7:15
Darren Nix: uh,
7:16
Darren Nix: hotel
7:16
Darren Nix: bill
7:16
Darren Nix: and
7:16
Darren Nix: everything.
7:17
Darren Nix: That
7:17
Darren Nix: was,
7:18
Darren Nix: that
7:18
Darren Nix: was
7:18
Darren Nix: my
7:18
Darren Nix: journey
7:19
Darren Nix: into
7:19
Darren Nix: the
7:19
Darren Nix: wonderful
7:19
Darren Nix: world
7:20
Darren Nix: of
7:20
Darren Nix: huge
7:21
Darren Nix: insurance
7:21
Darren Nix: claims
7:22
Darren Nix: for
7:22
Darren Nix: rental
7:22
Darren Nix: properties.
7:23
Darren Nix: This
7:23
Darren Nix: was
7:23
Darren Nix: well
7:24
Darren Nix: before
7:24
Darren Nix: I
7:24
Darren Nix: started
7:24
Darren Nix: settling,
7:25
Darren Nix: by
7:25
Darren Nix: the
7:25
Darren Nix: way.
7:25
Darren Nix: This
7:25
Darren Nix: was
7:25
Darren Nix: just
7:26
Darren Nix: the,
7:26
Darren Nix: one
7:27
Darren Nix: of
7:27
Darren Nix: the
7:27
Darren Nix: many
7:27
Darren Nix: things
7:27
Darren Nix: that
7:27
Darren Nix: set
7:28
Darren Nix: me
7:28
Darren Nix: on
7:28
Darren Nix: that
7:28
Darren Nix: path.
7:29
Sarah Karakaian: You,
7:29
Sarah Karakaian: your
7:30
Sarah Karakaian: experience
7:31
Sarah Karakaian: was
7:32
Sarah Karakaian: dealing
7:33
Sarah Karakaian: with
7:33
Sarah Karakaian: the
7:33
Sarah Karakaian: insurance
7:33
Sarah Karakaian: company
7:34
Sarah Karakaian: was
7:35
Sarah Karakaian: tough
7:36
Sarah Karakaian: and
7:36
Sarah Karakaian: it
7:37
Sarah Karakaian: took
7:37
Sarah Karakaian: a
7:37
Sarah Karakaian: long
7:37
Sarah Karakaian: time
7:38
Sarah Karakaian: and
7:38
Sarah Karakaian: it
7:38
Sarah Karakaian: seemed
7:39
Sarah Karakaian: like
7:39
Sarah Karakaian: maybe
7:39
Sarah Karakaian: you
7:39
Sarah Karakaian: were
7:39
Sarah Karakaian: confused
7:40
Sarah Karakaian: about
7:40
Sarah Karakaian: the
7:40
Sarah Karakaian: process
7:41
Sarah Karakaian: and
7:41
Sarah Karakaian: you
7:41
Sarah Karakaian: were
7:41
Sarah Karakaian: just
7:41
Sarah Karakaian: unimpressed.
7:43
Darren Nix: Incredibly
7:44
Darren Nix: confused.
7:44
Darren Nix: And
7:45
Darren Nix: about
7:45
Darren Nix: 11
7:46
Darren Nix: months
7:46
Darren Nix: beginning
7:47
Darren Nix: to
7:47
Darren Nix: end
7:48
Darren Nix: there
7:49
Darren Nix: was,
7:49
Darren Nix: I
7:49
Darren Nix: kept
7:50
Darren Nix: getting
7:50
Darren Nix: these,
7:51
Darren Nix: I,
7:52
Darren Nix: I
7:52
Darren Nix: guess
7:52
Darren Nix: it
7:52
Darren Nix: was
7:52
Darren Nix: more
7:53
Darren Nix: of,
7:53
Darren Nix: I,
7:53
Darren Nix: I
7:53
Darren Nix: didn't
7:53
Darren Nix: even
7:54
Darren Nix: know
7:54
Darren Nix: where
7:54
Darren Nix: to
7:54
Darren Nix: start
7:55
Darren Nix: because
7:55
Darren Nix: I
7:55
Darren Nix: am,
7:56
Darren Nix: this
7:56
Darren Nix: property
7:57
Darren Nix: burns
7:57
Darren Nix: down.
7:58
Darren Nix: I
7:59
Darren Nix: call
7:59
Darren Nix: the
7:59
Darren Nix: insurance
7:59
Darren Nix: company,
8:00
Darren Nix: I
8:00
Darren Nix: say
8:00
Darren Nix: the
8:00
Darren Nix: property
8:01
Darren Nix: burned
8:01
Darren Nix: down.
8:01
Darren Nix: And
8:01
Darren Nix: they're
8:01
Darren Nix: like,
8:02
Darren Nix: okay,
8:02
Darren Nix: thanks
8:03
Darren Nix: for
8:03
Darren Nix: letting
8:03
Darren Nix: us
8:03
Darren Nix: know.
8:03
Darren Nix: Like,
8:05
Darren Nix: um,
8:06
Darren Nix: do
8:06
Darren Nix: you
8:06
Darren Nix: have
8:06
Darren Nix: a,
8:07
Darren Nix: like,
8:08
Darren Nix: has
8:08
Darren Nix: work
8:08
Darren Nix: started
8:09
Darren Nix: on
8:09
Darren Nix: repairing
8:10
Darren Nix: it?
8:10
Darren Nix: And
8:10
Darren Nix: I'm
8:10
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8:11
Darren Nix: uh,
8:12
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8:12
Darren Nix: so
8:13
Darren Nix: should
8:13
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8:13
Darren Nix: am
8:14
Darren Nix: I
8:14
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8:14
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8:14
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8:14
Darren Nix: and
8:14
Darren Nix: find
8:14
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8:15
Darren Nix: contractor
8:16
Darren Nix: and
8:16
Darren Nix: then
8:16
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8:16
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8:17
Darren Nix: you
8:17
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8:17
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8:17
Darren Nix: Like
8:17
Darren Nix: how
8:18
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8:18
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8:18
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8:19
Darren Nix: And.
8:21
Darren Nix: So
8:21
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8:21
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8:21
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8:21
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8:21
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8:22
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8:22
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8:22
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8:22
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8:22
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8:22
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8:23
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8:23
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8:23
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8:24
Darren Nix: because
8:24
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8:24
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8:25
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8:25
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8:25
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8:25
Darren Nix: Talked
8:26
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8:26
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8:26
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8:26
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8:26
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8:27
Darren Nix: finally
8:27
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8:27
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8:27
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8:28
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8:28
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8:29
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8:29
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8:29
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8:29
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8:29
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8:29
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8:30
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8:30
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8:31
Darren Nix: A
8:31
Darren Nix: few
8:31
Darren Nix: weeks
8:31
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8:31
Darren Nix: by,
8:32
Darren Nix: they
8:32
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8:33
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8:33
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8:33
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8:34
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8:34
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8:34
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8:35
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8:35
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8:35
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8:35
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8:35
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8:36
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8:36
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8:36
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8:37
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8:37
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8:38
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8:38
Darren Nix: property
8:38
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8:38
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8:39
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8:39
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8:39
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8:40
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8:40
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8:40
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8:40
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8:41
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8:42
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8:43
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8:43
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8:43
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8:44
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8:44
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8:44
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8:44
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8:45
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8:45
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8:46
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8:47
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8:47
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8:47
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8:47
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8:48
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8:49
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8:49
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8:50
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8:50
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8:50
Darren Nix: I
8:51
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8:51
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8:51
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8:51
Darren Nix: He
8:51
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8:52
Darren Nix: working
8:52
Darren Nix: on
8:52
Darren Nix: the
8:52
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8:53
Darren Nix: and
8:54
Darren Nix: a
8:54
Darren Nix: long
8:55
Darren Nix: time
8:55
Darren Nix: later,
8:56
Darren Nix: um,
8:56
Darren Nix: the
8:57
Darren Nix: property
8:57
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8:57
Darren Nix: repaired,
8:58
Darren Nix: but
8:58
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8:58
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8:59
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8:59
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8:59
Darren Nix: way
8:59
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9:00
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9:01
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9:01
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9:01
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9:01
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9:02
Darren Nix: about
9:02
Darren Nix: $30,000
9:03
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9:04
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9:04
Darren Nix: pocket
9:05
Darren Nix: above
9:05
Darren Nix: and
9:05
Darren Nix: beyond
9:06
Darren Nix: what
9:06
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9:06
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9:06
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9:06
Darren Nix: for
9:07
Darren Nix: because
9:07
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9:07
Darren Nix: some
9:07
Darren Nix: mistakes
9:08
Darren Nix: I
9:08
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9:08
Darren Nix: along
9:08
Darren Nix: the
9:09
Darren Nix: way
9:09
Darren Nix: of
9:09
Darren Nix: organizing
9:09
Darren Nix: it.
9:10
Darren Nix: And
9:10
Darren Nix: I
9:10
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9:10
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9:11
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9:11
Darren Nix: the
9:11
Darren Nix: main
9:11
Darren Nix: takeaways
9:12
Darren Nix: that
9:12
Darren Nix: I
9:12
Darren Nix: had
9:12
Darren Nix: was
9:13
Darren Nix: just,
9:14
Darren Nix: I
9:14
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9:14
Darren Nix: know
9:15
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9:15
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9:15
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9:15
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9:16
Darren Nix: And
9:16
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9:16
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9:17
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9:17
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9:17
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9:19
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9:19
Darren Nix: folks
9:19
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9:19
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9:20
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9:20
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9:21
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9:21
Darren Nix: insurance
9:22
Darren Nix: claims
9:22
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9:22
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9:22
Darren Nix: and
9:22
Darren Nix: day
9:22
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9:23
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9:23
Darren Nix: sort
9:23
Darren Nix: of
9:23
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9:24
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9:24
Darren Nix: and
9:24
Darren Nix: say,
9:24
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9:25
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9:25
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9:25
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9:26
Darren Nix: This
9:26
Darren Nix: is
9:26
Darren Nix: what
9:26
Darren Nix: we
9:27
Darren Nix: do.
9:27
Darren Nix: We'll
9:28
Darren Nix: let
9:28
Darren Nix: you
9:28
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9:28
Darren Nix: when
9:28
Darren Nix: it's
9:28
Darren Nix: done.
9:28
Darren Nix: Because
9:29
Darren Nix: that's
9:29
Darren Nix: what
9:29
Darren Nix: had
9:29
Darren Nix: happened
9:29
Darren Nix: when
9:30
Darren Nix: I'm,
9:30
Darren Nix: when
9:30
Darren Nix: my
9:30
Darren Nix: car
9:31
Darren Nix: had
9:31
Darren Nix: gotten
9:31
Darren Nix: damaged,
9:31
Darren Nix: you
9:31
Darren Nix: know,
9:32
Darren Nix: five
9:32
Darren Nix: or
9:32
Darren Nix: six
9:32
Darren Nix: years
9:32
Darren Nix: earlier,
9:33
Darren Nix: I'd
9:33
Darren Nix: been
9:33
Darren Nix: in
9:33
Darren Nix: a
9:33
Darren Nix: car
9:33
Darren Nix: crash.
9:34
Darren Nix: I
9:34
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9:34
Darren Nix: the
9:34
Darren Nix: claim
9:35
Darren Nix: and
9:35
Darren Nix: they
9:35
Darren Nix: said,
9:35
Darren Nix: take
9:35
Darren Nix: it
9:36
Darren Nix: here,
9:36
Darren Nix: do
9:37
Darren Nix: these
9:37
Darren Nix: things.
9:37
Darren Nix: You'll
9:37
Darren Nix: get
9:38
Darren Nix: the
9:38
Darren Nix: car
9:38
Darren Nix: back
9:38
Darren Nix: in
9:38
Darren Nix: three
9:38
Darren Nix: weeks.
9:38
Darren Nix: Here's
9:39
Darren Nix: a
9:39
Darren Nix: loaner.
9:39
Darren Nix: And
9:39
Darren Nix: it
9:39
Darren Nix: was
9:39
Darren Nix: kind
9:39
Darren Nix: of
9:39
Darren Nix: like
9:40
Darren Nix: painless.
9:41
Darren Nix: But
9:41
Darren Nix: getting
9:42
Darren Nix: a,
9:42
Darren Nix: a
9:42
Darren Nix: rental
9:42
Darren Nix: property
9:43
Darren Nix: repaired
9:44
Darren Nix: from
9:44
Darren Nix: 1500
9:45
Darren Nix: miles
9:45
Darren Nix: away
9:45
Darren Nix: was
9:46
Darren Nix: the
9:46
Darren Nix: complete
9:47
Darren Nix: antithesis
9:47
Darren Nix: of
9:47
Darren Nix: that.
9:48
Darren Nix: It
9:48
Darren Nix: was,
9:49
Darren Nix: it
9:49
Darren Nix: was
9:50
Darren Nix: bad.
9:51
Sarah Karakaian: Was
9:51
Sarah Karakaian: this
9:52
Sarah Karakaian: your
9:52
Sarah Karakaian: last
9:52
Sarah Karakaian: rental
9:52
Sarah Karakaian: property
9:53
Sarah Karakaian: or
9:53
Sarah Karakaian: did
9:53
Sarah Karakaian: you
9:53
Sarah Karakaian: continue
9:54
Sarah Karakaian: to
9:54
Sarah Karakaian: invest?
9:56
Darren Nix: I'm
9:56
Darren Nix: a
9:56
Darren Nix: glutton
9:57
Darren Nix: for
9:57
Darren Nix: punishment,
9:57
Darren Nix: so
9:59
Darren Nix: I
9:59
Darren Nix: kept
9:59
Darren Nix: buying
9:59
Darren Nix: more.
10:00
Darren Nix: I,
10:02
Darren Nix: South
10:02
Darren Nix: Carolina
10:02
Darren Nix: was
10:03
Darren Nix: a
10:04
Darren Nix: one
10:04
Darren Nix: of
10:04
Darren Nix: the
10:04
Darren Nix: many
10:04
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10:05
Darren Nix: that
10:05
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10:05
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10:05
Darren Nix: as
10:05
Darren Nix: a
10:05
Darren Nix: rental
10:06
Darren Nix: property
10:06
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10:06
Darren Nix: Not
10:06
Darren Nix: because
10:07
Darren Nix: there's
10:07
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10:07
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10:07
Darren Nix: with
10:08
Darren Nix: that
10:08
Darren Nix: market,
10:09
Darren Nix: but
10:09
Darren Nix: because
10:10
Darren Nix: it
10:10
Darren Nix: was
10:10
Darren Nix: the
10:10
Darren Nix: one
10:11
Darren Nix: part
10:11
Darren Nix: of
10:11
Darren Nix: the
10:11
Darren Nix: country
10:11
Darren Nix: that
10:11
Darren Nix: I
10:11
Darren Nix: had
10:12
Darren Nix: never
10:12
Darren Nix: lived
10:12
Darren Nix: in.
10:13
Darren Nix: So,
10:14
Darren Nix: previous
10:14
Darren Nix: to
10:14
Darren Nix: that,
10:16
Darren Nix: I
10:16
Darren Nix: bought
10:16
Darren Nix: a,
10:17
Darren Nix: my
10:17
Darren Nix: first
10:17
Darren Nix: property
10:17
Darren Nix: was
10:17
Darren Nix: in
10:17
Darren Nix: Chicago,
10:18
Darren Nix: in
10:18
Darren Nix: a
10:18
Darren Nix: neighborhood
10:19
Darren Nix: where
10:19
Darren Nix: I
10:19
Darren Nix: used
10:19
Darren Nix: to
10:19
Darren Nix: live
10:20
Darren Nix: Indianapolis,
10:21
Darren Nix: and
10:22
Darren Nix: where
10:22
Darren Nix: I
10:22
Darren Nix: grew
10:22
Darren Nix: up
10:23
Darren Nix: in
10:24
Darren Nix: Texas.
10:25
Darren Nix: Kansas
10:25
Darren Nix: City.
10:26
Darren Nix: These
10:26
Darren Nix: were
10:26
Darren Nix: all
10:26
Darren Nix: markets.
10:26
Darren Nix: In
10:26
Darren Nix: places
10:27
Darren Nix: where
10:27
Darren Nix: I
10:27
Darren Nix: had
10:27
Darren Nix: family,
10:28
Darren Nix: I'd
10:28
Darren Nix: spent
10:28
Darren Nix: a
10:28
Darren Nix: bunch
10:28
Darren Nix: of
10:28
Darren Nix: time,
10:28
Darren Nix: so
10:29
Darren Nix: I
10:29
Darren Nix: knew
10:29
Darren Nix: the
10:29
Darren Nix: markets.
10:30
Darren Nix: South
10:30
Darren Nix: Carolina
10:31
Darren Nix: was
10:31
Darren Nix: one
10:31
Darren Nix: that
10:31
Darren Nix: I
10:31
Darren Nix: picked
10:32
Darren Nix: by
10:32
Darren Nix: looking
10:32
Darren Nix: at
10:32
Darren Nix: the
10:34
Darren Nix: rent
10:34
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10:34
Darren Nix: buy
10:35
Darren Nix: ratios
10:35
Darren Nix: and
10:36
Darren Nix: being
10:36
Darren Nix: really
10:36
Darren Nix: quantitative
10:37
Darren Nix: about
10:37
Darren Nix: it
10:37
Darren Nix: in
10:37
Darren Nix: spreadsheets,
10:38
Darren Nix: and
10:38
Darren Nix: it's
10:39
Darren Nix: not
10:39
Darren Nix: a
10:39
Darren Nix: coincidence
10:39
Darren Nix: that
10:39
Darren Nix: that
10:40
Darren Nix: one
10:40
Darren Nix: went
10:40
Darren Nix: badly.
10:41
Annette Grant: Interesting.
10:42
Annette Grant: I,
10:43
Annette Grant: I
10:43
Annette Grant: like
10:43
Annette Grant: that
10:43
Annette Grant: you
10:43
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10:44
Annette Grant: that
10:44
Annette Grant: 'cause
10:44
Annette Grant: in
10:44
Annette Grant: the
10:44
Annette Grant: short
10:44
Annette Grant: term
10:44
Annette Grant: rental
10:45
Annette Grant: space,
10:45
Annette Grant: so
10:45
Annette Grant: many
10:46
Annette Grant: people
10:46
Annette Grant: just
10:47
Annette Grant: want
10:47
Annette Grant: the
10:47
Annette Grant: best
10:48
Annette Grant: buy.
10:48
Annette Grant: And
10:48
Annette Grant: there's
10:49
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10:49
Annette Grant: many,
10:49
Annette Grant: Sarah
10:50
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10:50
Annette Grant: I
10:50
Annette Grant: chat
10:50
Annette Grant: often
10:51
Annette Grant: about
10:51
Annette Grant: how
10:52
Annette Grant: the
10:52
Annette Grant: spreadsheet
10:52
Annette Grant: doesn't
10:53
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10:53
Annette Grant: the
10:53
Annette Grant: whole
10:54
Annette Grant: story.
10:54
Annette Grant: There's
10:54
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10:54
Annette Grant: lot
10:55
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10:55
Annette Grant: other,
10:56
Annette Grant: other
10:56
Annette Grant: reasons
10:57
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10:57
Annette Grant: purchase
10:57
Annette Grant: a
10:57
Annette Grant: property.
10:58
Annette Grant: Um,
10:59
Annette Grant: besides.
11:00
Annette Grant: You
11:00
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11:00
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11:01
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11:01
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11:02
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11:02
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11:02
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11:03
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11:03
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11:03
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11:04
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11:04
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11:05
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11:05
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11:05
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11:05
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11:06
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11:06
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11:06
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11:06
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11:06
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11:06
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11:07
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11:07
Annette Grant: like
11:07
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11:07
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11:08
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11:08
Annette Grant: there's
11:08
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11:09
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11:09
Annette Grant: part
11:09
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11:09
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11:09
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11:10
Annette Grant: We
11:10
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11:11
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11:11
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11:11
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11:12
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11:12
Annette Grant: let's
11:12
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11:12
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11:13
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11:13
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11:14
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11:14
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11:15
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11:15
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11:15
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11:16
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11:16
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11:17
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11:17
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11:17
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11:17
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11:17
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11:17
Annette Grant: the
11:18
Annette Grant: first
11:18
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11:18
Annette Grant: everybody
11:19
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11:19
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11:19
Annette Grant: this
11:19
Annette Grant: day,
11:20
Annette Grant: whether
11:20
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11:20
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11:20
Annette Grant: new
11:20
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11:21
Annette Grant: a
11:21
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11:21
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11:22
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11:23
Annette Grant: still
11:23
Annette Grant: wanna
11:23
Annette Grant: talk
11:23
Annette Grant: about
11:24
Annette Grant: the
11:24
Annette Grant: guest
11:25
Annette Grant: and
11:26
Annette Grant: the
11:26
Annette Grant: guest
11:26
Annette Grant: damaging
11:27
Annette Grant: a
11:27
Annette Grant: property
11:27
Annette Grant: or
11:28
Annette Grant: the
11:28
Annette Grant: guest
11:28
Annette Grant: having
11:28
Annette Grant: a
11:28
Annette Grant: party.
11:29
Annette Grant: But
11:29
Annette Grant: we
11:29
Annette Grant: know,
11:29
Annette Grant: you
11:30
Annette Grant: know,
11:30
Annette Grant: from
11:30
Annette Grant: data
11:32
Annette Grant: that
11:32
Annette Grant: isn't
11:33
Annette Grant: what
11:33
Annette Grant: most
11:33
Annette Grant: insurance
11:34
Annette Grant: claims
11:34
Annette Grant: are
11:34
Annette Grant: on
11:35
Annette Grant: short-term
11:35
Annette Grant: rentals.
11:35
Annette Grant: Can
11:36
Annette Grant: you
11:36
Annette Grant: kind
11:36
Annette Grant: of
11:36
Annette Grant: debunk,
11:37
Annette Grant: um,
11:38
Annette Grant: those
11:38
Annette Grant: myths
11:38
Annette Grant: and
11:38
Annette Grant: like
11:39
Annette Grant: what
11:39
Annette Grant: are
11:39
Annette Grant: actually
11:40
Annette Grant: the
11:40
Annette Grant: things
11:40
Annette Grant: that
11:40
Annette Grant: people
11:40
Annette Grant: are
11:40
Annette Grant: claiming
11:41
Annette Grant: in
11:41
Annette Grant: their
11:41
Annette Grant: short-term
11:41
Annette Grant: rentals
11:42
Annette Grant: the
11:42
Annette Grant: most?
11:42
Annette Grant: Just
11:42
Annette Grant: to
11:42
Annette Grant: kind
11:43
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11:43
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11:43
Annette Grant: that
11:43
Annette Grant: for,
11:44
Annette Grant: for
11:44
Annette Grant: ourselves
11:44
Annette Grant: and
11:44
Annette Grant: our
11:44
Annette Grant: listeners.
11:46
Darren Nix: The
11:47
Darren Nix: single
11:47
Darren Nix: biggest
11:47
Darren Nix: loss
11:48
Darren Nix: is
11:48
Darren Nix: fire,
11:50
Darren Nix: fires
11:50
Darren Nix: don't
11:50
Darren Nix: happen
11:51
Darren Nix: all
11:51
Darren Nix: that
11:51
Darren Nix: often.
11:52
Darren Nix: When
11:52
Darren Nix: they
11:52
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11:54
Darren Nix: it's
11:54
Darren Nix: gonna
11:54
Darren Nix: be
11:54
Darren Nix: a
11:54
Darren Nix: hundred
11:54
Darren Nix: thousand
11:55
Darren Nix: dollars.
11:56
Darren Nix: And
11:56
Darren Nix: in
11:56
Darren Nix: fact,
11:57
Darren Nix: the
11:57
Darren Nix: average
11:58
Darren Nix: amount
11:58
Darren Nix: of
11:59
Darren Nix: a
11:59
Darren Nix: fire
12:00
Darren Nix: claim
12:00
Darren Nix: is
12:01
Darren Nix: $95,000,
12:03
Darren Nix: sometimes
12:03
Darren Nix: much
12:04
Darren Nix: more.
12:05
Darren Nix: The
12:05
Darren Nix: second
12:05
Darren Nix: biggest
12:06
Darren Nix: loss
12:07
Darren Nix: is
12:07
Darren Nix: going
12:07
Darren Nix: to
12:07
Darren Nix: be
12:08
Darren Nix: wind.
12:09
Darren Nix: So
12:09
Darren Nix: that's
12:09
Darren Nix: when
12:10
Darren Nix: hail
12:12
Darren Nix: or
12:12
Darren Nix: a
12:12
Darren Nix: tree
12:13
Darren Nix: blows
12:13
Darren Nix: over
12:13
Darren Nix: and
12:13
Darren Nix: falls
12:14
Darren Nix: on
12:14
Darren Nix: your
12:14
Darren Nix: roof.
12:15
Darren Nix: Hail
12:16
Darren Nix: is
12:16
Darren Nix: gonna
12:16
Darren Nix: be
12:17
Darren Nix: a
12:17
Darren Nix: $15,000
12:18
Darren Nix: claim
12:18
Darren Nix: 'cause
12:18
Darren Nix: that's
12:18
Darren Nix: what
12:18
Darren Nix: it
12:18
Darren Nix: costs
12:19
Darren Nix: to
12:19
Darren Nix: build
12:19
Darren Nix: the
12:19
Darren Nix: average
12:19
Darren Nix: new
12:20
Darren Nix: roof.
12:21
Darren Nix: If
12:21
Darren Nix: a
12:21
Darren Nix: tree
12:21
Darren Nix: blows
12:21
Darren Nix: over,
12:22
Darren Nix: now
12:22
Darren Nix: it's
12:22
Darren Nix: $50,000
12:24
Darren Nix: because
12:25
Darren Nix: you're
12:25
Darren Nix: not
12:25
Darren Nix: just
12:25
Darren Nix: repairing
12:26
Darren Nix: the
12:26
Darren Nix: roof,
12:26
Darren Nix: now
12:26
Darren Nix: you're
12:26
Darren Nix: replaying.
12:27
Darren Nix: Now
12:27
Darren Nix: you
12:27
Darren Nix: have
12:27
Darren Nix: to
12:27
Darren Nix: pay
12:27
Darren Nix: to
12:27
Darren Nix: get
12:28
Darren Nix: the
12:28
Darren Nix: tree
12:28
Darren Nix: cut
12:29
Darren Nix: down,
12:29
Darren Nix: hauled
12:29
Darren Nix: off
12:30
Darren Nix: of
12:30
Darren Nix: the
12:30
Darren Nix: crane,
12:31
Darren Nix: get
12:31
Darren Nix: the
12:31
Darren Nix: wall
12:31
Darren Nix: repaired,
12:32
Darren Nix: repainted,
12:32
Darren Nix: et
12:32
Darren Nix: cetera.
12:34
Darren Nix: And
12:34
Darren Nix: then
12:34
Darren Nix: the
12:34
Darren Nix: last
12:34
Darren Nix: one
12:35
Darren Nix: is
12:35
Darren Nix: water.
12:36
Darren Nix: So
12:36
Darren Nix: a
12:36
Darren Nix: pipe
12:36
Darren Nix: burst,
12:37
Darren Nix: hopefully
12:38
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12:38
Darren Nix: bursts
12:38
Darren Nix: on
12:38
Darren Nix: the
12:38
Darren Nix: ground
12:38
Darren Nix: floor,
12:39
Darren Nix: so
12:39
Darren Nix: it
12:39
Darren Nix: just
12:39
Darren Nix: floods,
12:40
Darren Nix: you
12:40
Darren Nix: know,
12:40
Darren Nix: the
12:40
Darren Nix: main
12:41
Darren Nix: floor
12:41
Darren Nix: in
12:41
Darren Nix: the
12:41
Darren Nix: basement
12:41
Darren Nix: if
12:42
Darren Nix: it
12:42
Darren Nix: bursts
12:42
Darren Nix: on
12:42
Darren Nix: the
12:42
Darren Nix: second
12:42
Darren Nix: floor.
12:43
Darren Nix: Now
12:43
Darren Nix: you're
12:43
Darren Nix: talking
12:43
Darren Nix: about
12:44
Darren Nix: replacing
12:44
Darren Nix: a
12:44
Darren Nix: lot
12:44
Darren Nix: of
12:44
Darren Nix: drywall,
12:45
Darren Nix: mold,
12:45
Darren Nix: et
12:45
Darren Nix: cetera.
12:46
Darren Nix: That's
12:46
Darren Nix: typically
12:47
Darren Nix: a
12:47
Darren Nix: $30,000
12:47
Darren Nix: claim.
12:49
Darren Nix: So
12:50
Darren Nix: from
12:50
Darren Nix: my
12:50
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12:51
Darren Nix: as,
12:51
Darren Nix: uh,
12:52
Darren Nix: at
12:52
Darren Nix: my
12:52
Darren Nix: peak,
12:52
Darren Nix: I
12:52
Darren Nix: owned
12:53
Darren Nix: 15
12:53
Darren Nix: doors
12:54
Darren Nix: and
12:54
Darren Nix: some
12:55
Darren Nix: of
12:55
Darren Nix: those
12:55
Darren Nix: were
12:55
Darren Nix: short
12:55
Darren Nix: term
12:56
Darren Nix: and
12:56
Darren Nix: midterm
12:56
Darren Nix: rentals.
12:57
Darren Nix: The
12:58
Darren Nix: tenant
12:58
Darren Nix: damage
12:58
Darren Nix: is
12:58
Darren Nix: really
12:59
Darren Nix: annoying
12:59
Darren Nix: When
12:59
Darren Nix: it
12:59
Darren Nix: happens,
13:00
Darren Nix: don't
13:00
Darren Nix: get
13:00
Darren Nix: me
13:00
Darren Nix: wrong,
13:01
Darren Nix: but
13:01
Darren Nix: it's
13:01
Darren Nix: not
13:01
Darren Nix: the
13:02
Darren Nix: source
13:02
Darren Nix: of
13:02
Darren Nix: the,
13:04
Darren Nix: the
13:04
Darren Nix: really
13:05
Darren Nix: big
13:05
Darren Nix: insurance
13:05
Darren Nix: claims,
13:06
Darren Nix: like
13:06
Darren Nix: the
13:06
Darren Nix: really
13:06
Darren Nix: catastrophic
13:07
Darren Nix: stuff.
13:08
Darren Nix: Those
13:09
Darren Nix: things
13:09
Darren Nix: are
13:09
Darren Nix: the
13:09
Darren Nix: ones
13:09
Darren Nix: that
13:09
Darren Nix: happen
13:10
Darren Nix: a
13:10
Darren Nix: lot
13:10
Darren Nix: more
13:11
Darren Nix: rarely,
13:11
Darren Nix: but
13:11
Darren Nix: when
13:11
Darren Nix: they
13:12
Darren Nix: do
13:12
Darren Nix: happen,
13:12
Darren Nix: they're
13:13
Darren Nix: severe.
13:14
Darren Nix: So
13:14
Darren Nix: in
13:14
Darren Nix: insurance
13:15
Darren Nix: world,
13:15
Darren Nix: we'd
13:15
Darren Nix: call
13:15
Darren Nix: that
13:16
Darren Nix: low
13:16
Darren Nix: frequency,
13:17
Darren Nix: high
13:17
Darren Nix: severity.
13:19
Sarah Karakaian: And,
13:20
Sarah Karakaian: okay,
13:23
Sarah Karakaian: if
13:23
Sarah Karakaian: a
13:23
Sarah Karakaian: host
13:24
Sarah Karakaian: is
13:24
Sarah Karakaian: a
13:24
Sarah Karakaian: new,
13:24
Sarah Karakaian: you
13:24
Sarah Karakaian: know,
13:24
Sarah Karakaian: they're,
13:25
Sarah Karakaian: they're
13:25
Sarah Karakaian: just
13:25
Sarah Karakaian: getting
13:25
Sarah Karakaian: into
13:25
Sarah Karakaian: short-term
13:26
Sarah Karakaian: rentals.
13:26
Sarah Karakaian: They
13:27
Sarah Karakaian: finally
13:28
Sarah Karakaian: understand
13:29
Sarah Karakaian: that
13:29
Sarah Karakaian: they
13:29
Sarah Karakaian: need
13:29
Sarah Karakaian: a
13:30
Sarah Karakaian: certain
13:30
Sarah Karakaian: kind
13:30
Sarah Karakaian: of
13:30
Sarah Karakaian: insurance
13:31
Sarah Karakaian: to
13:31
Sarah Karakaian: cover
13:31
Sarah Karakaian: short-term
13:32
Sarah Karakaian: rentals,
13:32
Sarah Karakaian: which
13:32
Sarah Karakaian: let's,
13:33
Sarah Karakaian: we'll
13:33
Sarah Karakaian: backtrack
13:33
Sarah Karakaian: to
13:33
Sarah Karakaian: that
13:34
Sarah Karakaian: in
13:34
Sarah Karakaian: a
13:34
Sarah Karakaian: moment
13:35
Sarah Karakaian: here,
13:36
Sarah Karakaian: but
13:36
Sarah Karakaian: how
13:36
Sarah Karakaian: can
13:36
Sarah Karakaian: we
13:37
Sarah Karakaian: better,
13:37
Sarah Karakaian: how
13:37
Sarah Karakaian: can
13:37
Sarah Karakaian: Annette
13:38
Sarah Karakaian: and
13:38
Sarah Karakaian: I
13:38
Sarah Karakaian: with
13:38
Sarah Karakaian: you
13:39
Sarah Karakaian: here
13:39
Sarah Karakaian: today
13:39
Sarah Karakaian: better
13:40
Sarah Karakaian: prepare
13:41
Sarah Karakaian: our
13:41
Sarah Karakaian: listeners
13:42
Sarah Karakaian: to.
13:43
Sarah Karakaian: Ask
13:43
Sarah Karakaian: the
13:44
Sarah Karakaian: right
13:44
Sarah Karakaian: questions.
13:45
Sarah Karakaian: How
13:45
Sarah Karakaian: do
13:45
Sarah Karakaian: you
13:45
Sarah Karakaian: know
13:46
Sarah Karakaian: if
13:46
Sarah Karakaian: you've
13:46
Sarah Karakaian: never
13:46
Sarah Karakaian: experienced
13:48
Sarah Karakaian: catastrophic
13:49
Sarah Karakaian: loss
13:49
Sarah Karakaian: like
13:49
Sarah Karakaian: this
13:49
Sarah Karakaian: with
13:50
Sarah Karakaian: your
13:50
Sarah Karakaian: rental
13:50
Sarah Karakaian: or
13:50
Sarah Karakaian: it's
13:50
Sarah Karakaian: your
13:50
Sarah Karakaian: first
13:51
Sarah Karakaian: rental,
13:51
Sarah Karakaian: or
13:52
Sarah Karakaian: how
13:53
Sarah Karakaian: do
13:53
Sarah Karakaian: they
13:53
Sarah Karakaian: know
13:54
Sarah Karakaian: that
13:54
Sarah Karakaian: they're
13:54
Sarah Karakaian: adequately
13:55
Sarah Karakaian: covered?
13:56
Sarah Karakaian: They're
13:56
Sarah Karakaian: gonna
13:56
Sarah Karakaian: get
13:56
Sarah Karakaian: great
13:57
Sarah Karakaian: guidance.
13:58
Sarah Karakaian: What
13:58
Sarah Karakaian: do
13:58
Sarah Karakaian: you
13:58
Sarah Karakaian: say?
13:59
Sarah Karakaian: How
14:00
Sarah Karakaian: do
14:00
Sarah Karakaian: we
14:00
Sarah Karakaian: educate
14:00
Sarah Karakaian: them?
14:02
Darren Nix: Two
14:02
Darren Nix: ways.
14:02
Darren Nix: Number
14:03
Darren Nix: one,
14:03
Darren Nix: my
14:03
Darren Nix: favorite
14:04
Darren Nix: is
14:05
Darren Nix: to
14:05
Darren Nix: find
14:05
Darren Nix: a
14:05
Darren Nix: community
14:05
Darren Nix: of
14:06
Darren Nix: folks
14:06
Darren Nix: that
14:06
Darren Nix: have
14:07
Darren Nix: done
14:07
Darren Nix: this
14:08
Darren Nix: already
14:08
Darren Nix: for
14:08
Darren Nix: several
14:09
Darren Nix: years
14:09
Darren Nix: and
14:09
Darren Nix: to
14:09
Darren Nix: pick
14:09
Darren Nix: their
14:10
Darren Nix: brain.
14:10
Darren Nix: That's
14:10
Darren Nix: number
14:10
Darren Nix: one.
14:11
Darren Nix: Number
14:11
Darren Nix: two
14:12
Darren Nix: is
14:12
Darren Nix: to
14:12
Darren Nix: interview
14:13
Darren Nix: your
14:13
Darren Nix: insurance
14:14
Darren Nix: agent
14:14
Darren Nix: or
14:14
Darren Nix: your
14:14
Darren Nix: insurance
14:15
Darren Nix: company
14:15
Darren Nix: and
14:15
Darren Nix: find
14:16
Darren Nix: somebody
14:16
Darren Nix: who's
14:16
Darren Nix: done
14:17
Darren Nix: a
14:17
Darren Nix: hundred
14:18
Darren Nix: rentals
14:18
Darren Nix: before
14:19
Darren Nix: and
14:19
Darren Nix: has
14:20
Darren Nix: seen
14:20
Darren Nix: a
14:20
Darren Nix: bunch
14:20
Darren Nix: of
14:20
Darren Nix: claims
14:21
Darren Nix: already
14:21
Darren Nix: go
14:21
Darren Nix: through
14:21
Darren Nix: so
14:22
Darren Nix: they
14:22
Darren Nix: can
14:22
Darren Nix: speak
14:22
Darren Nix: in
14:22
Darren Nix: an
14:22
Darren Nix: educated
14:23
Darren Nix: way
14:23
Darren Nix: about
14:23
Darren Nix: what
14:24
Darren Nix: happens.
14:25
Darren Nix: Because
14:25
Darren Nix: an
14:25
Darren Nix: insurance
14:26
Darren Nix: form
14:26
Darren Nix: is
14:27
Darren Nix: on
14:27
Darren Nix: average
14:27
Darren Nix: 45
14:28
Darren Nix: to
14:28
Darren Nix: 70
14:28
Darren Nix: pages
14:29
Darren Nix: long,
14:30
Darren Nix: and
14:31
Darren Nix: you
14:31
Darren Nix: want
14:31
Darren Nix: to
14:31
Darren Nix: talk
14:31
Darren Nix: to
14:31
Darren Nix: somebody
14:32
Darren Nix: who
14:32
Darren Nix: knows
14:33
Darren Nix: what's
14:33
Darren Nix: in
14:33
Darren Nix: it
14:33
Darren Nix: from
14:34
Darren Nix: memory.
14:34
Darren Nix: Not
14:35
Darren Nix: having
14:35
Darren Nix: to
14:35
Darren Nix: go
14:36
Darren Nix: and
14:36
Darren Nix: read
14:37
Darren Nix: it
14:37
Darren Nix: to
14:37
Darren Nix: try
14:37
Darren Nix: to
14:37
Darren Nix: figure
14:38
Darren Nix: out
14:38
Darren Nix: what's
14:38
Darren Nix: in
14:38
Darren Nix: it
14:38
Darren Nix: to
14:38
Darren Nix: see
14:39
Darren Nix: if
14:39
Darren Nix: a
14:39
Darren Nix: particular
14:39
Darren Nix: situation
14:40
Darren Nix: is
14:40
Darren Nix: covered.
14:42
Annette Grant: Can
14:43
Annette Grant: we
14:43
Annette Grant: put
14:43
Annette Grant: our
14:43
Annette Grant: policy,
14:44
Annette Grant: do
14:44
Annette Grant: you
14:45
Annette Grant: trust
14:45
Annette Grant: putting
14:46
Annette Grant: it
14:46
Annette Grant: through
14:46
Annette Grant: chat
14:46
Annette Grant: GPT
14:47
Annette Grant: and
14:47
Annette Grant: asking
14:48
Annette Grant: it
14:48
Annette Grant: to
14:48
Annette Grant: help
14:48
Annette Grant: us
14:49
Annette Grant: find,
14:49
Annette Grant: like
14:49
Annette Grant: educate
14:50
Annette Grant: us
14:50
Annette Grant: on
14:50
Annette Grant: it
14:50
Annette Grant: or
14:50
Annette Grant: find
14:51
Annette Grant: any
14:51
Annette Grant: flaws
14:51
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14:51
Annette Grant: it?
14:53
Darren Nix: Trust
14:53
Darren Nix: is
14:54
Darren Nix: a
14:54
Darren Nix: strong
14:54
Darren Nix: word.
14:55
Annette Grant: Okay.
14:55
Darren Nix: Or
14:55
Darren Nix: would
14:56
Darren Nix: would
14:56
Darren Nix: I
14:56
Darren Nix: do
14:56
Darren Nix: with
14:57
Darren Nix: ChatGPT,
14:58
Darren Nix: I
14:58
Darren Nix: don't
14:59
Darren Nix: trust
14:59
Darren Nix: its
15:00
Darren Nix: answer,
15:00
Darren Nix: but
15:00
Darren Nix: I
15:00
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15:01
Darren Nix: it
15:01
Darren Nix: to
15:01
Darren Nix: tell
15:01
Darren Nix: me
15:01
Darren Nix: where
15:02
Darren Nix: the
15:02
Darren Nix: answer
15:02
Darren Nix: is.
15:03
Annette Grant: Okay.
15:04
Darren Nix: So
15:04
Darren Nix: what
15:04
Darren Nix: I
15:04
Darren Nix: would
15:04
Darren Nix: say
15:04
Darren Nix: is,
15:05
Darren Nix: here's
15:05
Darren Nix: my
15:05
Darren Nix: policy
15:06
Darren Nix: document.
15:07
Darren Nix: Tell
15:07
Darren Nix: me
15:08
Darren Nix: the
15:08
Darren Nix: PO
15:09
Darren Nix: place
15:09
Darren Nix: in
15:09
Darren Nix: the
15:09
Darren Nix: document.
15:10
Darren Nix: Show
15:10
Darren Nix: me
15:10
Darren Nix: the
15:10
Darren Nix: exact
15:11
Darren Nix: paragraph
15:12
Darren Nix: that
15:12
Darren Nix: explains
15:13
Darren Nix: if
15:13
Darren Nix: I'm
15:13
Darren Nix: covered
15:14
Darren Nix: for
15:14
Darren Nix: X,
15:15
Darren Nix: and
15:15
Darren Nix: then
15:15
Darren Nix: it
15:16
Darren Nix: will
15:16
Darren Nix: say,
15:16
Darren Nix: okay,
15:17
Darren Nix: your
15:17
Darren Nix: stamp
15:17
Darren Nix: collection
15:18
Darren Nix: is
15:18
Darren Nix: covered
15:18
Darren Nix: for
15:18
Darren Nix: $2,500.
15:20
Darren Nix: And
15:20
Darren Nix: then
15:20
Darren Nix: it
15:20
Darren Nix: shows
15:21
Darren Nix: you
15:21
Darren Nix: the
15:21
Darren Nix: actual
15:21
Darren Nix: tax
15:22
Darren Nix: to
15:22
Darren Nix: what's
15:22
Darren Nix: in
15:22
Darren Nix: the
15:22
Darren Nix: policy.
15:23
Darren Nix: That
15:23
Darren Nix: I
15:23
Darren Nix: love,
15:24
Darren Nix: because
15:24
Darren Nix: now
15:24
Darren Nix: you've
15:25
Darren Nix: removed
15:25
Darren Nix: the
15:25
Darren Nix: risk
15:26
Darren Nix: of
15:26
Darren Nix: hallucination.
15:27
Darren Nix: Because
15:28
Darren Nix: what's
15:28
Darren Nix: happened
15:28
Darren Nix: to
15:28
Darren Nix: me
15:28
Darren Nix: a
15:28
Darren Nix: billion
15:29
Darren Nix: times
15:29
Darren Nix: when
15:29
Darren Nix: I
15:29
Darren Nix: just
15:30
Darren Nix: said,
15:30
Darren Nix: Hey,
15:30
Darren Nix: does
15:30
Darren Nix: my
15:30
Darren Nix: policy
15:31
Darren Nix: cover
15:31
Darren Nix: x
15:31
Darren Nix: or
15:33
Darren Nix: when
15:33
Darren Nix: I'm
15:33
Darren Nix: working
15:33
Darren Nix: on,
15:34
Darren Nix: like,
15:34
Darren Nix: let's
15:34
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15:34
Darren Nix: a
15:35
Darren Nix: pilot's
15:35
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15:35
Darren Nix: I
15:35
Darren Nix: say
15:36
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15:36
Darren Nix: blah,
15:36
Darren Nix: blah,
15:36
Darren Nix: blah,
15:36
Darren Nix: legal,
15:37
Darren Nix: and
15:37
Darren Nix: it
15:37
Darren Nix: gives
15:37
Darren Nix: me
15:37
Darren Nix: an
15:37
Darren Nix: answer.
15:38
Darren Nix: It's
15:38
Darren Nix: so
15:38
Darren Nix: confident,
15:40
Darren Nix: but
15:40
Darren Nix: it's
15:40
Darren Nix: just
15:40
Darren Nix: wrong.
15:41
Darren Nix: It
15:41
Darren Nix: just
15:41
Darren Nix: hallucinated
15:42
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15:42
Darren Nix: enter.
15:42
Darren Nix: And
15:42
Darren Nix: so
15:42
Darren Nix: if
15:42
Darren Nix: you
15:43
Darren Nix: instead
15:43
Darren Nix: you
15:43
Darren Nix: ask
15:43
Darren Nix: it
15:43
Darren Nix: for,
15:44
Darren Nix: show
15:44
Darren Nix: me
15:44
Darren Nix: the
15:44
Darren Nix: source
15:44
Darren Nix: of
15:44
Darren Nix: where
15:45
Darren Nix: this
15:45
Darren Nix: answer
15:45
Darren Nix: is
15:46
Darren Nix: now
15:46
Darren Nix: you
15:46
Darren Nix: can
15:47
Darren Nix: easily
15:47
Darren Nix: with
15:47
Darren Nix: one
15:47
Darren Nix: extra
15:47
Darren Nix: click,
15:48
Darren Nix: verify
15:48
Darren Nix: that
15:48
Darren Nix: it's
15:48
Darren Nix: accurate.
15:49
Annette Grant: So
15:49
Annette Grant: I
15:50
Annette Grant: like
15:50
Annette Grant: this.
15:50
Annette Grant: So
15:50
Annette Grant: today
15:51
Annette Grant: people
15:51
Annette Grant: could
15:52
Annette Grant: take
15:52
Annette Grant: their
15:53
Annette Grant: current
15:53
Annette Grant: policies
15:54
Annette Grant: and
15:54
Annette Grant: we
15:54
Annette Grant: just
15:54
Annette Grant: went
15:55
Annette Grant: over
15:55
Annette Grant: fire,
15:56
Annette Grant: wind,
15:56
Annette Grant: hail,
15:57
Annette Grant: tree,
15:57
Annette Grant: water.
15:58
Annette Grant: We
15:58
Annette Grant: could.
15:58
Annette Grant: If
15:59
Annette Grant: they
15:59
Annette Grant: could
15:59
Annette Grant: put
15:59
Annette Grant: their
15:59
Annette Grant: policy
16:00
Annette Grant: in
16:00
Annette Grant: and
16:00
Annette Grant: ask
16:00
Annette Grant: specific
16:01
Annette Grant: questions
16:01
Annette Grant: like,
16:01
Annette Grant: take
16:01
Annette Grant: me
16:01
Annette Grant: directly
16:02
Annette Grant: to
16:03
Annette Grant: fire
16:04
Annette Grant: coverage.
16:04
Annette Grant: Pull
16:05
Annette Grant: that
16:05
Annette Grant: out.
16:05
Annette Grant: It
16:05
Annette Grant: sounds
16:06
Annette Grant: like
16:06
Annette Grant: we
16:06
Annette Grant: could
16:06
Annette Grant: do
16:06
Annette Grant: that
16:07
Annette Grant: to
16:07
Annette Grant: at
16:07
Annette Grant: least
16:08
Annette Grant: after
16:08
Annette Grant: this
16:08
Annette Grant: episode,
16:09
Annette Grant: go
16:09
Annette Grant: in
16:09
Annette Grant: and
16:10
Annette Grant: really
16:10
Annette Grant: dig
16:10
Annette Grant: deeper
16:11
Annette Grant: into
16:11
Annette Grant: these
16:12
Annette Grant: top
16:12
Annette Grant: areas
16:13
Annette Grant: that
16:13
Annette Grant: you
16:13
Annette Grant: said,
16:13
Annette Grant: let's,
16:14
Annette Grant: let's
16:14
Annette Grant: review
16:14
Annette Grant: those.
16:15
Annette Grant: And
16:15
Annette Grant: they
16:15
Annette Grant: could,
16:16
Annette Grant: they
16:16
Annette Grant: could
16:16
Annette Grant: look
16:16
Annette Grant: at
16:16
Annette Grant: those.
16:16
Annette Grant: I
16:16
Annette Grant: like
16:17
Annette Grant: that
16:17
Annette Grant: as,
16:17
Annette Grant: uh,
16:19
Annette Grant: something
16:19
Annette Grant: that's
16:19
Annette Grant: digestible
16:20
Annette Grant: easy
16:21
Annette Grant: and
16:21
Annette Grant: they
16:21
Annette Grant: could
16:21
Annette Grant: educate
16:22
Annette Grant: themselves
16:22
Annette Grant: and
16:22
Annette Grant: kind
16:22
Annette Grant: of
16:22
Annette Grant: see
16:23
Annette Grant: if
16:23
Annette Grant: there's
16:23
Annette Grant: some,
16:24
Annette Grant: maybe
16:24
Annette Grant: holes
16:25
Annette Grant: in
16:25
Annette Grant: their
16:25
Annette Grant: policy
16:26
Annette Grant: or
16:27
Annette Grant: not
16:27
Annette Grant: ahead
16:27
Annette Grant: of
16:27
Annette Grant: time.
16:28
Annette Grant: I,
16:28
Annette Grant: I,
16:29
Annette Grant: I'm
16:29
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16:29
Annette Grant: for
16:29
Annette Grant: that.
16:29
Annette Grant: That's
16:30
Annette Grant: something
16:30
Annette Grant: quick.
16:30
Annette Grant: And,
16:31
Annette Grant: um,
16:32
Annette Grant: I
16:32
Annette Grant: think
16:33
Annette Grant: pull
16:33
Annette Grant: it
16:33
Annette Grant: so
16:33
Annette Grant: you're
16:33
Annette Grant: not
16:33
Annette Grant: overwhelmed
16:34
Annette Grant: by
16:34
Annette Grant: the
16:34
Annette Grant: 45
16:35
Annette Grant: to
16:35
Annette Grant: 70
16:35
Annette Grant: pages.
16:36
Annette Grant: They
16:36
Annette Grant: can
16:36
Annette Grant: kind
16:36
Annette Grant: of
16:37
Annette Grant: dive,
16:37
Annette Grant: dive
16:38
Annette Grant: directly,
16:38
Annette Grant: dive
16:39
Annette Grant: directly
16:39
Annette Grant: in.
16:40
Darren Nix: Easy.
16:41
Annette Grant: No,
16:41
Annette Grant: that's,
16:42
Annette Grant: that's
16:42
Annette Grant: great.
16:42
Sarah Karakaian: When
16:43
Sarah Karakaian: it
16:43
Sarah Karakaian: comes
16:43
Sarah Karakaian: to
16:43
Sarah Karakaian: the
16:43
Sarah Karakaian: agent
16:44
Sarah Karakaian: though,
16:44
Sarah Karakaian: and
16:44
Sarah Karakaian: making
16:44
Sarah Karakaian: sure
16:45
Sarah Karakaian: they've,
16:45
Sarah Karakaian: they've
16:45
Sarah Karakaian: seen
16:45
Sarah Karakaian: a
16:45
Sarah Karakaian: lot
16:47
Sarah Karakaian: is.
16:48
Sarah Karakaian: Just
16:48
Sarah Karakaian: asking
16:49
Sarah Karakaian: them
16:49
Sarah Karakaian: how
16:49
Sarah Karakaian: many
16:49
Sarah Karakaian: policies.
16:50
Sarah Karakaian: If
16:50
Sarah Karakaian: someone's
16:50
Sarah Karakaian: interviewing,
16:51
Sarah Karakaian: uh,
16:51
Sarah Karakaian: a
16:51
Sarah Karakaian: new
16:52
Sarah Karakaian: insurance
16:52
Sarah Karakaian: agent
16:53
Sarah Karakaian: or,
16:53
Sarah Karakaian: or
16:54
Sarah Karakaian: someone's
16:54
Sarah Karakaian: listening
16:54
Sarah Karakaian: to
16:54
Sarah Karakaian: this
16:55
Sarah Karakaian: episode
16:55
Sarah Karakaian: and
16:55
Sarah Karakaian: they're
16:55
Sarah Karakaian: interested
16:55
Sarah Karakaian: in
16:56
Sarah Karakaian: what
16:56
Sarah Karakaian: and
16:56
Sarah Karakaian: Steadily
16:56
Sarah Karakaian: what,
16:57
Sarah Karakaian: how
16:57
Sarah Karakaian: do
16:57
Sarah Karakaian: we
16:58
Sarah Karakaian: qualify
16:58
Sarah Karakaian: the
16:59
Sarah Karakaian: person
16:59
Sarah Karakaian: we're
16:59
Sarah Karakaian: talking
16:59
Sarah Karakaian: to
17:01
Sarah Karakaian: has
17:01
Sarah Karakaian: our
17:01
Sarah Karakaian: best
17:02
Sarah Karakaian: interest
17:02
Sarah Karakaian: in
17:02
Sarah Karakaian: mind.
17:02
Sarah Karakaian: Because
17:02
Sarah Karakaian: I
17:02
Sarah Karakaian: think
17:04
Sarah Karakaian: Annette
17:04
Sarah Karakaian: and
17:04
Sarah Karakaian: I
17:04
Sarah Karakaian: feel
17:04
Sarah Karakaian: it's
17:04
Sarah Karakaian: not
17:05
Sarah Karakaian: just
17:05
Sarah Karakaian: obviously
17:06
Sarah Karakaian: in
17:06
Sarah Karakaian: the
17:06
Sarah Karakaian: insurance
17:06
Sarah Karakaian: industry,
17:07
Sarah Karakaian: but
17:07
Sarah Karakaian: in
17:07
Sarah Karakaian: a
17:07
Sarah Karakaian: lot
17:08
Sarah Karakaian: of
17:08
Sarah Karakaian: different
17:08
Sarah Karakaian: areas
17:08
Sarah Karakaian: of
17:09
Sarah Karakaian: our
17:09
Sarah Karakaian: life.
17:09
Sarah Karakaian: We
17:10
Sarah Karakaian: feel
17:10
Sarah Karakaian: like
17:10
Sarah Karakaian: we're
17:10
Sarah Karakaian: kind
17:10
Sarah Karakaian: of
17:10
Sarah Karakaian: in
17:10
Sarah Karakaian: a
17:10
Sarah Karakaian: trust
17:11
Sarah Karakaian: recession
17:11
Sarah Karakaian: right
17:12
Sarah Karakaian: now,
17:12
Sarah Karakaian: and
17:12
Sarah Karakaian: everyone
17:13
Sarah Karakaian: is
17:13
Sarah Karakaian: kind
17:13
Sarah Karakaian: of
17:13
Sarah Karakaian: doubting
17:14
Sarah Karakaian: everyone's
17:14
Sarah Karakaian: intentions.
17:16
Sarah Karakaian: Since
17:16
Sarah Karakaian: you're
17:17
Sarah Karakaian: on
17:17
Sarah Karakaian: the
17:17
Sarah Karakaian: other
17:17
Sarah Karakaian: side,
17:18
Sarah Karakaian: what
17:18
Sarah Karakaian: are
17:18
Sarah Karakaian: some
17:18
Sarah Karakaian: great
17:19
Sarah Karakaian: questions
17:20
Sarah Karakaian: that
17:21
Sarah Karakaian: a
17:21
Sarah Karakaian: host
17:21
Sarah Karakaian: could,
17:22
Sarah Karakaian: could
17:22
Sarah Karakaian: ask
17:23
Sarah Karakaian: an
17:23
Sarah Karakaian: agent
17:24
Sarah Karakaian: to
17:24
Sarah Karakaian: kind
17:24
Sarah Karakaian: of
17:24
Sarah Karakaian: qualify
17:25
Sarah Karakaian: them
17:25
Sarah Karakaian: as,
17:25
Sarah Karakaian: uh,
17:26
Sarah Karakaian: someone
17:26
Sarah Karakaian: they
17:26
Sarah Karakaian: can
17:26
Sarah Karakaian: trust?
17:28
Darren Nix: Number
17:28
Darren Nix: one
17:28
Darren Nix: is
17:29
Darren Nix: how
17:29
Darren Nix: many
17:29
Darren Nix: insurance
17:30
Darren Nix: policies
17:30
Darren Nix: on
17:31
Darren Nix: the
17:31
Darren Nix: rental
17:31
Darren Nix: property
17:31
Darren Nix: do
17:31
Darren Nix: you
17:32
Darren Nix: write
17:32
Darren Nix: in
17:32
Darren Nix: a
17:32
Darren Nix: typical
17:32
Darren Nix: month?
17:33
Sarah Karakaian: Okay,
17:33
Sarah Karakaian: what's
17:33
Sarah Karakaian: a
17:33
Sarah Karakaian: good
17:33
Sarah Karakaian: answer?
17:33
Darren Nix: You
17:33
Darren Nix: would
17:34
Darren Nix: like
17:34
Darren Nix: to
17:34
Darren Nix: hear
17:34
Darren Nix: something
17:35
Darren Nix: like
17:35
Darren Nix: 20.
17:36
Darren Nix: Okay.
17:36
Darren Nix: Or
17:36
Darren Nix: more.
17:36
Darren Nix: Okay.
17:36
Darren Nix: That
17:37
Darren Nix: indicates
17:37
Darren Nix: that
17:37
Darren Nix: they're
17:37
Darren Nix: a
17:37
Darren Nix: specialist.
17:38
Darren Nix: Okay.
17:38
Darren Nix: Number
17:39
Darren Nix: two
17:39
Darren Nix: is
17:40
Darren Nix: to
17:40
Darren Nix: ask.
17:41
Darren Nix: When
17:42
Darren Nix: you
17:42
Darren Nix: compare
17:42
Darren Nix: the
17:42
Darren Nix: types
17:43
Darren Nix: of
17:43
Darren Nix: losses
17:43
Darren Nix: that
17:43
Darren Nix: occur
17:44
Darren Nix: on
17:44
Darren Nix: a
17:44
Darren Nix: rental
17:45
Darren Nix: property
17:45
Darren Nix: versus
17:45
Darren Nix: a
17:46
Darren Nix: homeowner's
17:46
Darren Nix: policy,
17:47
Darren Nix: how
17:47
Darren Nix: are
17:47
Darren Nix: they
17:47
Darren Nix: different?
17:48
Darren Nix: That's
17:48
Darren Nix: also
17:49
Darren Nix: gonna
17:49
Darren Nix: tell
17:49
Darren Nix: you
17:49
Darren Nix: if
17:49
Darren Nix: they're
17:50
Darren Nix: keyed
17:50
Darren Nix: into
17:50
Darren Nix: those
17:51
Darren Nix: distinctions,
17:52
Darren Nix: and
17:52
Darren Nix: in
17:52
Darren Nix: particular
17:52
Darren Nix: if
17:52
Darren Nix: they
17:52
Darren Nix: follow
17:53
Darren Nix: up
17:53
Darren Nix: and
17:53
Darren Nix: say,
17:54
Darren Nix: well,
17:54
Darren Nix: are
17:55
Darren Nix: you
17:55
Darren Nix: a
17:55
Darren Nix: midterm
17:56
Darren Nix: host
17:56
Darren Nix: on
17:56
Darren Nix: furnish
17:57
Darren Nix: finder?
17:57
Darren Nix: Are
17:58
Darren Nix: you
17:58
Darren Nix: in
17:58
Darren Nix: your
17:58
Darren Nix: Airbnb
17:59
Darren Nix: or
17:59
Darren Nix: Vrbo?
17:59
Darren Nix: Are
17:59
Darren Nix: you
17:59
Darren Nix: doing
18:00
Darren Nix: long-term
18:00
Darren Nix: rentals?
18:00
Darren Nix: That
18:00
Darren Nix: they
18:01
Darren Nix: ask
18:01
Darren Nix: those
18:01
Darren Nix: kind
18:01
Darren Nix: of
18:01
Darren Nix: nuance
18:02
Darren Nix: questions.
18:02
Sarah Karakaian: Yeah.
18:03
Darren Nix: Great.
18:04
Darren Nix: Now
18:04
Darren Nix: you're
18:04
Darren Nix: talking
18:05
Darren Nix: to
18:05
Darren Nix: someone
18:05
Darren Nix: that's
18:05
Darren Nix: been
18:05
Darren Nix: around
18:06
Darren Nix: the
18:06
Darren Nix: block
18:06
Darren Nix: several
18:06
Darren Nix: times
18:07
Darren Nix: and
18:07
Darren Nix: they're
18:07
Darren Nix: going
18:07
Darren Nix: to
18:07
Darren Nix: know
18:08
Darren Nix: the
18:08
Darren Nix: and
18:08
Darren Nix: outs.
18:09
Darren Nix: The
18:11
Darren Nix: trust
18:11
Darren Nix: piece
18:12
Darren Nix: is
18:13
Darren Nix: another
18:13
Darren Nix: great
18:13
Darren Nix: dimension,
18:14
Darren Nix: and
18:14
Darren Nix: that's
18:15
Darren Nix: where
18:15
Darren Nix: you
18:15
Darren Nix: can
18:15
Darren Nix: sort
18:16
Darren Nix: of
18:16
Darren Nix: ask
18:16
Darren Nix: some
18:16
Darren Nix: leading
18:16
Darren Nix: questions
18:17
Darren Nix: that
18:19
Darren Nix: somebody
18:19
Darren Nix: who
18:19
Darren Nix: just
18:19
Darren Nix: wants
18:20
Darren Nix: to
18:20
Darren Nix: sell
18:20
Darren Nix: you
18:20
Darren Nix: as
18:20
Darren Nix: much
18:20
Darren Nix: insurance
18:21
Darren Nix: as
18:21
Darren Nix: possible
18:22
Darren Nix: would
18:22
Darren Nix: go
18:22
Darren Nix: down
18:22
Darren Nix: and
18:22
Darren Nix: be
18:23
Darren Nix: like,
18:23
Darren Nix: oh
18:23
Darren Nix: yeah,
18:23
Darren Nix: you're
18:24
Darren Nix: gonna
18:24
Darren Nix: need
18:24
Darren Nix: a
18:25
Darren Nix: $5
18:25
Darren Nix: million
18:26
Darren Nix: umbrella
18:26
Darren Nix: policy
18:27
Darren Nix: and
18:27
Darren Nix: you're
18:27
Darren Nix: probably
18:27
Darren Nix: gonna
18:28
Darren Nix: need
18:28
Darren Nix: 2
18:28
Darren Nix: million
18:28
Darren Nix: in
18:28
Darren Nix: liability,
18:29
Darren Nix: blah,
18:29
Darren Nix: blah,
18:29
Darren Nix: blah,
18:29
Darren Nix: blah,
18:30
Darren Nix: blah.
18:30
Darren Nix: And
18:31
Darren Nix: if
18:31
Darren Nix: you
18:31
Darren Nix: know,
18:31
Darren Nix: going
18:31
Darren Nix: in
18:32
Darren Nix: that.
18:33
Darren Nix: Hey,
18:33
Darren Nix: I
18:33
Darren Nix: just
18:33
Darren Nix: don't
18:34
Darren Nix: want
18:34
Darren Nix: rental
18:34
Darren Nix: property
18:34
Darren Nix: and,
18:35
Darren Nix: and
18:35
Darren Nix: my
18:35
Darren Nix: net
18:35
Darren Nix: worth
18:36
Darren Nix: in
18:36
Darren Nix: my
18:36
Darren Nix: household
18:37
Darren Nix: is,
18:38
Darren Nix: you
18:38
Darren Nix: know,
18:38
Darren Nix: $650,000
18:39
Darren Nix: With
18:39
Darren Nix: my
18:40
Darren Nix: 401k,
18:42
Darren Nix: you
18:42
Darren Nix: probably
18:42
Darren Nix: don't
18:43
Darren Nix: need
18:43
Darren Nix: a
18:43
Darren Nix: $5
18:43
Darren Nix: million
18:44
Darren Nix: umbrella
18:44
Darren Nix: policy.
18:45
Darren Nix: Like
18:45
Darren Nix: you
18:45
Darren Nix: just
18:45
Darren Nix: don't
18:45
Darren Nix: have
18:46
Darren Nix: the
18:46
Darren Nix: kind
18:46
Darren Nix: of
18:46
Darren Nix: assets
18:46
Darren Nix: that
18:47
Darren Nix: are
18:47
Darren Nix: gonna
18:47
Darren Nix: make
18:47
Darren Nix: a
18:47
Darren Nix: plaintiff's
18:48
Darren Nix: attorney
18:48
Darren Nix: want
18:48
Darren Nix: to
18:48
Darren Nix: come
18:48
Darren Nix: after
18:49
Darren Nix: you
18:49
Darren Nix: in
18:49
Darren Nix: a
18:49
Darren Nix: liability
18:50
Darren Nix: lawsuit.
18:50
Darren Nix: And
18:51
Darren Nix: so
18:51
Darren Nix: if
18:51
Darren Nix: somebody's
18:51
Darren Nix: trying
18:51
Darren Nix: to
18:51
Darren Nix: sell
18:52
Darren Nix: you
18:52
Darren Nix: all
18:52
Darren Nix: of
18:52
Darren Nix: those,
18:53
Darren Nix: uh,
18:53
Darren Nix: odds
18:54
Darren Nix: and
18:54
Darren Nix: ends
18:54
Darren Nix: coverages,
18:55
Darren Nix: they
18:56
Darren Nix: may
18:56
Darren Nix: not
18:56
Darren Nix: have
18:56
Darren Nix: your
18:56
Darren Nix: best
18:56
Darren Nix: interest
18:57
Darren Nix: at
18:57
Darren Nix: heart.
18:58
Annette Grant: You
18:58
Annette Grant: mentioned,
18:59
Annette Grant: uh,
18:59
Annette Grant: midterm
19:00
Annette Grant: rental
19:00
Annette Grant: in
19:01
Annette Grant: that
19:01
Annette Grant: last
19:02
Annette Grant: segment,
19:02
Annette Grant: what,
19:03
Annette Grant: what
19:03
Annette Grant: are
19:04
Annette Grant: the
19:04
Annette Grant: differences
19:04
Annette Grant: or
19:05
Annette Grant: what
19:05
Annette Grant: should
19:05
Annette Grant: we
19:05
Annette Grant: be
19:05
Annette Grant: on
19:05
Annette Grant: the
19:05
Annette Grant: lookout
19:06
Annette Grant: for?
19:06
Annette Grant: If
19:06
Annette Grant: we
19:06
Annette Grant: are
19:07
Annette Grant: doing,
19:07
Annette Grant: we
19:07
Annette Grant: do
19:08
Annette Grant: a
19:08
Annette Grant: hybrid
19:08
Annette Grant: strategy
19:09
Annette Grant: at
19:10
Annette Grant: one
19:10
Annette Grant: of
19:10
Annette Grant: our
19:10
Annette Grant: properties,
19:10
Annette Grant: going
19:11
Annette Grant: from
19:11
Annette Grant: short
19:11
Annette Grant: term
19:11
Annette Grant: to
19:12
Annette Grant: midterm,
19:13
Annette Grant: like
19:13
Annette Grant: toggling
19:14
Annette Grant: between
19:14
Annette Grant: those
19:15
Annette Grant: two,
19:15
Annette Grant: is
19:16
Annette Grant: there
19:16
Annette Grant: anything
19:16
Annette Grant: specific
19:17
Annette Grant: hosts
19:17
Annette Grant: doing
19:18
Annette Grant: that
19:18
Annette Grant: strategy
19:19
Annette Grant: need
19:19
Annette Grant: to
19:20
Annette Grant: be
19:20
Annette Grant: aware
19:21
Annette Grant: of?
19:23
Darren Nix: Vacancy
19:23
Darren Nix: duration.
19:25
Darren Nix: It
19:25
Darren Nix: is
19:25
Darren Nix: such
19:25
Darren Nix: a
19:26
Darren Nix: gotcha
19:26
Darren Nix: in
19:26
Darren Nix: insurance
19:27
Darren Nix: because
19:28
Darren Nix: there's
19:28
Darren Nix: this
19:29
Darren Nix: misconception
19:30
Darren Nix: that
19:30
Darren Nix: the
19:30
Darren Nix: tenants
19:30
Darren Nix: are
19:31
Darren Nix: what
19:31
Darren Nix: caused
19:31
Darren Nix: the
19:31
Darren Nix: damage
19:32
Darren Nix: in
19:32
Darren Nix: a
19:32
Darren Nix: property.
19:33
Darren Nix: It's
19:33
Darren Nix: not
19:34
Darren Nix: vacancies
19:35
Darren Nix: are
19:35
Darren Nix: what
19:36
Darren Nix: damaged
19:36
Darren Nix: the
19:36
Darren Nix: property
19:37
Darren Nix: because
19:38
Darren Nix: if
19:38
Darren Nix: a
19:40
Darren Nix: water
19:40
Darren Nix: starts
19:40
Darren Nix: dripping
19:41
Darren Nix: in
19:41
Darren Nix: the
19:42
Darren Nix: attic
19:42
Darren Nix: from
19:43
Darren Nix: a
19:43
Darren Nix: roof
19:43
Darren Nix: leak
19:44
Darren Nix: and
19:44
Darren Nix: you've
19:44
Darren Nix: had
19:44
Darren Nix: a
19:45
Darren Nix: vacancy
19:45
Darren Nix: for
19:46
Darren Nix: three
19:46
Darren Nix: weeks,
19:46
Darren Nix: by
19:47
Darren Nix: the
19:47
Darren Nix: time
19:47
Darren Nix: somebody
19:47
Darren Nix: comes
19:48
Darren Nix: in
19:48
Darren Nix: and
19:48
Darren Nix: notices,
19:49
Darren Nix: that's
19:49
Darren Nix: gonna
19:49
Darren Nix: be
19:50
Darren Nix: a
19:50
Darren Nix: $40,000
19:51
Darren Nix: repair.
19:51
Darren Nix: But
19:52
Darren Nix: if
19:52
Darren Nix: somebody
19:52
Darren Nix: had
19:52
Darren Nix: noticed
19:52
Darren Nix: it
19:53
Darren Nix: on
19:53
Darren Nix: day
19:53
Darren Nix: one,
19:53
Darren Nix: it
19:53
Darren Nix: would
19:53
Darren Nix: be
19:53
Darren Nix: a
19:54
Darren Nix: $3,000
19:54
Darren Nix: repair.
19:55
Sarah Karakaian: Right.
19:55
Darren Nix: And
19:56
Darren Nix: so
19:57
Darren Nix: that
19:57
Darren Nix: type
19:58
Darren Nix: of
19:59
Darren Nix: experience
20:00
Darren Nix: over
20:00
Darren Nix: the
20:00
Darren Nix: course
20:01
Darren Nix: of
20:01
Darren Nix: hundreds
20:01
Darren Nix: of
20:01
Darren Nix: years
20:02
Darren Nix: of
20:02
Darren Nix: insurance
20:02
Darren Nix: companies
20:03
Darren Nix: gathering
20:03
Darren Nix: data
20:03
Darren Nix: on
20:04
Darren Nix: how
20:04
Darren Nix: losses
20:04
Darren Nix: happen,
20:05
Darren Nix: turns
20:06
Darren Nix: into
20:07
Darren Nix: a
20:07
Darren Nix: 30
20:07
Darren Nix: day
20:07
Darren Nix: limit
20:08
Darren Nix: on
20:08
Darren Nix: vacancy
20:09
Darren Nix: for
20:09
Darren Nix: most
20:09
Darren Nix: insurance
20:10
Darren Nix: policies.
20:11
Darren Nix: And
20:11
Darren Nix: so
20:11
Darren Nix: if
20:11
Darren Nix: somebody
20:12
Darren Nix: has
20:12
Darren Nix: a
20:12
Darren Nix: typical
20:13
Darren Nix: insurance
20:13
Darren Nix: policy
20:15
Darren Nix: and
20:15
Darren Nix: they
20:15
Darren Nix: put
20:16
Darren Nix: the
20:16
Darren Nix: house
20:16
Darren Nix: on
20:16
Darren Nix: the
20:16
Darren Nix: market
20:17
Darren Nix: and
20:17
Darren Nix: all
20:17
Darren Nix: the
20:17
Darren Nix: tenants
20:17
Darren Nix: move
20:18
Darren Nix: out
20:18
Darren Nix: because
20:18
Darren Nix: they're
20:18
Darren Nix: planning
20:18
Darren Nix: to
20:19
Darren Nix: sell
20:19
Darren Nix: it.
20:20
Darren Nix: Ask
20:20
Darren Nix: me
20:20
Darren Nix: how
20:20
Darren Nix: I
20:20
Darren Nix: know,
20:23
Darren Nix: and
20:23
Darren Nix: 50
20:24
Darren Nix: days
20:24
Darren Nix: go
20:24
Darren Nix: by
20:25
Darren Nix: and
20:26
Darren Nix: then
20:26
Darren Nix: somebody
20:26
Darren Nix: breaks
20:27
Darren Nix: into
20:27
Darren Nix: the
20:27
Darren Nix: property
20:28
Darren Nix: and
20:28
Darren Nix: does
20:28
Darren Nix: a
20:28
Darren Nix: bunch
20:28
Darren Nix: of
20:28
Darren Nix: damage
20:28
Darren Nix: to
20:29
Darren Nix: it.
20:29
Darren Nix: The
20:29
Darren Nix: property
20:29
Darren Nix: has
20:29
Darren Nix: now
20:30
Darren Nix: been
20:30
Darren Nix: vacant
20:30
Darren Nix: for
20:30
Darren Nix: more
20:30
Darren Nix: than
20:31
Darren Nix: 30
20:31
Darren Nix: days.
20:32
Darren Nix: Your
20:33
Darren Nix: insurance
20:33
Darren Nix: policy
20:33
Darren Nix: will
20:34
Darren Nix: not
20:34
Darren Nix: pay
20:34
Darren Nix: for
20:34
Darren Nix: damage.
20:36
Darren Nix: Because
20:36
Darren Nix: it's
20:36
Darren Nix: been
20:37
Darren Nix: vacant
20:37
Darren Nix: for
20:37
Darren Nix: more
20:37
Darren Nix: than
20:38
Darren Nix: 30
20:38
Darren Nix: days,
20:38
Darren Nix: and
20:38
Darren Nix: they're
20:38
Darren Nix: like,
20:39
Darren Nix: no,
20:39
Darren Nix: we,
20:39
Darren Nix: we
20:39
Darren Nix: priced
20:40
Darren Nix: it
20:40
Darren Nix: assuming
20:40
Darren Nix: that
20:40
Darren Nix: there
20:41
Darren Nix: were
20:41
Darren Nix: people
20:41
Darren Nix: living
20:41
Darren Nix: in
20:41
Darren Nix: the
20:42
Darren Nix: property
20:42
Darren Nix: who
20:42
Darren Nix: would
20:43
Darren Nix: find
20:43
Darren Nix: these
20:43
Darren Nix: types
20:44
Darren Nix: of
20:44
Darren Nix: issues.
20:45
Darren Nix: Think
20:45
Darren Nix: about
20:45
Darren Nix: vandalism.
20:46
Darren Nix: If
20:46
Darren Nix: you
20:46
Darren Nix: have
20:47
Darren Nix: somebody
20:47
Darren Nix: living
20:47
Darren Nix: in
20:47
Darren Nix: the
20:47
Darren Nix: property,
20:48
Darren Nix: the
20:48
Darren Nix: odds
20:48
Darren Nix: that
20:49
Darren Nix: somebody's
20:49
Darren Nix: gonna
20:49
Darren Nix: break
20:49
Darren Nix: in
20:49
Darren Nix: and
20:49
Darren Nix: graffiti
20:50
Darren Nix: the
20:50
Darren Nix: walls
20:50
Darren Nix: are
20:50
Darren Nix: pretty
20:51
Darren Nix: low.
20:52
Darren Nix: But
20:52
Darren Nix: if
20:52
Darren Nix: you've
20:52
Darren Nix: got
20:52
Darren Nix: a
20:53
Darren Nix: rent
20:53
Darren Nix: sign
20:54
Darren Nix: that's
20:54
Darren Nix: been
20:54
Darren Nix: outside
20:55
Darren Nix: of
20:55
Darren Nix: the
20:55
Darren Nix: building
20:56
Darren Nix: for
20:56
Darren Nix: 45
20:56
Darren Nix: days
20:57
Darren Nix: and
20:57
Darren Nix: anybody
20:57
Darren Nix: walking
20:57
Darren Nix: by
20:58
Darren Nix: can
20:58
Darren Nix: see
20:58
Darren Nix: that
20:58
Darren Nix: there
20:58
Darren Nix: are
20:58
Darren Nix: no
20:58
Darren Nix: lights
20:59
Darren Nix: on,
20:59
Darren Nix: your
21:00
Darren Nix: odds
21:00
Darren Nix: of
21:00
Darren Nix: getting
21:00
Darren Nix: a
21:00
Darren Nix: vandalism
21:01
Darren Nix: claim
21:02
Darren Nix: go
21:02
Darren Nix: up
21:02
Darren Nix: like
21:03
Darren Nix: 500%.
21:05
Annette Grant: This
21:05
Annette Grant: vacancy
21:06
Annette Grant: duration
21:06
Annette Grant: that
21:06
Annette Grant: is,
21:07
Annette Grant: that's
21:07
Annette Grant: new
21:08
Annette Grant: to
21:08
Annette Grant: me.
21:08
Annette Grant: I've
21:08
Annette Grant: not
21:09
Annette Grant: ever,
21:09
Sarah Karakaian: right,
21:09
Sarah Karakaian: so
21:09
Sarah Karakaian: how
21:09
Sarah Karakaian: do
21:09
Sarah Karakaian: we,
21:10
Sarah Karakaian: is
21:10
Sarah Karakaian: there
21:10
Sarah Karakaian: some
21:10
Sarah Karakaian: sort
21:11
Sarah Karakaian: of
21:11
Sarah Karakaian: clause
21:12
Sarah Karakaian: we
21:12
Sarah Karakaian: can
21:12
Sarah Karakaian: get,
21:12
Sarah Karakaian: so
21:12
Sarah Karakaian: that
21:12
Sarah Karakaian: doesn't
21:13
Sarah Karakaian: apply
21:14
Sarah Karakaian: if
21:14
Sarah Karakaian: we're
21:15
Sarah Karakaian: midterm
21:15
Sarah Karakaian: rental
21:15
Sarah Karakaian: hosts
21:15
Sarah Karakaian: or
21:16
Sarah Karakaian: how
21:16
Sarah Karakaian: does
21:16
Sarah Karakaian: that
21:17
Sarah Karakaian: work?
21:17
Darren Nix: You
21:18
Darren Nix: just,
21:18
Darren Nix: when
21:18
Darren Nix: you're
21:18
Darren Nix: going
21:19
Darren Nix: to
21:19
Darren Nix: have
21:19
Darren Nix: a
21:19
Darren Nix: long-term
21:19
Darren Nix: vacancy,
21:20
Darren Nix: you
21:20
Darren Nix: call
21:21
Darren Nix: up
21:21
Darren Nix: your
21:21
Darren Nix: insurance
21:22
Darren Nix: company
21:22
Darren Nix: and
21:22
Darren Nix: you
21:22
Darren Nix: say,
21:23
Darren Nix: Hey,
21:23
Darren Nix: my
21:23
Darren Nix: property
21:23
Darren Nix: is
21:23
Darren Nix: gonna
21:23
Darren Nix: be
21:24
Darren Nix: vacant
21:24
Darren Nix: for
21:24
Darren Nix: more
21:25
Darren Nix: than
21:25
Darren Nix: 30
21:25
Darren Nix: days.
21:27
Darren Nix: Add
21:27
Darren Nix: on
21:27
Darren Nix: coverage.
21:28
Sarah Karakaian: Right.
21:28
Darren Nix: For
21:28
Darren Nix: long-term
21:29
Darren Nix: vacancy
21:30
Darren Nix: and
21:30
Darren Nix: it's
21:30
Darren Nix: not
21:30
Darren Nix: that
21:31
Darren Nix: expensive,
21:31
Darren Nix: but
21:31
Darren Nix: they
21:32
Darren Nix: have
21:32
Darren Nix: to
21:32
Darren Nix: know
21:32
Darren Nix: about
21:32
Darren Nix: it
21:32
Darren Nix: ahead
21:33
Darren Nix: of
21:33
Darren Nix: time.
21:33
Sarah Karakaian: Interesting.
21:34
Annette Grant: So
21:34
Annette Grant: what
21:34
Annette Grant: about,
21:35
Annette Grant: what
21:35
Annette Grant: about
21:36
Annette Grant: an
21:36
Annette Grant: accidental
21:37
Annette Grant: long-term
21:38
Annette Grant: vacancy?
21:39
Annette Grant: Let's
21:39
Annette Grant: say
21:40
Annette Grant: a
21:40
Annette Grant: host
21:41
Annette Grant: just,
21:42
Annette Grant: they
21:42
Annette Grant: went
21:42
Annette Grant: to
21:42
Annette Grant: midterm,
21:43
Annette Grant: they're
21:43
Annette Grant: trying
21:44
Annette Grant: to
21:44
Annette Grant: get
21:44
Annette Grant: it
21:44
Annette Grant: rented
21:44
Annette Grant: out,
21:45
Annette Grant: or
21:45
Annette Grant: they
21:45
Annette Grant: went
21:46
Annette Grant: to
21:46
Annette Grant: short
21:46
Annette Grant: term
21:47
Annette Grant: and
21:47
Annette Grant: for
21:47
Annette Grant: some
21:47
Annette Grant: reason
21:48
Annette Grant: they
21:48
Annette Grant: haven't
21:48
Annette Grant: gotten
21:48
Annette Grant: any
21:48
Annette Grant: bookings.
21:49
Annette Grant: You
21:49
Annette Grant: know,
21:49
Annette Grant: they
21:49
Annette Grant: haven't,
21:50
Annette Grant: they
21:50
Annette Grant: kind
21:50
Annette Grant: of
21:51
Annette Grant: have
21:51
Annette Grant: not
21:51
Annette Grant: been
21:51
Annette Grant: paying
21:51
Annette Grant: attention
21:52
Annette Grant: to
21:52
Annette Grant: their
21:52
Annette Grant: listing
21:52
Annette Grant: for
21:52
Annette Grant: 45
21:53
Annette Grant: days.
21:54
Annette Grant: What
21:54
Annette Grant: happens
21:55
Annette Grant: if
21:55
Annette Grant: it
21:55
Annette Grant: was
21:55
Annette Grant: accidental
21:56
Annette Grant: and
21:57
Annette Grant: they
21:57
Annette Grant: just
21:57
Annette Grant: were
21:58
Annette Grant: sitting
21:58
Annette Grant: open
21:58
Annette Grant: like
21:59
Annette Grant: that?
21:59
Annette Grant: Is
21:59
Annette Grant: that
21:59
Annette Grant: where
21:59
Annette Grant: the
21:59
Annette Grant: insurance
21:59
Annette Grant: company
22:00
Annette Grant: would
22:00
Annette Grant: still
22:00
Annette Grant: like
22:01
Annette Grant: focus
22:01
Annette Grant: them
22:01
Annette Grant: back
22:02
Annette Grant: on
22:02
Annette Grant: that
22:02
Annette Grant: vacancy
22:03
Annette Grant: duration?
22:04
Annette Grant: Like
22:04
Annette Grant: there
22:04
Annette Grant: is
22:04
Annette Grant: no
22:04
Annette Grant: such
22:05
Annette Grant: thing
22:05
Annette Grant: as
22:05
Annette Grant: accidental.
22:05
Annette Grant: They
22:06
Annette Grant: need
22:06
Annette Grant: to
22:06
Annette Grant: have
22:06
Annette Grant: awareness
22:07
Annette Grant: of
22:07
Annette Grant: that.
22:08
Darren Nix: Yeah.
22:08
Darren Nix: The
22:08
Darren Nix: policy
22:09
Darren Nix: doesn't
22:09
Darren Nix: speak
22:09
Darren Nix: to
22:09
Darren Nix: intent,
22:10
Darren Nix: it
22:10
Darren Nix: just
22:11
Darren Nix: says,
22:11
Annette Grant: Right.
22:11
Darren Nix: oh,
22:11
Darren Nix: the
22:11
Darren Nix: property
22:12
Darren Nix: was
22:12
Darren Nix: vacant
22:12
Darren Nix: for
22:12
Darren Nix: a
22:12
Darren Nix: long
22:13
Darren Nix: time
22:13
Darren Nix: and
22:13
Darren Nix: especially
22:14
Darren Nix: if
22:14
Darren Nix: the
22:14
Darren Nix: vacancy
22:15
Darren Nix: was
22:16
Darren Nix: what
22:16
Darren Nix: they
22:16
Darren Nix: would
22:16
Darren Nix: call
22:17
Darren Nix: approximate
22:17
Darren Nix: cause.
22:18
Darren Nix: So
22:19
Darren Nix: I'll
22:19
Darren Nix: give
22:19
Darren Nix: you
22:19
Darren Nix: an
22:19
Darren Nix: example.
22:20
Darren Nix: If
22:20
Darren Nix: the
22:20
Darren Nix: property's
22:21
Darren Nix: been
22:21
Darren Nix: vacant
22:21
Darren Nix: for
22:21
Darren Nix: 45
22:22
Darren Nix: days
22:23
Darren Nix: and
22:23
Darren Nix: a
22:23
Darren Nix: storm
22:24
Darren Nix: blows
22:24
Darren Nix: through
22:25
Darren Nix: and
22:25
Darren Nix: rips
22:25
Darren Nix: the
22:25
Darren Nix: roof
22:25
Darren Nix: off.
22:26
Darren Nix: The
22:27
Darren Nix: roof
22:27
Darren Nix: would've
22:27
Darren Nix: gotten
22:27
Darren Nix: ripped
22:27
Darren Nix: off
22:28
Darren Nix: whether
22:28
Darren Nix: the
22:28
Darren Nix: property
22:28
Darren Nix: was
22:28
Darren Nix: vacant
22:29
Darren Nix: or
22:29
Darren Nix: not.
22:29
Darren Nix: So
22:29
Darren Nix: the
22:29
Darren Nix: policy
22:30
Darren Nix: is
22:30
Darren Nix: still
22:30
Darren Nix: gonna
22:30
Darren Nix: pay
22:30
Darren Nix: for
22:31
Darren Nix: that.
22:31
Darren Nix: Okay?
22:31
Darren Nix: But
22:32
Darren Nix: fire,
22:33
Darren Nix: vandalism,
22:34
Darren Nix: water
22:34
Darren Nix: damage,
22:35
Darren Nix: those
22:35
Darren Nix: are
22:35
Darren Nix: things
22:36
Darren Nix: that
22:36
Darren Nix: probably
22:36
Darren Nix: would
22:37
Darren Nix: not
22:37
Darren Nix: have
22:37
Darren Nix: happened
22:37
Darren Nix: if
22:38
Darren Nix: the
22:38
Darren Nix: property
22:38
Darren Nix: is
22:38
Darren Nix: occupied.
22:39
Darren Nix: And
22:39
Darren Nix: so
22:39
Darren Nix: then
22:40
Darren Nix: the
22:40
Darren Nix: policy
22:40
Darren Nix: is
22:40
Darren Nix: gonna
22:41
Darren Nix: say,
22:41
Darren Nix: we
22:42
Darren Nix: shouldn't,
22:42
Darren Nix: this
22:43
Darren Nix: shouldn't
22:43
Darren Nix: have
22:43
Darren Nix: happened
22:44
Darren Nix: because
22:44
Darren Nix: we
22:44
Darren Nix: agreed
22:44
Darren Nix: that
22:45
Darren Nix: we
22:45
Darren Nix: were
22:45
Darren Nix: insuring
22:45
Darren Nix: an
22:45
Darren Nix: occupied
22:46
Darren Nix: property.
22:47
Darren Nix: So
22:48
Darren Nix: where
22:48
Darren Nix: this
22:49
Darren Nix: is
22:49
Darren Nix: going
22:49
Darren Nix: is.
22:50
Darren Nix: There's
22:50
Darren Nix: a
22:50
Darren Nix: lot
22:50
Darren Nix: of
22:51
Darren Nix: gotchas.
22:51
Darren Nix: No
22:52
Darren Nix: one
22:52
Darren Nix: can
22:52
Darren Nix: be
22:52
Darren Nix: expected
22:53
Darren Nix: to
22:53
Darren Nix: know
22:54
Darren Nix: all
22:54
Darren Nix: of
22:54
Darren Nix: these
22:54
Darren Nix: gotchas.
22:55
Darren Nix: And
22:55
Darren Nix: so
22:56
Darren Nix: the
22:56
Darren Nix: best
22:57
Darren Nix: advice
22:57
Darren Nix: that
22:57
Darren Nix: I
22:57
Darren Nix: can
22:58
Darren Nix: give
22:59
Darren Nix: that
22:59
Darren Nix: I
22:59
Darren Nix: wish
22:59
Darren Nix: I
22:59
Darren Nix: had
23:00
Darren Nix: followed
23:00
Darren Nix: myself
23:00
Darren Nix: is
23:02
Darren Nix: call
23:02
Darren Nix: your
23:02
Darren Nix: agent.
23:03
Darren Nix: When
23:03
Darren Nix: something
23:03
Darren Nix: changes.
23:05
Darren Nix: You
23:05
Darren Nix: don't
23:05
Darren Nix: need
23:05
Darren Nix: to
23:06
Darren Nix: stay
23:06
Darren Nix: on
23:06
Darren Nix: top
23:06
Darren Nix: of
23:07
Darren Nix: it
23:07
Darren Nix: when
23:07
Darren Nix: things
23:07
Darren Nix: are
23:07
Darren Nix: in
23:07
Darren Nix: a
23:07
Darren Nix: steady
23:08
Darren Nix: state.
23:08
Darren Nix: If
23:09
Darren Nix: you've
23:09
Darren Nix: been
23:09
Darren Nix: renting
23:09
Darren Nix: it
23:10
Darren Nix: for
23:10
Darren Nix: four
23:10
Darren Nix: years,
23:11
Darren Nix: tenants
23:11
Darren Nix: are
23:11
Darren Nix: coming
23:11
Darren Nix: and
23:12
Darren Nix: going.
23:13
Darren Nix: No
23:14
Darren Nix: need
23:14
Darren Nix: to
23:14
Darren Nix: check
23:14
Darren Nix: in
23:14
Darren Nix: with
23:14
Darren Nix: your
23:14
Darren Nix: agent,
23:15
Darren Nix: but
23:15
Darren Nix: if
23:15
Darren Nix: something
23:16
Darren Nix: changes.
23:18
Darren Nix: Send
23:18
Darren Nix: them
23:18
Darren Nix: an
23:18
Darren Nix: email
23:19
Darren Nix: and
23:19
Darren Nix: be
23:19
Darren Nix: like,
23:19
Darren Nix: Hey,
23:20
Darren Nix: this
23:20
Darren Nix: thing
23:20
Darren Nix: is
23:20
Darren Nix: happening.
23:21
Darren Nix: I
23:21
Darren Nix: just
23:21
Darren Nix: wanna
23:21
Darren Nix: make
23:22
Darren Nix: sure
23:22
Darren Nix: I'm
23:22
Darren Nix: covered.
23:23
Darren Nix: You
23:24
Darren Nix: decide
23:24
Darren Nix: to
23:26
Darren Nix: upgrade
23:26
Darren Nix: your
23:26
Darren Nix: listing
23:27
Darren Nix: to
23:27
Darren Nix: try
23:27
Darren Nix: to
23:27
Darren Nix: be
23:27
Darren Nix: able
23:28
Darren Nix: to
23:28
Darren Nix: get
23:28
Darren Nix: a
23:28
Darren Nix: much
23:28
Darren Nix: higher
23:28
Darren Nix: nightly
23:29
Darren Nix: rate,
23:30
Darren Nix: so
23:30
Darren Nix: you
23:30
Darren Nix: buy
23:30
Darren Nix: a
23:31
Darren Nix: hundred
23:31
Darren Nix: thousand
23:31
Darren Nix: dollars
23:31
Darren Nix: of
23:31
Darren Nix: high-end
23:32
Darren Nix: furniture
23:32
Darren Nix: and
23:33
Darren Nix: you
23:33
Darren Nix: move
23:33
Darren Nix: it
23:33
Darren Nix: all
23:33
Darren Nix: in.
23:35
Darren Nix: Well,
23:35
Darren Nix: guess
23:35
Darren Nix: what?
23:35
Darren Nix: Your
23:36
Darren Nix: policy
23:37
Darren Nix: probably
23:37
Darren Nix: only
23:38
Darren Nix: covers
23:38
Darren Nix: you
23:38
Darren Nix: for
23:40
Darren Nix: 10%
23:41
Darren Nix: of
23:41
Darren Nix: the
23:41
Darren Nix: face
23:41
Darren Nix: value
23:42
Darren Nix: of
23:42
Darren Nix: your
23:42
Darren Nix: policy.
23:43
Darren Nix: So
23:44
Darren Nix: let's
23:44
Darren Nix: be
23:44
Darren Nix: more
23:44
Darren Nix: specific.
23:45
Darren Nix: Let's
23:45
Darren Nix: say
23:45
Darren Nix: that
23:45
Darren Nix: you
23:46
Darren Nix: have
23:46
Darren Nix: a
23:46
Darren Nix: $250,000
23:47
Darren Nix: policy.
23:48
Darren Nix: That
23:49
Darren Nix: means
23:49
Darren Nix: that
23:49
Darren Nix: by
23:49
Darren Nix: default,
23:50
Darren Nix: you're
23:50
Darren Nix: only
23:50
Darren Nix: gonna
23:50
Darren Nix: have
23:50
Darren Nix: $25,000
23:51
Darren Nix: worth
23:52
Darren Nix: of
23:52
Darren Nix: coverage
23:53
Darren Nix: for
23:53
Darren Nix: furnishings.
23:55
Darren Nix: So
23:55
Darren Nix: if
23:55
Darren Nix: you
23:55
Darren Nix: just
23:55
Darren Nix: moved
23:56
Darren Nix: in
23:56
Darren Nix: a
23:56
Darren Nix: ton
23:56
Darren Nix: of
23:56
Darren Nix: high-end
23:57
Darren Nix: stuff,
23:58
Darren Nix: you
23:58
Darren Nix: need
23:59
Darren Nix: to
23:59
Darren Nix: email
23:59
Darren Nix: your
24:00
Darren Nix: agent
24:00
Darren Nix: and
24:00
Darren Nix: say,
24:00
Darren Nix: Hey,
24:01
Darren Nix: I'm
24:01
Darren Nix: bringing
24:02
Darren Nix: in
24:02
Darren Nix: like
24:03
Darren Nix: leather
24:03
Darren Nix: sofas
24:04
Darren Nix: and
24:04
Darren Nix: a
24:05
Darren Nix: $10,000
24:05
Darren Nix: stereo
24:06
Darren Nix: system
24:06
Darren Nix: or
24:06
Darren Nix: a
24:07
Darren Nix: hot
24:07
Darren Nix: tub
24:07
Darren Nix: or
24:07
Darren Nix: whatever
24:07
Darren Nix: it
24:07
Darren Nix: is.
24:08
Darren Nix: I
24:08
Darren Nix: wanna
24:08
Darren Nix: make
24:09
Darren Nix: sure
24:09
Darren Nix: this
24:09
Darren Nix: is
24:09
Darren Nix: gonna
24:09
Darren Nix: be
24:09
Darren Nix: covered
24:10
Darren Nix: and
24:10
Darren Nix: they'll
24:10
Darren Nix: check
24:10
Darren Nix: your
24:10
Darren Nix: limits
24:11
Darren Nix: and
24:11
Darren Nix: be
24:11
Darren Nix: like,
24:11
Darren Nix: okay,
24:11
Darren Nix: I
24:12
Darren Nix: just
24:12
Darren Nix: bumped
24:12
Darren Nix: it
24:12
Darren Nix: up
24:12
Darren Nix: to
24:12
Darren Nix: like,
24:13
Darren Nix: whatever.
24:13
Darren Nix: And
24:14
Darren Nix: probably
24:14
Darren Nix: it'll
24:14
Darren Nix: add
24:14
Darren Nix: like
24:14
Darren Nix: 14
24:15
Darren Nix: or
24:15
Darren Nix: $15
24:15
Darren Nix: to
24:16
Darren Nix: your,
24:16
Darren Nix: to
24:16
Darren Nix: your
24:17
Darren Nix: annual
24:17
Darren Nix: bill,
24:18
Darren Nix: but
24:18
Darren Nix: you'll
24:18
Darren Nix: know
24:18
Darren Nix: that
24:19
Darren Nix: you're
24:19
Darren Nix: actually
24:19
Darren Nix: covered
24:20
Darren Nix: because
24:20
Darren Nix: you
24:20
Darren Nix: sent
24:20
Darren Nix: that
24:20
Darren Nix: note.
24:21
Annette Grant: You
24:22
Annette Grant: just
24:22
Annette Grant: mentioned
24:23
Annette Grant: it
24:23
Annette Grant: briefly,
24:23
Annette Grant: you
24:24
Annette Grant: said
24:24
Annette Grant: hot
24:24
Annette Grant: tub,
24:24
Annette Grant: but
24:25
Annette Grant: what
24:25
Annette Grant: are,
24:25
Annette Grant: what
24:26
Annette Grant: are
24:26
Annette Grant: exposures?
24:27
Annette Grant: So
24:27
Annette Grant: many
24:27
Annette Grant: people
24:27
Annette Grant: now
24:27
Annette Grant: are
24:28
Annette Grant: doing
24:28
Annette Grant: saunas,
24:29
Annette Grant: cold
24:29
Annette Grant: plunge.
24:30
Annette Grant: Pickleball
24:30
Annette Grant: court.
24:31
Annette Grant: What,
24:32
Annette Grant: what
24:32
Annette Grant: are,
24:33
Annette Grant: what
24:33
Annette Grant: exposure
24:33
Annette Grant: is
24:34
Annette Grant: there
24:34
Annette Grant: is
24:34
Annette Grant: and
24:34
Annette Grant: is
24:34
Annette Grant: that
24:35
Annette Grant: also
24:35
Annette Grant: when
24:35
Annette Grant: you're
24:35
Annette Grant: adding
24:36
Annette Grant: amenities,
24:36
Annette Grant: whatever
24:37
Annette Grant: that
24:37
Annette Grant: amenity
24:38
Annette Grant: might
24:38
Annette Grant: be,
24:39
Annette Grant: is
24:39
Annette Grant: that
24:39
Annette Grant: a
24:39
Annette Grant: call
24:40
Annette Grant: ahead
24:40
Annette Grant: of
24:40
Annette Grant: time
24:41
Annette Grant: to,
24:42
Annette Grant: to
24:42
Annette Grant: review,
24:42
Annette Grant: also,
24:43
Annette Grant: like
24:43
Annette Grant: do
24:43
Annette Grant: you
24:43
Annette Grant: find
24:43
Annette Grant: that
24:44
Annette Grant: a
24:44
Annette Grant: lot
24:44
Annette Grant: of
24:44
Annette Grant: times
24:44
Annette Grant: that
24:44
Annette Grant: hosts
24:45
Annette Grant: are
24:45
Annette Grant: implementing
24:46
Annette Grant: amenities
24:47
Annette Grant: and
24:47
Annette Grant: then
24:47
Annette Grant: calling
24:48
Annette Grant: to
24:48
Annette Grant: see
24:48
Annette Grant: if
24:48
Annette Grant: they're
24:48
Annette Grant: insured
24:49
Annette Grant: on
24:49
Annette Grant: them?
24:51
Darren Nix: Yes.
24:52
Darren Nix: But
24:53
Darren Nix: the
24:54
Darren Nix: good
24:54
Darren Nix: news
24:55
Darren Nix: is
24:55
Darren Nix: that
24:55
Darren Nix: for
24:55
Darren Nix: most
24:56
Darren Nix: amenities,
24:57
Darren Nix: getting
24:58
Darren Nix: them
24:58
Darren Nix: insured
24:59
Darren Nix: is
24:59
Darren Nix: not
24:59
Darren Nix: gonna
24:59
Darren Nix: change
25:00
Darren Nix: the
25:00
Darren Nix: bill
25:00
Darren Nix: all
25:00
Darren Nix: that
25:00
Darren Nix: dramatically,
25:01
Darren Nix: as
25:02
Darren Nix: long
25:02
Darren Nix: as
25:02
Darren Nix: the
25:02
Darren Nix: company
25:03
Darren Nix: doing
25:03
Darren Nix: the
25:03
Darren Nix: insuring
25:04
Darren Nix: knows
25:04
Darren Nix: ahead
25:04
Darren Nix: of
25:04
Darren Nix: time
25:05
Darren Nix: or,
25:06
Darren Nix: uh,
25:06
Darren Nix: is
25:06
Darren Nix: told
25:06
Darren Nix: ahead
25:07
Darren Nix: of
25:07
Darren Nix: a
25:07
Darren Nix: claim.
25:08
Darren Nix: So
25:08
Darren Nix: you
25:08
Darren Nix: don't
25:08
Darren Nix: wanna
25:08
Darren Nix: wait
25:08
Darren Nix: until
25:08
Darren Nix: the
25:08
Darren Nix: claim
25:09
Darren Nix: happens
25:09
Darren Nix: to
25:09
Darren Nix: let
25:09
Darren Nix: them
25:10
Darren Nix: know
25:10
Darren Nix: that
25:10
Darren Nix: you,
25:10
Darren Nix: you
25:10
Darren Nix: made
25:11
Darren Nix: all
25:11
Darren Nix: these
25:11
Darren Nix: upgrades.
25:12
Darren Nix: But
25:12
Darren Nix: when
25:12
Darren Nix: you're
25:12
Darren Nix: talking
25:12
Darren Nix: about
25:12
Darren Nix: risks,
25:13
Darren Nix: the
25:13
Darren Nix: way
25:14
Darren Nix: as
25:14
Darren Nix: a
25:14
Darren Nix: host,
25:14
Darren Nix: you
25:14
Darren Nix: can
25:15
Darren Nix: boil
25:15
Darren Nix: this
25:15
Darren Nix: down
25:16
Darren Nix: to.
25:17
Darren Nix: Where
25:17
Darren Nix: there's
25:17
Darren Nix: risk
25:18
Darren Nix: is
25:18
Darren Nix: asking
25:18
Darren Nix: yourself,
25:19
Darren Nix: what's
25:19
Darren Nix: the
25:19
Darren Nix: probability
25:20
Darren Nix: that
25:20
Darren Nix: a
25:20
Darren Nix: 6-year-old
25:21
Darren Nix: is
25:21
Darren Nix: going
25:22
Darren Nix: to
25:22
Darren Nix: get
25:22
Darren Nix: badly
25:22
Darren Nix: hurt
25:23
Darren Nix: in
25:23
Darren Nix: my
25:23
Darren Nix: property?
25:25
Darren Nix: So
25:25
Darren Nix: a
25:25
Darren Nix: pickleball
25:25
Darren Nix: court
25:26
Darren Nix: shrug
25:29
Darren Nix: a
25:30
Darren Nix: hot
25:30
Darren Nix: tub,
25:33
Darren Nix: potential
25:33
Darren Nix: concerning,
25:34
Darren Nix: a
25:35
Darren Nix: trampoline
25:35
Darren Nix: with
25:36
Darren Nix: no
25:36
Darren Nix: netting
25:36
Darren Nix: around
25:36
Darren Nix: it.
25:37
Darren Nix: Extremely
25:38
Darren Nix: high
25:38
Darren Nix: concern,
25:39
Darren Nix: all
25:40
Darren Nix: with
25:40
Darren Nix: no
25:40
Darren Nix: locking
25:41
Darren Nix: fences,
25:42
Darren Nix: pretty
25:42
Darren Nix: high
25:42
Darren Nix: concern.
25:43
Darren Nix: So
25:43
Darren Nix: these
25:43
Darren Nix: are
25:43
Darren Nix: the
25:43
Darren Nix: types
25:44
Darren Nix: of
25:44
Darren Nix: things
25:44
Darren Nix: that
25:44
Darren Nix: insurance
25:45
Darren Nix: companies.
25:46
Darren Nix: Worry
25:46
Darren Nix: about
25:47
Darren Nix: and
25:48
Darren Nix: figure
25:49
Darren Nix: into
25:49
Darren Nix: the,
25:50
Darren Nix: you
25:50
Darren Nix: know,
25:50
Darren Nix: the
25:50
Darren Nix: cost
25:50
Darren Nix: of
25:50
Darren Nix: the
25:50
Darren Nix: insurance.
25:52
Darren Nix: Because
25:52
Darren Nix: what
25:52
Darren Nix: they're
25:52
Darren Nix: looking
25:52
Darren Nix: at
25:53
Darren Nix: is
25:53
Darren Nix: what
25:54
Darren Nix: are
25:54
Darren Nix: the
25:54
Darren Nix: odds
25:54
Darren Nix: that
25:54
Darren Nix: I'm
25:54
Darren Nix: gonna
25:55
Darren Nix: end
25:55
Darren Nix: up
25:55
Darren Nix: paying
25:55
Darren Nix: a
25:56
Darren Nix: million
25:56
Darren Nix: dollar,
25:57
Darren Nix: uh,
25:57
Darren Nix: liability
25:58
Darren Nix: claim
25:58
Darren Nix: because
25:59
Darren Nix: something
25:59
Darren Nix: really
25:59
Darren Nix: bad
25:59
Darren Nix: happened.
26:00
Darren Nix: That's
26:00
Darren Nix: what
26:00
Darren Nix: they're
26:00
Darren Nix: trying
26:00
Darren Nix: to
26:01
Darren Nix: do
26:01
Darren Nix: the
26:01
Darren Nix: math
26:01
Darren Nix: on.
26:01
Annette Grant: Okay.
26:02
Annette Grant: So
26:02
Annette Grant: the,
26:03
Annette Grant: is
26:03
Annette Grant: that,
26:03
Annette Grant: is
26:03
Annette Grant: that
26:03
Annette Grant: a
26:03
Annette Grant: common
26:04
Annette Grant: thing
26:04
Annette Grant: that
26:04
Annette Grant: hosts
26:04
Annette Grant: should
26:04
Annette Grant: think?
26:04
Annette Grant: Like,
26:05
Annette Grant: honestly,
26:06
Annette Grant: is
26:06
Annette Grant: this
26:06
Annette Grant: the
26:06
Annette Grant: 6-year-old?
26:07
Annette Grant: Like
26:07
Annette Grant: who
26:07
Annette Grant: is
26:07
Annette Grant: the
26:08
Annette Grant: guest
26:08
Annette Grant: that's
26:08
Annette Grant: gonna
26:08
Annette Grant: be
26:08
Annette Grant: using
26:09
Annette Grant: the
26:09
Annette Grant: property?
26:09
Annette Grant: Is
26:09
Annette Grant: that
26:09
Annette Grant: kind
26:10
Annette Grant: of
26:10
Annette Grant: the,
26:10
Annette Grant: can
26:10
Annette Grant: our
26:11
Annette Grant: host
26:11
Annette Grant: start
26:11
Annette Grant: doing
26:11
Annette Grant: the
26:11
Annette Grant: six
26:12
Annette Grant: yearold
26:12
Annette Grant: test
26:12
Annette Grant: of
26:12
Annette Grant: like,
26:13
Annette Grant: just
26:13
Annette Grant: thinking
26:13
Annette Grant: through
26:14
Annette Grant: all
26:14
Annette Grant: of
26:15
Annette Grant: them
26:15
Annette Grant: and
26:15
Annette Grant: is
26:15
Annette Grant: it
26:15
Annette Grant: like,
26:15
Annette Grant: do
26:15
Annette Grant: you
26:16
Annette Grant: think,
26:16
Annette Grant: do
26:16
Annette Grant: you
26:16
Annette Grant: think
26:16
Annette Grant: of
26:16
Annette Grant: the
26:16
Annette Grant: older
26:17
Annette Grant: adult,
26:17
Annette Grant: do
26:17
Annette Grant: you
26:17
Annette Grant: think
26:18
Annette Grant: of
26:18
Annette Grant: the,
26:19
Annette Grant: um,
26:19
Annette Grant: middle
26:19
Annette Grant: aged
26:19
Annette Grant: adult
26:20
Annette Grant: and
26:20
Annette Grant: then
26:20
Annette Grant: a
26:21
Annette Grant: child
26:21
Annette Grant: when
26:21
Annette Grant: you're
26:21
Annette Grant: kind
26:21
Annette Grant: of
26:21
Annette Grant: processing
26:22
Annette Grant: what
26:22
Annette Grant: you,
26:23
Annette Grant: what
26:23
Annette Grant: you're
26:23
Annette Grant: thinking
26:23
Annette Grant: about
26:23
Annette Grant: adding
26:24
Annette Grant: to
26:24
Annette Grant: your
26:24
Annette Grant: home?
26:28
Darren Nix: I
26:28
Darren Nix: would
26:28
Darren Nix: advise
26:29
Darren Nix: hosts
26:29
Darren Nix: to
26:30
Darren Nix: make
26:31
Darren Nix: the
26:31
Darren Nix: investments
26:31
Darren Nix: in
26:31
Darren Nix: the
26:32
Darren Nix: property,
26:32
Darren Nix: regardless
26:33
Darren Nix: of
26:33
Darren Nix: the
26:33
Darren Nix: insurance
26:34
Darren Nix: landscape
26:35
Darren Nix: that
26:35
Darren Nix: they
26:35
Darren Nix: think
26:35
Darren Nix: is
26:35
Darren Nix: gonna
26:36
Darren Nix: deliver
26:36
Darren Nix: the
26:36
Darren Nix: best
26:36
Darren Nix: return
26:37
Darren Nix: on
26:37
Darren Nix: the
26:37
Darren Nix: property.
26:38
Darren Nix: So
26:38
Darren Nix: the
26:38
Darren Nix: property
26:38
Darren Nix: needs
26:38
Darren Nix: a
26:38
Darren Nix: trampoline
26:39
Darren Nix: or
26:39
Darren Nix: it
26:39
Darren Nix: needs
26:40
Darren Nix: a
26:40
Darren Nix: pool,
26:40
Darren Nix: do
26:41
Darren Nix: it.
26:41
Darren Nix: But
26:42
Darren Nix: when
26:42
Darren Nix: you're
26:42
Darren Nix: trying
26:42
Darren Nix: to
26:42
Darren Nix: anticipate
26:43
Darren Nix: how
26:43
Darren Nix: the
26:43
Darren Nix: insurance
26:44
Darren Nix: company
26:44
Darren Nix: is
26:44
Darren Nix: gonna
26:44
Darren Nix: react
26:46
Darren Nix: and
26:46
Darren Nix: what's
26:46
Darren Nix: probably
26:46
Darren Nix: gonna
26:47
Darren Nix: happen
26:47
Darren Nix: to
26:47
Darren Nix: the
26:47
Darren Nix: premium,
26:48
Darren Nix: the,
26:49
Darren Nix: you
26:49
Darren Nix: can
26:49
Darren Nix: predict
26:50
Darren Nix: how
26:50
Darren Nix: they're
26:50
Darren Nix: gonna
26:51
Darren Nix: react
26:51
Darren Nix: by
26:51
Darren Nix: imagining
26:52
Darren Nix: what
26:52
Darren Nix: bad
26:52
Darren Nix: thing
26:52
Darren Nix: is
26:52
Darren Nix: gonna
26:53
Darren Nix: happen
26:53
Darren Nix: to
26:53
Darren Nix: a
26:53
Darren Nix: 6-year-old
26:54
Darren Nix: when
26:54
Darren Nix: they
26:54
Darren Nix: encounter
26:54
Darren Nix: that
26:54
Darren Nix: thing.
26:56
Annette Grant: I
26:56
Annette Grant: know
26:57
Annette Grant: that
26:57
Annette Grant: a
26:57
Annette Grant: lot
26:57
Annette Grant: of
26:57
Annette Grant: hosts
26:58
Annette Grant: think
26:58
Annette Grant: that
26:58
Annette Grant: they're
26:59
Annette Grant: protecting
26:59
Annette Grant: themselves
27:00
Annette Grant: Darren
27:00
Annette Grant: and
27:00
Annette Grant: by
27:01
Annette Grant: an
27:01
Annette Grant: additional
27:02
Annette Grant: waiver.
27:02
Annette Grant: So
27:03
Annette Grant: they'll
27:03
Annette Grant: have
27:03
Annette Grant: a
27:03
Annette Grant: pool
27:04
Annette Grant: waiver,
27:04
Annette Grant: they'll
27:04
Annette Grant: have
27:05
Annette Grant: a
27:05
Annette Grant: hot
27:05
Annette Grant: tub
27:05
Annette Grant: waiver,
27:06
Annette Grant: they'll
27:06
Annette Grant: whatever
27:07
Annette Grant: amenity
27:07
Annette Grant: they
27:07
Annette Grant: have.
27:08
Annette Grant: How
27:10
Annette Grant: do,
27:10
Annette Grant: how
27:11
Annette Grant: do
27:11
Annette Grant: those,
27:11
Annette Grant: do
27:11
Annette Grant: those
27:12
Annette Grant: actually
27:13
Annette Grant: protect
27:14
Annette Grant: the
27:14
Annette Grant: host,
27:15
Annette Grant: or
27:15
Annette Grant: does
27:15
Annette Grant: the
27:16
Annette Grant: insurance
27:16
Annette Grant: company
27:17
Annette Grant: need
27:17
Annette Grant: to
27:17
Annette Grant: have
27:17
Annette Grant: reviewed
27:18
Annette Grant: that
27:18
Annette Grant: waiver
27:18
Annette Grant: ahead
27:19
Annette Grant: of
27:19
Annette Grant: time?
27:19
Annette Grant: Because
27:19
Annette Grant: I
27:19
Annette Grant: do
27:19
Annette Grant: feel
27:19
Annette Grant: like
27:20
Annette Grant: we
27:20
Annette Grant: talk
27:20
Annette Grant: to
27:20
Annette Grant: a
27:20
Annette Grant: lot
27:20
Annette Grant: of
27:20
Annette Grant: hosts
27:21
Annette Grant: that
27:21
Annette Grant: require
27:22
Annette Grant: all
27:22
Annette Grant: these
27:22
Annette Grant: waivers
27:22
Annette Grant: to
27:22
Annette Grant: be
27:23
Annette Grant: signed,
27:23
Annette Grant: and
27:23
Annette Grant: I
27:23
Annette Grant: don't
27:23
Annette Grant: know
27:23
Annette Grant: if
27:24
Annette Grant: they're
27:24
Annette Grant: actually
27:24
Annette Grant: going
27:24
Annette Grant: to
27:24
Annette Grant: protect
27:25
Annette Grant: them.
27:25
Annette Grant: If
27:25
Annette Grant: something
27:26
Annette Grant: were
27:26
Annette Grant: to
27:26
Annette Grant: happen.
27:27
Darren Nix: They're
27:28
Darren Nix: not
27:28
Darren Nix: actually
27:28
Darren Nix: going
27:29
Darren Nix: to
27:29
Darren Nix: protect
27:29
Darren Nix: them
27:30
Darren Nix: in
27:30
Darren Nix: the
27:30
Darren Nix: way
27:30
Darren Nix: that
27:30
Darren Nix: they
27:30
Darren Nix: wish
27:31
Darren Nix: they
27:31
Darren Nix: would.
27:31
Darren Nix: They're
27:32
Darren Nix: better
27:32
Darren Nix: than
27:32
Darren Nix: nothing.
27:33
Darren Nix: And
27:33
Darren Nix: the
27:33
Darren Nix: insurance
27:34
Darren Nix: company
27:34
Darren Nix: does
27:34
Darren Nix: not
27:34
Darren Nix: want
27:35
Darren Nix: to
27:35
Darren Nix: review
27:35
Darren Nix: them
27:36
Darren Nix: because
27:37
Darren Nix: it
27:37
Darren Nix: would
27:37
Darren Nix: cost
27:37
Darren Nix: them,
27:38
Darren Nix: uh,
27:38
Darren Nix: $500
27:39
Darren Nix: to
27:39
Darren Nix: have
27:39
Darren Nix: an
27:40
Darren Nix: attorney
27:40
Darren Nix: pick
27:40
Darren Nix: up
27:40
Darren Nix: the
27:40
Darren Nix: phone
27:40
Darren Nix: and
27:40
Darren Nix: take
27:41
Darren Nix: a
27:41
Darren Nix: look
27:41
Darren Nix: at
27:41
Darren Nix: that
27:41
Darren Nix: contract.
27:42
Darren Nix: So
27:43
Darren Nix: it's
27:43
Darren Nix: better
27:44
Darren Nix: than
27:44
Darren Nix: nothing.
27:45
Darren Nix: But
27:45
Darren Nix: the
27:45
Darren Nix: problem
27:46
Darren Nix: with
27:46
Darren Nix: these
27:46
Darren Nix: types
27:46
Darren Nix: of
27:47
Darren Nix: contracts
27:47
Darren Nix: is
27:48
Darren Nix: that
27:49
Darren Nix: in,
27:51
Darren Nix: when
27:51
Darren Nix: you
27:51
Darren Nix: think
27:51
Darren Nix: about
27:52
Darren Nix: lawsuits,
27:53
Darren Nix: number
27:53
Darren Nix: one,
27:56
Darren Nix: in
27:56
Darren Nix: the
27:56
Darren Nix: United
27:57
Darren Nix: States
27:57
Darren Nix: in
27:57
Darren Nix: particular,
27:59
Darren Nix: nobody
27:59
Darren Nix: has
28:00
Darren Nix: to
28:00
Darren Nix: expect
28:00
Darren Nix: to
28:00
Darren Nix: win
28:01
Darren Nix: a
28:01
Darren Nix: lawsuit
28:01
Darren Nix: in
28:01
Darren Nix: order
28:01
Darren Nix: to
28:02
Darren Nix: file
28:02
Darren Nix: one.
28:05
Darren Nix: And
28:05
Darren Nix: just
28:05
Darren Nix: defending
28:05
Darren Nix: a
28:06
Darren Nix: lawsuit
28:06
Darren Nix: is
28:06
Darren Nix: often
28:07
Darren Nix: a
28:07
Darren Nix: hundred
28:07
Darren Nix: thousand
28:07
Darren Nix: dollars
28:08
Darren Nix: endeavor.
28:08
Darren Nix: Even
28:08
Darren Nix: if
28:08
Darren Nix: you
28:09
Darren Nix: know
28:09
Darren Nix: you're
28:09
Darren Nix: going
28:09
Darren Nix: to
28:09
Darren Nix: win,
28:10
Darren Nix: it's
28:10
Darren Nix: still
28:10
Darren Nix: gonna
28:10
Darren Nix: cost
28:10
Darren Nix: you
28:10
Darren Nix: a
28:10
Darren Nix: hundred
28:11
Darren Nix: thousand
28:11
Darren Nix: dollars.
28:13
Darren Nix: Um,
28:13
Darren Nix: number
28:14
Darren Nix: two
28:14
Darren Nix: is
28:15
Darren Nix: that
28:16
Darren Nix: in
28:16
Darren Nix: many
28:16
Darren Nix: cases
28:18
Darren Nix: you're
28:18
Darren Nix: not
28:18
Darren Nix: trying
28:19
Darren Nix: to
28:20
Darren Nix: convince
28:20
Darren Nix: a
28:21
Darren Nix: judge.
28:21
Darren Nix: You're
28:21
Darren Nix: trying
28:22
Darren Nix: to
28:22
Darren Nix: convince
28:22
Darren Nix: a
28:22
Darren Nix: jury,
28:24
Darren Nix: and
28:24
Darren Nix: juries
28:24
Darren Nix: are
28:24
Darren Nix: weird.
28:25
Darren Nix: And
28:26
Darren Nix: so
28:26
Darren Nix: as
28:26
Darren Nix: a
28:27
Darren Nix: host
28:28
Darren Nix: sure
28:29
Darren Nix: have
28:29
Darren Nix: people
28:30
Darren Nix: sign
28:30
Darren Nix: the
28:30
Darren Nix: waiver,
28:31
Darren Nix: but
28:33
Darren Nix: buy
28:33
Darren Nix: insurance
28:33
Darren Nix: anyway.
28:35
Annette Grant: Right.
28:36
Darren Nix: Is
28:36
Darren Nix: my
28:36
Darren Nix: take
28:37
Darren Nix: because,
28:38
Darren Nix: uh,
28:38
Darren Nix: that,
28:39
Darren Nix: that
28:39
Darren Nix: piece
28:39
Darren Nix: of
28:39
Darren Nix: paper
28:40
Darren Nix: very,
28:40
Darren Nix: very
28:40
Darren Nix: likely
28:41
Darren Nix: will
28:41
Darren Nix: not
28:41
Darren Nix: hold
28:41
Darren Nix: up,
28:42
Darren Nix: uh,
28:42
Darren Nix: when
28:42
Darren Nix: it's,
28:43
Darren Nix: when
28:43
Darren Nix: something
28:43
Darren Nix: bad
28:43
Darren Nix: happens.
28:44
Sarah Karakaian: Yeah.
28:44
Sarah Karakaian: And
28:45
Sarah Karakaian: now
28:45
Sarah Karakaian: that
28:45
Sarah Karakaian: we've
28:45
Sarah Karakaian: talked
28:45
Sarah Karakaian: about
28:45
Sarah Karakaian: all
28:46
Sarah Karakaian: these,
28:47
Sarah Karakaian: I
28:47
Sarah Karakaian: won't
28:48
Sarah Karakaian: say
28:48
Sarah Karakaian: scary,
28:48
Sarah Karakaian: although
28:49
Sarah Karakaian: I
28:49
Sarah Karakaian: want
28:49
Sarah Karakaian: to
28:50
Sarah Karakaian: all
28:50
Sarah Karakaian: of
28:50
Sarah Karakaian: these
28:50
Sarah Karakaian: realistic
28:52
Sarah Karakaian: potential
28:53
Sarah Karakaian: events.
28:54
Sarah Karakaian: Let's
28:55
Sarah Karakaian: go
28:55
Sarah Karakaian: back
28:55
Sarah Karakaian: to
28:55
Sarah Karakaian: the
28:55
Sarah Karakaian: fact
28:55
Sarah Karakaian: that
28:56
Sarah Karakaian: Darren,
28:56
Sarah Karakaian: there
28:56
Sarah Karakaian: are
28:56
Sarah Karakaian: still
28:57
Sarah Karakaian: hosts
28:57
Sarah Karakaian: out
28:57
Sarah Karakaian: there,
28:57
Sarah Karakaian: experienced
28:58
Sarah Karakaian: hosts
28:59
Sarah Karakaian: who
29:00
Sarah Karakaian: don't
29:00
Sarah Karakaian: have
29:00
Sarah Karakaian: the
29:00
Sarah Karakaian: proper
29:01
Sarah Karakaian: coverage.
29:01
Sarah Karakaian: Either
29:02
Sarah Karakaian: they
29:02
Sarah Karakaian: have
29:02
Sarah Karakaian: homeowners
29:02
Sarah Karakaian: insurance
29:03
Sarah Karakaian: or
29:03
Sarah Karakaian: a
29:03
Sarah Karakaian: landlord
29:04
Sarah Karakaian: policy,
29:05
Sarah Karakaian: and
29:06
Sarah Karakaian: they
29:06
Sarah Karakaian: sign
29:06
Sarah Karakaian: up
29:07
Sarah Karakaian: and
29:07
Sarah Karakaian: they
29:07
Sarah Karakaian: list
29:07
Sarah Karakaian: their
29:07
Sarah Karakaian: property
29:08
Sarah Karakaian: on
29:08
Sarah Karakaian: Airbnb,
29:09
Sarah Karakaian: an
29:09
Sarah Karakaian: Airbnb
29:09
Sarah Karakaian: touts
29:10
Sarah Karakaian: air
29:10
Sarah Karakaian: cover,
29:11
Sarah Karakaian: and
29:11
Sarah Karakaian: they
29:12
Sarah Karakaian: don't
29:12
Sarah Karakaian: think
29:12
Sarah Karakaian: twice
29:12
Sarah Karakaian: about
29:13
Sarah Karakaian: it.
29:14
Sarah Karakaian: How,
29:14
Sarah Karakaian: what,
29:15
Sarah Karakaian: how
29:15
Sarah Karakaian: would
29:15
Sarah Karakaian: you
29:15
Sarah Karakaian: explain
29:17
Sarah Karakaian: to
29:17
Sarah Karakaian: these
29:17
Sarah Karakaian: hosts
29:17
Sarah Karakaian: who
29:17
Sarah Karakaian: still
29:18
Sarah Karakaian: don't
29:18
Sarah Karakaian: understand
29:18
Sarah Karakaian: or
29:19
Sarah Karakaian: haven't
29:19
Sarah Karakaian: really
29:19
Sarah Karakaian: thought
29:19
Sarah Karakaian: about
29:19
Sarah Karakaian: it
29:19
Sarah Karakaian: in
29:20
Sarah Karakaian: a
29:20
Sarah Karakaian: way
29:20
Sarah Karakaian: that
29:21
Sarah Karakaian: until
29:22
Sarah Karakaian: it's,
29:22
Sarah Karakaian: it's
29:22
Sarah Karakaian: too
29:22
Sarah Karakaian: late?
29:24
Sarah Karakaian: They
29:24
Sarah Karakaian: may
29:25
Sarah Karakaian: be
29:25
Sarah Karakaian: inadequately
29:26
Sarah Karakaian: covered
29:27
Sarah Karakaian: and
29:27
Sarah Karakaian: that
29:27
Sarah Karakaian: Aircover
29:27
Sarah Karakaian: isn't
29:29
Sarah Karakaian: the
29:29
Sarah Karakaian: best
29:29
Sarah Karakaian: insurance
29:29
Sarah Karakaian: policy
29:30
Sarah Karakaian: for
29:30
Sarah Karakaian: them
29:30
Sarah Karakaian: or
29:30
Sarah Karakaian: one
29:30
Sarah Karakaian: at
29:30
Sarah Karakaian: all.
29:33
Darren Nix: I
29:33
Darren Nix: want
29:33
Darren Nix: to
29:33
Darren Nix: answer
29:33
Darren Nix: this
29:33
Darren Nix: in
29:33
Darren Nix: two
29:34
Darren Nix: ways.
29:34
Darren Nix: One
29:34
Darren Nix: is
29:34
Darren Nix: just
29:35
Darren Nix: to
29:35
Darren Nix: give
29:35
Darren Nix: the
29:35
Darren Nix: crisp
29:36
Darren Nix: explanation
29:37
Darren Nix: of
29:37
Darren Nix: what
29:37
Darren Nix: air
29:37
Darren Nix: cover
29:38
Darren Nix: does
29:38
Darren Nix: and
29:38
Darren Nix: doesn't
29:38
Darren Nix: cover,
29:39
Darren Nix: and
29:39
Darren Nix: then
29:39
Darren Nix: two,
29:40
Darren Nix: to
29:40
Darren Nix: talk
29:40
Darren Nix: about
29:41
Darren Nix: what
29:41
Darren Nix: is
29:41
Darren Nix: too
29:41
Darren Nix: much
29:41
Darren Nix: insurance
29:42
Darren Nix: and
29:42
Darren Nix: when
29:42
Darren Nix: you
29:42
Darren Nix: might
29:42
Darren Nix: consider
29:43
Darren Nix: buying
29:43
Darren Nix: less
29:43
Darren Nix: insurance.
29:44
Darren Nix: So
29:45
Darren Nix: air
29:45
Darren Nix: cover,
29:45
Darren Nix: you
29:45
Darren Nix: can
29:46
Darren Nix: think
29:46
Darren Nix: of
29:46
Darren Nix: it
29:46
Darren Nix: as
29:46
Darren Nix: simply
29:47
Darren Nix: from
29:48
Darren Nix: the
29:48
Darren Nix: time
29:49
Darren Nix: that
29:49
Darren Nix: the
29:49
Darren Nix: check-in
29:51
Darren Nix: starts
29:53
Darren Nix: to
29:53
Darren Nix: the
29:53
Darren Nix: checkout
29:53
Darren Nix: time.
29:55
Darren Nix: Aircover
29:55
Darren Nix: will
29:55
Darren Nix: pay
29:56
Darren Nix: for
29:56
Darren Nix: damage
29:56
Darren Nix: that
29:57
Darren Nix: the
29:57
Darren Nix: tenant
29:57
Darren Nix: does
29:58
Darren Nix: to
29:58
Darren Nix: your
29:58
Darren Nix: property.
30:00
Darren Nix: So
30:00
Darren Nix: if
30:01
Darren Nix: a
30:01
Darren Nix: tenant
30:02
Darren Nix: comes
30:02
Darren Nix: in
30:02
Darren Nix: and
30:03
Darren Nix: pours
30:06
Darren Nix: beer
30:06
Darren Nix: all
30:06
Darren Nix: over
30:07
Darren Nix: your
30:07
Darren Nix: couch
30:08
Darren Nix: and
30:09
Darren Nix: you
30:09
Darren Nix: have
30:09
Darren Nix: to
30:09
Darren Nix: get
30:09
Darren Nix: that
30:09
Darren Nix: replaced
30:10
Darren Nix: and
30:10
Darren Nix: they
30:10
Darren Nix: did
30:10
Darren Nix: it
30:11
Darren Nix: during
30:11
Darren Nix: the
30:11
Darren Nix: time
30:11
Darren Nix: of
30:12
Darren Nix: their
30:12
Darren Nix: stay,
30:13
Darren Nix: air
30:14
Darren Nix: cover
30:14
Darren Nix: will
30:14
Darren Nix: pay
30:14
Darren Nix: for
30:14
Darren Nix: that.
30:16
Darren Nix: If
30:16
Darren Nix: a
30:17
Darren Nix: tornado
30:17
Darren Nix: comes
30:18
Darren Nix: through.
30:19
Darren Nix: Blows
30:19
Darren Nix: the
30:19
Darren Nix: roof
30:19
Darren Nix: off
30:20
Darren Nix: your
30:20
Darren Nix: property
30:20
Darren Nix: while
30:21
Darren Nix: a
30:21
Darren Nix: tenant
30:21
Darren Nix: is
30:21
Darren Nix: staying
30:21
Darren Nix: there.
30:22
Darren Nix: Aircover
30:22
Darren Nix: will
30:23
Darren Nix: not
30:23
Darren Nix: pay
30:23
Darren Nix: for
30:23
Darren Nix: it
30:24
Darren Nix: because
30:24
Darren Nix: a
30:24
Darren Nix: tenant
30:25
Darren Nix: didn't
30:25
Darren Nix: do
30:25
Darren Nix: it,
30:25
Darren Nix: nature
30:26
Darren Nix: did
30:26
Darren Nix: it,
30:27
Darren Nix: and
30:27
Darren Nix: they're
30:27
Darren Nix: expecting
30:28
Darren Nix: that
30:28
Darren Nix: your
30:29
Darren Nix: homeowner's
30:29
Darren Nix: policy
30:29
Darren Nix: or
30:30
Darren Nix: your
30:30
Darren Nix: landlord
30:30
Darren Nix: policy
30:31
Darren Nix: will
30:31
Darren Nix: pay
30:31
Darren Nix: for
30:31
Darren Nix: that.
30:32
Darren Nix: And
30:32
Darren Nix: so
30:32
Darren Nix: Aircover
30:33
Darren Nix: is
30:33
Darren Nix: always
30:33
Darren Nix: intended
30:34
Darren Nix: to
30:34
Darren Nix: be
30:34
Darren Nix: paired
30:35
Darren Nix: with
30:35
Darren Nix: a
30:35
Darren Nix: landlord
30:36
Darren Nix: insurance
30:36
Darren Nix: policy
30:37
Darren Nix: because
30:37
Darren Nix: the
30:37
Darren Nix: landlord
30:37
Darren Nix: insurance
30:38
Darren Nix: policy
30:38
Darren Nix: covers
30:39
Darren Nix: the
30:39
Darren Nix: brick
30:39
Darren Nix: and
30:39
Darren Nix: mortar
30:40
Darren Nix: and
30:41
Darren Nix: it
30:41
Darren Nix: covers
30:41
Darren Nix: all
30:41
Darren Nix: of
30:41
Darren Nix: the
30:41
Darren Nix: things
30:42
Darren Nix: that
30:42
Darren Nix: happen
30:42
Darren Nix: to
30:42
Darren Nix: the
30:42
Darren Nix: property
30:43
Darren Nix: that
30:45
Darren Nix: happen
30:45
Darren Nix: when
30:45
Darren Nix: the
30:45
Darren Nix: guest
30:46
Darren Nix: is
30:46
Darren Nix: not
30:46
Darren Nix: in
30:47
Darren Nix: the
30:48
Darren Nix: property
30:48
Darren Nix: or
30:49
Darren Nix: things
30:49
Darren Nix: that
30:49
Darren Nix: the
30:49
Darren Nix: guest
30:49
Darren Nix: didn't
30:50
Darren Nix: do.
30:50
Darren Nix: So
30:50
Darren Nix: Aircover
30:51
Darren Nix: is
30:51
Darren Nix: actually
30:51
Darren Nix: quite
30:52
Darren Nix: limited,
30:53
Darren Nix: and
30:53
Darren Nix: typically
30:53
Darren Nix: your
30:54
Darren Nix: Aircover
30:54
Darren Nix: claims
30:54
Darren Nix: are
30:55
Darren Nix: gonna
30:55
Darren Nix: be
30:55
Darren Nix: like
30:55
Darren Nix: $500,
30:56
Darren Nix: a
30:56
Darren Nix: thousand
30:57
Darren Nix: dollars,
30:57
Darren Nix: like
30:57
Darren Nix: a
30:58
Darren Nix: broken
30:58
Darren Nix: window,
30:59
Darren Nix: like
31:00
Darren Nix: a,
31:00
Darren Nix: a
31:00
Darren Nix: messed
31:00
Darren Nix: up
31:00
Darren Nix: couch,
31:01
Darren Nix: stuff
31:02
Darren Nix: like
31:02
Darren Nix: that.
31:02
Darren Nix: The
31:03
Darren Nix: landlord
31:03
Darren Nix: insurance
31:04
Darren Nix: policy
31:04
Darren Nix: is
31:04
Darren Nix: typically
31:05
Darren Nix: $20,000
31:06
Darren Nix: claims,
31:07
Darren Nix: $50,000,
31:07
Darren Nix: a
31:07
Darren Nix: hundred
31:08
Darren Nix: thousand
31:08
Darren Nix: dollars,
31:09
Darren Nix: like
31:09
Darren Nix: much
31:09
Darren Nix: lower
31:10
Darren Nix: frequency,
31:10
Darren Nix: much,
31:11
Darren Nix: much
31:11
Darren Nix: higher
31:11
Darren Nix: severity.
31:13
Sarah Karakaian: And
31:13
Sarah Karakaian: if
31:13
Sarah Karakaian: we're
31:13
Sarah Karakaian: doing
31:14
Sarah Karakaian: short
31:14
Sarah Karakaian: term
31:14
Sarah Karakaian: stays,
31:15
Sarah Karakaian: is
31:15
Sarah Karakaian: a
31:15
Sarah Karakaian: landlord
31:16
Sarah Karakaian: policy
31:16
Sarah Karakaian: adequate?
31:17
Sarah Karakaian: For,
31:18
Sarah Karakaian: for
31:18
Sarah Karakaian: that.
31:20
Darren Nix: A
31:20
Darren Nix: lender
31:20
Darren Nix: policy
31:20
Darren Nix: works
31:21
Darren Nix: just
31:21
Darren Nix: fine.
31:22
Darren Nix: And
31:22
Darren Nix: 20%
31:23
Darren Nix: of
31:23
Darren Nix: the
31:23
Darren Nix: business
31:23
Darren Nix: that
31:23
Darren Nix: we
31:24
Darren Nix: write
31:24
Darren Nix: is
31:25
Darren Nix: on
31:25
Darren Nix: Airbnbs
31:26
Darren Nix: out
31:27
Darren Nix: of
31:27
Darren Nix: the
31:27
Darren Nix: like
31:27
Darren Nix: a
31:27
Darren Nix: hundred
31:27
Darren Nix: thousand
31:28
Darren Nix: policies
31:28
Darren Nix: that
31:28
Darren Nix: we
31:28
Darren Nix: write
31:28
Darren Nix: per
31:29
Darren Nix: year.
31:29
Darren Nix: But
31:30
Darren Nix: the
31:30
Darren Nix: other
31:30
Darren Nix: thing
31:30
Darren Nix: that
31:30
Darren Nix: I
31:31
Darren Nix: want
31:31
Darren Nix: to
31:31
Darren Nix: mention,
31:32
Darren Nix: part
31:33
Darren Nix: two
31:33
Darren Nix: of
31:33
Darren Nix: this
31:33
Darren Nix: is
31:33
Darren Nix: what's
31:34
Darren Nix: too
31:34
Darren Nix: much
31:34
Darren Nix: insurance.
31:35
Darren Nix: So
31:37
Darren Nix: as
31:38
Darren Nix: a
31:38
Darren Nix: landlord,
31:40
Darren Nix: you
31:40
Darren Nix: have
31:41
Darren Nix: a
31:41
Darren Nix: choice
31:41
Darren Nix: that
31:41
Darren Nix: you
31:41
Darren Nix: can
31:41
Darren Nix: make.
31:43
Darren Nix: You
31:43
Darren Nix: can
31:43
Darren Nix: use
31:44
Darren Nix: insurance
31:45
Darren Nix: to
31:45
Darren Nix: insulate
31:46
Darren Nix: you
31:46
Darren Nix: from
31:47
Darren Nix: catastrophic
31:48
Darren Nix: events
31:50
Darren Nix: and
31:50
Darren Nix: accept
31:50
Darren Nix: that
31:50
Darren Nix: you're
31:51
Darren Nix: gonna
31:51
Darren Nix: have
31:51
Darren Nix: to
31:51
Darren Nix: pay
31:51
Darren Nix: out
31:51
Darren Nix: of
31:51
Darren Nix: pocket
31:52
Darren Nix: for
31:52
Darren Nix: the
31:52
Darren Nix: bumps
31:53
Darren Nix: along
31:53
Darren Nix: the
31:53
Darren Nix: way.
31:54
Darren Nix: And
31:54
Darren Nix: by
31:54
Darren Nix: bumps,
31:55
Darren Nix: I
31:55
Darren Nix: mean
31:55
Darren Nix: anything
31:55
Darren Nix: under
31:56
Darren Nix: $3,000.
31:58
Darren Nix: Or
31:58
Darren Nix: you
31:58
Darren Nix: can
31:59
Darren Nix: try
31:59
Darren Nix: to
31:59
Darren Nix: use
32:00
Darren Nix: insurance
32:01
Darren Nix: to
32:02
Darren Nix: make
32:02
Darren Nix: your
32:03
Darren Nix: ride
32:03
Darren Nix: completely
32:04
Darren Nix: smooth
32:04
Darren Nix: so
32:04
Darren Nix: you're
32:05
Darren Nix: never
32:05
Darren Nix: paying
32:05
Darren Nix: out
32:05
Darren Nix: of
32:05
Darren Nix: pocket
32:06
Darren Nix: for
32:06
Darren Nix: anything
32:06
Darren Nix: that
32:06
Darren Nix: happens.
32:08
Darren Nix: You
32:08
Darren Nix: can
32:08
Darren Nix: do
32:09
Darren Nix: it
32:09
Darren Nix: the
32:09
Darren Nix: second
32:09
Darren Nix: way.
32:10
Darren Nix: But
32:10
Darren Nix: it's
32:10
Darren Nix: gonna
32:10
Darren Nix: lower
32:11
Darren Nix: your
32:12
Darren Nix: annual
32:13
Darren Nix: returns.
32:14
Darren Nix: A
32:14
Darren Nix: lot.
32:14
Darren Nix: Because
32:14
Darren Nix: that
32:15
Darren Nix: type
32:15
Darren Nix: of
32:15
Darren Nix: insurance
32:16
Darren Nix: is
32:16
Darren Nix: really
32:17
Darren Nix: expensive.
32:18
Darren Nix: And
32:18
Darren Nix: here's
32:18
Darren Nix: why.
32:20
Darren Nix: The
32:21
Darren Nix: insurance
32:22
Darren Nix: industry
32:22
Darren Nix: on
32:23
Darren Nix: average,
32:24
Darren Nix: runs
32:24
Darren Nix: about
32:24
Darren Nix: a
32:25
Darren Nix: five
32:25
Darren Nix: to
32:25
Darren Nix: 6%
32:26
Darren Nix: profit
32:26
Darren Nix: margin.
32:27
Darren Nix: It's
32:27
Darren Nix: like,
32:27
Darren Nix: it's
32:28
Darren Nix: a
32:28
Darren Nix: very
32:28
Darren Nix: low
32:28
Darren Nix: margin
32:28
Darren Nix: business.
32:30
Darren Nix: And
32:30
Darren Nix: so
32:31
Darren Nix: if
32:31
Darren Nix: you
32:31
Darren Nix: pay
32:32
Darren Nix: in
32:32
Darren Nix: a
32:32
Darren Nix: year,
32:32
Darren Nix: a
32:33
Darren Nix: thousand
32:33
Darren Nix: dollars
32:33
Darren Nix: in
32:33
Darren Nix: premium.
32:36
Darren Nix: The
32:36
Darren Nix: insurance
32:37
Darren Nix: company
32:37
Darren Nix: at
32:37
Darren Nix: the
32:37
Darren Nix: end
32:37
Darren Nix: of
32:37
Darren Nix: the
32:37
Darren Nix: day
32:38
Darren Nix: is
32:38
Darren Nix: gonna
32:38
Darren Nix: make
32:38
Darren Nix: a
32:38
Darren Nix: profit
32:38
Darren Nix: of
32:39
Darren Nix: about
32:39
Darren Nix: 50
32:39
Darren Nix: to
32:39
Darren Nix: $70
32:40
Darren Nix: on
32:41
Darren Nix: that
32:41
Darren Nix: a
32:41
Darren Nix: thousand
32:42
Darren Nix: dollars,
32:43
Darren Nix: and
32:43
Darren Nix: the
32:43
Darren Nix: rest
32:43
Darren Nix: of
32:43
Darren Nix: that
32:43
Darren Nix: is
32:44
Darren Nix: gonna
32:44
Darren Nix: be
32:44
Darren Nix: ba
32:44
Darren Nix: be
32:44
Darren Nix: paid
32:45
Darren Nix: out
32:45
Darren Nix: in
32:45
Darren Nix: claims
32:46
Darren Nix: and
32:46
Darren Nix: overhead
32:47
Darren Nix: of
32:47
Darren Nix: running
32:48
Darren Nix: the
32:48
Darren Nix: insurance
32:48
Darren Nix: company.
32:51
Darren Nix: But
32:51
Darren Nix: the
32:51
Darren Nix: simple
32:51
Darren Nix: act
32:52
Darren Nix: of
32:53
Darren Nix: buying,
32:53
Darren Nix: of
32:53
Darren Nix: paying
32:54
Darren Nix: a
32:54
Darren Nix: thousand
32:54
Darren Nix: dollars
32:54
Darren Nix: for
32:54
Darren Nix: coverage
32:56
Darren Nix: when
32:56
Darren Nix: you
32:56
Darren Nix: know
32:57
Darren Nix: that
32:57
Darren Nix: the
32:57
Darren Nix: insurance
32:58
Darren Nix: company
32:58
Darren Nix: is
32:58
Darren Nix: gonna
32:58
Darren Nix: make
32:59
Darren Nix: a
32:59
Darren Nix: profit
32:59
Darren Nix: and
32:59
Darren Nix: has
32:59
Darren Nix: their
32:59
Darren Nix: own
33:00
Darren Nix: overhead,
33:00
Darren Nix: means
33:01
Darren Nix: that
33:01
Darren Nix: for
33:01
Darren Nix: every
33:01
Darren Nix: dollar
33:02
Darren Nix: that
33:02
Darren Nix: you're
33:02
Darren Nix: paying
33:02
Darren Nix: in
33:03
Darren Nix: coverage.
33:04
Darren Nix: You're
33:04
Darren Nix: probably
33:05
Darren Nix: gonna
33:05
Darren Nix: get
33:05
Darren Nix: less
33:05
Darren Nix: than
33:05
Darren Nix: a
33:06
Darren Nix: thousand
33:06
Darren Nix: dollars
33:06
Darren Nix: back
33:08
Darren Nix: in
33:08
Darren Nix: claims
33:09
Darren Nix: payments.
33:11
Darren Nix: And
33:11
Darren Nix: so
33:11
Darren Nix: by
33:11
Darren Nix: definition,
33:12
Darren Nix: insurance
33:13
Darren Nix: is
33:13
Darren Nix: an
33:14
Darren Nix: expensive
33:14
Darren Nix: thing
33:14
Darren Nix: to
33:15
Darren Nix: buy.
33:16
Darren Nix: So
33:16
Darren Nix: you
33:16
Darren Nix: wanna
33:16
Darren Nix: buy
33:17
Darren Nix: just
33:18
Darren Nix: the
33:18
Darren Nix: right
33:18
Darren Nix: amount
33:18
Darren Nix: of
33:18
Darren Nix: it
33:19
Darren Nix: and
33:19
Darren Nix: not
33:19
Darren Nix: buy
33:19
Darren Nix: too
33:20
Darren Nix: much.
33:21
Darren Nix: And
33:21
Darren Nix: if
33:21
Darren Nix: you're
33:21
Darren Nix: using
33:22
Darren Nix: insurance
33:22
Darren Nix: to
33:23
Darren Nix: try
33:23
Darren Nix: to
33:23
Darren Nix: pay
33:24
Darren Nix: for
33:25
Darren Nix: $500
33:26
Darren Nix: broken
33:26
Darren Nix: windows
33:27
Darren Nix: and
33:27
Darren Nix: a
33:27
Darren Nix: thousand
33:27
Darren Nix: dollars
33:27
Darren Nix: couches
33:28
Darren Nix: to
33:28
Darren Nix: like
33:28
Darren Nix: smooth
33:29
Darren Nix: out
33:29
Darren Nix: your
33:29
Darren Nix: investment
33:30
Darren Nix: returns.
33:31
Darren Nix: You
33:32
Darren Nix: are
33:32
Darren Nix: paying
33:32
Darren Nix: a
33:33
Darren Nix: ton
33:33
Darren Nix: of
33:33
Darren Nix: money
33:34
Darren Nix: to
33:34
Darren Nix: someone
33:34
Darren Nix: else
33:35
Darren Nix: to
33:35
Darren Nix: reduce
33:35
Darren Nix: that
33:36
Darren Nix: volatility.
33:37
Darren Nix: And
33:37
Darren Nix: generally
33:37
Darren Nix: speaking,
33:38
Darren Nix: my
33:38
Darren Nix: advice
33:38
Darren Nix: to
33:39
Darren Nix: my
33:39
Darren Nix: friends
33:39
Darren Nix: who
33:39
Darren Nix: own
33:39
Darren Nix: Airbnbs
33:40
Darren Nix: is
33:41
Darren Nix: instead
33:41
Darren Nix: of
33:42
Darren Nix: buying
33:42
Darren Nix: a
33:42
Darren Nix: super
33:42
Darren Nix: expensive
33:43
Darren Nix: insurance
33:43
Darren Nix: policy
33:44
Darren Nix: that's
33:44
Darren Nix: gonna
33:44
Darren Nix: pay
33:44
Darren Nix: for
33:45
Darren Nix: a
33:45
Darren Nix: broken
33:45
Darren Nix: window,
33:46
Darren Nix: take
33:46
Darren Nix: the
33:46
Darren Nix: money
33:47
Darren Nix: you
33:47
Darren Nix: would've
33:47
Darren Nix: spent
33:48
Darren Nix: on
33:48
Darren Nix: that
33:48
Darren Nix: Cadillac
33:48
Darren Nix: insurance
33:49
Darren Nix: plan
33:50
Darren Nix: and
33:50
Darren Nix: put
33:50
Darren Nix: it
33:50
Darren Nix: into
33:51
Darren Nix: your,
33:51
Darren Nix: into
33:51
Darren Nix: a
33:51
Darren Nix: separate
33:52
Darren Nix: bank
33:52
Darren Nix: account.
33:52
Darren Nix: That's
33:52
Darren Nix: your
33:53
Darren Nix: self-insurance
33:54
Darren Nix: bank
33:54
Darren Nix: account.
33:55
Darren Nix: And
33:55
Darren Nix: then
33:55
Darren Nix: when
33:55
Darren Nix: those
33:55
Darren Nix: broken
33:56
Darren Nix: windows
33:56
Darren Nix: happen.
33:57
Darren Nix: Paid
33:57
Darren Nix: out
33:57
Darren Nix: of
33:58
Darren Nix: your
33:58
Darren Nix: own
33:58
Darren Nix: insurance
33:58
Darren Nix: fund
33:58
Darren Nix: and
33:58
Darren Nix: at
33:59
Darren Nix: the
33:59
Darren Nix: end
33:59
Darren Nix: of
33:59
Darren Nix: the
33:59
Darren Nix: day
33:59
Darren Nix: you'll
33:59
Darren Nix: save
34:00
Darren Nix: money
34:00
Darren Nix: doing
34:00
Darren Nix: it
34:00
Darren Nix: that
34:00
Darren Nix: way.
34:02
Darren Nix: So
34:02
Darren Nix: this
34:02
Darren Nix: is
34:02
Darren Nix: the
34:02
Darren Nix: insurance
34:03
Darren Nix: guy
34:03
Darren Nix: telling
34:03
Darren Nix: you
34:03
Darren Nix: to
34:03
Darren Nix: buy
34:03
Darren Nix: less
34:04
Darren Nix: insurance?
34:04
Sarah Karakaian: Yeah,
34:04
Sarah Karakaian: I,
34:05
Sarah Karakaian: and
34:05
Sarah Karakaian: I,
34:05
Sarah Karakaian: and
34:05
Sarah Karakaian: I
34:05
Sarah Karakaian: like
34:05
Sarah Karakaian: this
34:06
Sarah Karakaian: take
34:06
Sarah Karakaian: on
34:06
Sarah Karakaian: it.
34:06
Sarah Karakaian: So,
34:06
Sarah Karakaian: and
34:07
Sarah Karakaian: are
34:07
Sarah Karakaian: you
34:07
Sarah Karakaian: saying
34:08
Sarah Karakaian: then
34:09
Sarah Karakaian: that
34:09
Sarah Karakaian: when
34:09
Sarah Karakaian: they
34:09
Sarah Karakaian: are
34:10
Sarah Karakaian: on
34:10
Sarah Karakaian: the
34:10
Sarah Karakaian: phone
34:10
Sarah Karakaian: and
34:10
Sarah Karakaian: you've
34:10
Sarah Karakaian: given
34:11
Sarah Karakaian: them
34:11
Sarah Karakaian: those,
34:11
Sarah Karakaian: these
34:11
Sarah Karakaian: great,
34:12
Sarah Karakaian: great
34:12
Sarah Karakaian: questions
34:12
Sarah Karakaian: to
34:12
Sarah Karakaian: ask
34:13
Sarah Karakaian: the
34:14
Sarah Karakaian: insurance
34:14
Sarah Karakaian: agent
34:16
Sarah Karakaian: to
34:16
Sarah Karakaian: tell
34:16
Sarah Karakaian: 'em
34:16
Sarah Karakaian: they'd
34:16
Sarah Karakaian: like
34:16
Sarah Karakaian: to
34:17
Sarah Karakaian: focus
34:17
Sarah Karakaian: on
34:18
Sarah Karakaian: fire,
34:19
Sarah Karakaian: wind,
34:21
Sarah Karakaian: and
34:21
Sarah Karakaian: hail.
34:22
Annette Grant: And
34:22
Annette Grant: water
34:23
Annette Grant: damage.
34:23
Sarah Karakaian: And
34:23
Sarah Karakaian: water
34:23
Sarah Karakaian: damage.
34:23
Sarah Karakaian: That
34:23
Sarah Karakaian: was
34:24
Sarah Karakaian: what
34:24
Sarah Karakaian: I
34:24
Sarah Karakaian: want.
34:24
Sarah Karakaian: Water
34:24
Sarah Karakaian: damage.
34:24
Sarah Karakaian: Is
34:25
Sarah Karakaian: that,
34:25
Sarah Karakaian: is
34:25
Sarah Karakaian: that
34:25
Sarah Karakaian: the
34:25
Sarah Karakaian: focus
34:26
Sarah Karakaian: and
34:26
Sarah Karakaian: then
34:26
Sarah Karakaian: this,
34:26
Sarah Karakaian: everything
34:27
Sarah Karakaian: else
34:27
Sarah Karakaian: is
34:27
Sarah Karakaian: pretty
34:27
Sarah Karakaian: much
34:28
Sarah Karakaian: put
34:28
Sarah Karakaian: and
34:28
Sarah Karakaian: considered,
34:28
Sarah Karakaian: potentially
34:29
Sarah Karakaian: smaller
34:30
Sarah Karakaian: or
34:30
Sarah Karakaian: are
34:30
Sarah Karakaian: there,
34:30
Sarah Karakaian: are
34:30
Sarah Karakaian: there
34:31
Sarah Karakaian: claims
34:31
Sarah Karakaian: that
34:31
Sarah Karakaian: happen
34:32
Sarah Karakaian: and
34:32
Sarah Karakaian: they're
34:32
Sarah Karakaian: kind
34:32
Sarah Karakaian: of
34:32
Sarah Karakaian: in
34:32
Sarah Karakaian: that
34:32
Sarah Karakaian: mid
34:33
Sarah Karakaian: area
34:34
Sarah Karakaian: that
34:34
Sarah Karakaian: we
34:34
Sarah Karakaian: wanna
34:34
Sarah Karakaian: make
34:34
Sarah Karakaian: sure
34:34
Sarah Karakaian: that
34:34
Sarah Karakaian: we
34:34
Sarah Karakaian: have
34:35
Sarah Karakaian: good
34:35
Sarah Karakaian: coverage
34:35
Sarah Karakaian: for
34:35
Sarah Karakaian: too?
34:38
Darren Nix: All
34:38
Darren Nix: of
34:38
Darren Nix: this
34:38
Darren Nix: gets
34:38
Darren Nix: boiled
34:39
Darren Nix: down
34:39
Darren Nix: into
34:40
Darren Nix: the
34:40
Darren Nix: deductible.
34:43
Darren Nix: So
34:43
Darren Nix: if
34:43
Darren Nix: you
34:43
Darren Nix: go
34:44
Darren Nix: to
34:44
Darren Nix: an
34:44
Darren Nix: insurance
34:44
Darren Nix: company
34:45
Darren Nix: and
34:45
Darren Nix: you
34:45
Darren Nix: say,
34:46
Darren Nix: I
34:47
Darren Nix: wanna
34:47
Darren Nix: buy
34:47
Darren Nix: a
34:47
Darren Nix: policy
34:48
Darren Nix: that's
34:48
Darren Nix: a
34:48
Darren Nix: $500
34:49
Darren Nix: deductible
34:49
Darren Nix: on
34:49
Darren Nix: it,
34:49
Darren Nix: or
34:50
Darren Nix: a
34:50
Darren Nix: two
34:50
Darren Nix: 50
34:50
Darren Nix: deductible.
34:52
Darren Nix: What
34:52
Darren Nix: the
34:52
Darren Nix: insurance
34:53
Darren Nix: company
34:53
Darren Nix: hears
34:53
Darren Nix: is
34:54
Darren Nix: this
34:54
Darren Nix: is
34:54
Darren Nix: a
34:54
Darren Nix: person
34:54
Darren Nix: that's
34:55
Darren Nix: going
34:55
Darren Nix: to
34:55
Darren Nix: file
34:55
Darren Nix: a
34:56
Darren Nix: lot
34:56
Darren Nix: of
34:56
Darren Nix: claims
34:57
Darren Nix: because
34:57
Darren Nix: every
34:58
Darren Nix: time
34:59
Darren Nix: anything
34:59
Darren Nix: happens,
35:00
Darren Nix: no
35:00
Darren Nix: matter
35:00
Darren Nix: how
35:00
Darren Nix: small,
35:01
Darren Nix: there's
35:01
Darren Nix: gonna
35:01
Darren Nix: be
35:02
Darren Nix: a
35:02
Darren Nix: claim
35:02
Darren Nix: for
35:02
Darren Nix: it.
35:04
Darren Nix: Whereas
35:04
Darren Nix: if
35:04
Darren Nix: somebody
35:04
Darren Nix: comes
35:05
Darren Nix: along
35:05
Darren Nix: and
35:05
Darren Nix: says,
35:06
Darren Nix: I
35:06
Darren Nix: wanna
35:06
Darren Nix: buy
35:06
Darren Nix: a
35:06
Darren Nix: policy
35:07
Darren Nix: with
35:07
Darren Nix: a
35:07
Darren Nix: $2,500
35:08
Darren Nix: deductible,
35:09
Darren Nix: or
35:09
Darren Nix: even
35:09
Darren Nix: a
35:09
Darren Nix: 5,000
35:10
Darren Nix: or
35:10
Darren Nix: a
35:10
Darren Nix: $10,000
35:11
Darren Nix: deductible,
35:12
Darren Nix: what
35:12
Darren Nix: they
35:12
Darren Nix: now
35:13
Darren Nix: hear
35:13
Darren Nix: is
35:13
Darren Nix: the
35:13
Darren Nix: only
35:13
Darren Nix: time
35:14
Darren Nix: this
35:14
Darren Nix: person
35:14
Darren Nix: is
35:14
Darren Nix: going
35:14
Darren Nix: to
35:14
Darren Nix: call
35:15
Darren Nix: me
35:15
Darren Nix: is
35:16
Darren Nix: when
35:16
Darren Nix: a
35:16
Darren Nix: tree
35:16
Darren Nix: falls
35:17
Darren Nix: on
35:17
Darren Nix: the
35:17
Darren Nix: roof
35:17
Darren Nix: or
35:18
Darren Nix: something
35:18
Darren Nix: really
35:18
Darren Nix: bad
35:18
Darren Nix: happens.
35:20
Darren Nix: So
35:21
Darren Nix: the
35:21
Darren Nix: difference
35:21
Darren Nix: in
35:21
Darren Nix: price
35:22
Darren Nix: for
35:23
Darren Nix: an
35:23
Darren Nix: insurance
35:24
Darren Nix: policy
35:24
Darren Nix: with
35:24
Darren Nix: a
35:24
Darren Nix: 500
35:25
Darren Nix: versus
35:25
Darren Nix: a
35:26
Darren Nix: $5,000
35:26
Darren Nix: deductible
35:27
Darren Nix: is
35:27
Darren Nix: gonna
35:27
Darren Nix: be
35:27
Darren Nix: enormous.
35:29
Darren Nix: And
35:29
Darren Nix: so
35:30
Darren Nix: for
35:30
Darren Nix: investors
35:31
Darren Nix: that
35:31
Darren Nix: have
35:31
Darren Nix: a
35:32
Darren Nix: few
35:32
Darren Nix: thousand
35:32
Darren Nix: dollars
35:33
Darren Nix: that
35:33
Darren Nix: they
35:34
Darren Nix: can
35:35
Darren Nix: squirrel
35:35
Darren Nix: away
35:35
Darren Nix: in
35:36
Darren Nix: a
35:36
Darren Nix: rainy
35:36
Darren Nix: day
35:36
Darren Nix: fund
35:37
Darren Nix: and
35:37
Darren Nix: self-insure
35:38
Darren Nix: a
35:38
Darren Nix: little
35:38
Darren Nix: bit,
35:39
Darren Nix: are
35:39
Darren Nix: ultimately
35:40
Darren Nix: going
35:40
Darren Nix: to
35:41
Darren Nix: make
35:42
Darren Nix: higher
35:42
Darren Nix: profits
35:43
Darren Nix: on
35:43
Darren Nix: their
35:43
Darren Nix: rental
35:44
Darren Nix: because
35:44
Darren Nix: they're
35:44
Darren Nix: not
35:45
Darren Nix: spending
35:45
Darren Nix: as
35:45
Darren Nix: much
35:45
Darren Nix: money
35:46
Darren Nix: on
35:46
Darren Nix: insurance.
35:47
Annette Grant: Is
35:47
Annette Grant: there
35:48
Annette Grant: a
35:48
Annette Grant: time
35:48
Annette Grant: when
35:49
Annette Grant: you,
35:49
Annette Grant: you
35:49
Annette Grant: had
35:49
Annette Grant: mentioned
35:49
Annette Grant: earlier
35:50
Annette Grant: that
35:50
Annette Grant: when
35:51
Annette Grant: there's
35:51
Annette Grant: a
35:51
Annette Grant: change,
35:52
Annette Grant: that's
35:52
Annette Grant: definitely
35:52
Annette Grant: when
35:53
Annette Grant: you
35:53
Annette Grant: should
35:53
Annette Grant: reach
35:54
Annette Grant: out.
35:55
Annette Grant: Is
35:55
Annette Grant: there
35:55
Annette Grant: a
35:56
Annette Grant: time
35:56
Annette Grant: when,
35:56
Annette Grant: let's
35:57
Annette Grant: say
35:57
Annette Grant: you
35:57
Annette Grant: brought
35:58
Annette Grant: in
35:58
Annette Grant: an
35:58
Annette Grant: additional
35:58
Annette Grant: amenity
35:59
Annette Grant: or
35:59
Annette Grant: something's
36:00
Annette Grant: going
36:00
Annette Grant: on
36:00
Annette Grant: in
36:00
Annette Grant: the
36:00
Annette Grant: area
36:00
Annette Grant: and
36:00
Annette Grant: you're
36:01
Annette Grant: really
36:01
Annette Grant: seeing
36:01
Annette Grant: a
36:01
Annette Grant: significant
36:02
Annette Grant: spike
36:03
Annette Grant: in
36:04
Annette Grant: your
36:04
Annette Grant: revenue
36:05
Annette Grant: from
36:05
Annette Grant: years
36:05
Annette Grant: prior,
36:06
Annette Grant: is
36:06
Annette Grant: there
36:07
Annette Grant: a
36:07
Annette Grant: revenue
36:07
Annette Grant: change
36:08
Annette Grant: that
36:08
Annette Grant: would
36:08
Annette Grant: ever
36:08
Annette Grant: trigger
36:09
Annette Grant: an
36:10
Annette Grant: insurance
36:11
Annette Grant: upgrade
36:12
Annette Grant: at
36:12
Annette Grant: all?
36:15
Darren Nix: Not
36:15
Darren Nix: from
36:16
Darren Nix: a
36:16
Darren Nix: property
36:16
Darren Nix: insurance
36:17
Darren Nix: perspective,
36:17
Darren Nix: but
36:17
Darren Nix: as
36:18
Darren Nix: someone's
36:19
Darren Nix: net
36:19
Darren Nix: worth
36:19
Darren Nix: starts
36:20
Darren Nix: to
36:20
Darren Nix: increase,
36:21
Darren Nix: you
36:22
Darren Nix: start
36:22
Darren Nix: to
36:22
Darren Nix: worry
36:23
Darren Nix: about
36:23
Darren Nix: how
36:23
Darren Nix: juicy
36:24
Darren Nix: of
36:24
Darren Nix: a
36:24
Darren Nix: target
36:25
Darren Nix: are
36:25
Darren Nix: you
36:26
Darren Nix: going
36:26
Darren Nix: to
36:26
Darren Nix: be
36:27
Darren Nix: for
36:28
Darren Nix: a
36:28
Darren Nix: plaintiff's
36:29
Darren Nix: attorney.
36:30
Darren Nix: Somebody
36:30
Darren Nix: who
36:30
Darren Nix: just
36:31
Darren Nix: sees
36:31
Darren Nix: a
36:31
Darren Nix: big
36:31
Darren Nix: pile
36:32
Darren Nix: of
36:32
Darren Nix: money
36:32
Darren Nix: with
36:33
Darren Nix: stuff
36:33
Darren Nix: to
36:33
Darren Nix: take.
36:35
Darren Nix: And
36:35
Darren Nix: so
36:35
Darren Nix: that's
36:35
Darren Nix: when,
36:36
Darren Nix: when
36:36
Darren Nix: people
36:36
Darren Nix: started
36:37
Darren Nix: to
36:37
Darren Nix: get
36:37
Darren Nix: into
36:37
Darren Nix: having
36:38
Darren Nix: two,
36:39
Darren Nix: three
36:39
Darren Nix: properties.
36:41
Darren Nix: A
36:41
Darren Nix: lot
36:41
Darren Nix: of
36:42
Darren Nix: net
36:42
Darren Nix: worth
36:42
Darren Nix: that
36:42
Darren Nix: they've
36:42
Darren Nix: built
36:43
Darren Nix: up
36:43
Darren Nix: over
36:43
Darren Nix: the
36:43
Darren Nix: years.
36:44
Darren Nix: That's
36:44
Darren Nix: when
36:44
Darren Nix: they
36:44
Darren Nix: start
36:45
Darren Nix: asking
36:45
Darren Nix: questions
36:45
Darren Nix: about
36:45
Darren Nix: umbrella
36:46
Darren Nix: policies.
36:46
Darren Nix: Because
36:47
Darren Nix: the
36:47
Darren Nix: umbrella
36:47
Darren Nix: policy
36:48
Darren Nix: is
36:48
Darren Nix: what
36:48
Darren Nix: kicks
36:49
Darren Nix: in
36:49
Darren Nix: with
36:50
Darren Nix: really
36:50
Darren Nix: high
36:51
Darren Nix: liability
36:51
Darren Nix: limits
36:52
Darren Nix: above
36:52
Darren Nix: and
36:52
Darren Nix: beyond
36:52
Darren Nix: what
36:53
Darren Nix: a
36:53
Darren Nix: landlord
36:53
Darren Nix: policy
36:53
Darren Nix: would
36:54
Darren Nix: cover.
36:54
Darren Nix: So
36:55
Darren Nix: let's,
36:55
Darren Nix: let's
36:55
Darren Nix: use
36:55
Darren Nix: specific
36:56
Darren Nix: numbers.
36:57
Darren Nix: Let's
36:57
Darren Nix: say
36:57
Darren Nix: somebody
36:57
Darren Nix: buys
36:58
Darren Nix: a
36:58
Darren Nix: landlord
36:59
Darren Nix: insurance
36:59
Darren Nix: policy
37:00
Darren Nix: on
37:01
Darren Nix: a
37:01
Darren Nix: $300,000
37:02
Darren Nix: rental
37:03
Darren Nix: and
37:03
Darren Nix: it
37:03
Darren Nix: has
37:04
Darren Nix: a
37:04
Darren Nix: million
37:04
Darren Nix: dollars
37:05
Darren Nix: of
37:05
Darren Nix: liability
37:05
Darren Nix: coverage.
37:08
Darren Nix: What
37:09
Darren Nix: they're
37:09
Darren Nix: starting
37:09
Darren Nix: to
37:09
Darren Nix: think
37:09
Darren Nix: about
37:10
Darren Nix: now
37:10
Darren Nix: is,
37:11
Darren Nix: oh,
37:11
Darren Nix: but
37:11
Darren Nix: I
37:11
Darren Nix: own
37:11
Darren Nix: a
37:11
Darren Nix: bunch
37:11
Darren Nix: of
37:12
Darren Nix: rental
37:12
Darren Nix: properties
37:12
Darren Nix: and
37:12
Darren Nix: my
37:12
Darren Nix: net
37:13
Darren Nix: worth
37:13
Darren Nix: is
37:13
Darren Nix: 3.5
37:14
Darren Nix: million.
37:16
Darren Nix: And
37:16
Darren Nix: if
37:16
Darren Nix: somebody,
37:17
Darren Nix: um,
37:18
Darren Nix: the
37:18
Darren Nix: odds
37:18
Darren Nix: are
37:18
Darren Nix: low,
37:19
Darren Nix: but
37:19
Darren Nix: if
37:19
Darren Nix: something
37:19
Darren Nix: really
37:19
Darren Nix: bad
37:20
Darren Nix: happens
37:20
Darren Nix: and
37:20
Darren Nix: there's,
37:21
Darren Nix: uh,
37:21
Darren Nix: somebody
37:22
Darren Nix: dies
37:22
Darren Nix: on
37:22
Darren Nix: one
37:22
Darren Nix: of
37:22
Darren Nix: my
37:22
Darren Nix: properties
37:23
Darren Nix: and
37:24
Darren Nix: they
37:24
Darren Nix: name
37:24
Darren Nix: me
37:24
Darren Nix: in
37:24
Darren Nix: a
37:25
Darren Nix: wrongful
37:25
Darren Nix: death
37:25
Darren Nix: suit
37:25
Darren Nix: because
37:26
Darren Nix: I,
37:27
Darren Nix: you
37:27
Darren Nix: know,
37:27
Darren Nix: fail
37:28
Darren Nix: to
37:28
Darren Nix: have
37:28
Darren Nix: the,
37:29
Darren Nix: the
37:30
Darren Nix: parking
37:30
Darren Nix: lot
37:30
Darren Nix: iced,
37:31
Darren Nix: uh,
37:31
Darren Nix: with
37:32
Darren Nix: salt
37:32
Darren Nix: after
37:32
Darren Nix: the
37:32
Darren Nix: snow
37:33
Darren Nix: storm
37:33
Darren Nix: or
37:33
Darren Nix: something
37:33
Darren Nix: like
37:33
Darren Nix: that,
37:34
Darren Nix: and
37:34
Darren Nix: they
37:34
Darren Nix: hold
37:34
Darren Nix: me
37:34
Darren Nix: liable.
37:35
Darren Nix: They
37:35
Darren Nix: can
37:35
Darren Nix: come
37:35
Darren Nix: after
37:36
Darren Nix: all
37:36
Darren Nix: of
37:36
Darren Nix: my
37:36
Darren Nix: assets
37:37
Darren Nix: as
37:38
Darren Nix: the
37:38
Darren Nix: owner.
37:39
Darren Nix: And
37:39
Darren Nix: so
37:39
Darren Nix: then
37:39
Darren Nix: they
37:39
Darren Nix: start
37:40
Darren Nix: thinking
37:40
Darren Nix: about
37:40
Darren Nix: buying
37:40
Darren Nix: an
37:40
Darren Nix: umbrella
37:41
Darren Nix: policy
37:42
Darren Nix: to
37:42
Darren Nix: raise
37:42
Darren Nix: those
37:43
Darren Nix: limits
37:43
Darren Nix: to
37:43
Darren Nix: 3
37:43
Darren Nix: million
37:44
Darren Nix: or
37:44
Darren Nix: 5
37:44
Darren Nix: million
37:45
Darren Nix: so
37:45
Darren Nix: that
37:45
Darren Nix: they're
37:45
Darren Nix: having
37:46
Darren Nix: protection
37:47
Darren Nix: for
37:47
Darren Nix: those
37:48
Darren Nix: like
37:48
Darren Nix: long
37:48
Darren Nix: tail
37:49
Darren Nix: super
37:50
Darren Nix: catastrophic
37:50
Darren Nix: outcomes.
37:52
Darren Nix: And
37:53
Darren Nix: that's
37:53
Darren Nix: generally
37:54
Darren Nix: the,
37:54
Darren Nix: the
37:54
Darren Nix: more
37:55
Darren Nix: you
37:56
Darren Nix: see
37:56
Darren Nix: someone's
37:56
Darren Nix: net
37:57
Darren Nix: worth
37:57
Darren Nix: go
37:57
Darren Nix: up,
37:57
Darren Nix: the
37:57
Darren Nix: more
37:58
Darren Nix: likely
37:59
Darren Nix: it
37:59
Darren Nix: is
37:59
Darren Nix: that
37:59
Darren Nix: they're
37:59
Darren Nix: gonna
37:59
Darren Nix: be
37:59
Darren Nix: buying
38:00
Darren Nix: a
38:00
Darren Nix: high
38:00
Darren Nix: limit
38:00
Darren Nix: umbrella
38:01
Darren Nix: policy.
38:02
Annette Grant: Like
38:03
Annette Grant: that.
38:03
Annette Grant: That's
38:03
Annette Grant: the
38:04
Annette Grant: key.
38:04
Annette Grant: I
38:04
Annette Grant: think
38:04
Annette Grant: also
38:05
Annette Grant: Sarah
38:05
Annette Grant: and
38:05
Annette Grant: I
38:05
Annette Grant: talk
38:06
Annette Grant: to
38:06
Annette Grant: hosts
38:06
Annette Grant: every
38:07
Annette Grant: day,
38:07
Annette Grant: and
38:08
Annette Grant: they
38:08
Annette Grant: are,
38:09
Annette Grant: maybe
38:09
Annette Grant: they
38:09
Annette Grant: start
38:09
Annette Grant: with
38:10
Annette Grant: one
38:10
Annette Grant: property
38:10
Annette Grant: and
38:11
Annette Grant: then
38:11
Annette Grant: they
38:11
Annette Grant: do,
38:11
Annette Grant: they
38:11
Annette Grant: end
38:11
Annette Grant: up
38:12
Annette Grant: with
38:12
Annette Grant: a
38:12
Annette Grant: full
38:12
Annette Grant: portfolio,
38:13
Annette Grant: which
38:14
Annette Grant: their
38:14
Annette Grant: guests
38:15
Annette Grant: can
38:15
Annette Grant: go
38:15
Annette Grant: online
38:16
Annette Grant: and
38:16
Annette Grant: pull
38:16
Annette Grant: up
38:16
Annette Grant: their
38:17
Annette Grant: direct
38:17
Annette Grant: booking
38:18
Annette Grant: website
38:18
Annette Grant: and
38:18
Annette Grant: see
38:18
Annette Grant: that.
38:19
Annette Grant: You
38:19
Annette Grant: know,
38:21
Annette Grant: Susan
38:21
Annette Grant: owns
38:22
Annette Grant: seven
38:22
Annette Grant: properties
38:23
Annette Grant: and
38:24
Annette Grant: they
38:24
Annette Grant: can
38:24
Annette Grant: kind
38:24
Annette Grant: of
38:24
Annette Grant: get
38:24
Annette Grant: an
38:24
Annette Grant: idea
38:25
Annette Grant: of
38:25
Annette Grant: what
38:26
Annette Grant: her
38:26
Annette Grant: and
38:26
Annette Grant: her
38:27
Annette Grant: family
38:27
Annette Grant: is
38:27
Annette Grant: working
38:27
Annette Grant: with
38:28
Annette Grant: at
38:28
Annette Grant: that
38:28
Annette Grant: point
38:29
Annette Grant: in
38:29
Annette Grant: time.
38:29
Annette Grant: And
38:29
Annette Grant: so
38:29
Annette Grant: the
38:30
Annette Grant: umbrella
38:30
Annette Grant: policy,
38:30
Annette Grant: is
38:30
Annette Grant: that
38:31
Annette Grant: something
38:31
Annette Grant: that
38:31
Annette Grant: the
38:31
Annette Grant: landlord
38:32
Annette Grant: policy,
38:33
Annette Grant: could
38:33
Annette Grant: they
38:33
Annette Grant: help
38:33
Annette Grant: us
38:33
Annette Grant: with
38:34
Annette Grant: that
38:34
Annette Grant: or
38:34
Annette Grant: should
38:34
Annette Grant: we
38:34
Annette Grant: go
38:34
Annette Grant: to
38:34
Annette Grant: a
38:35
Annette Grant: different
38:36
Annette Grant: insurer
38:36
Annette Grant: for
38:36
Annette Grant: that?
38:38
Darren Nix: Almost
38:39
Darren Nix: across
38:39
Darren Nix: the
38:39
Darren Nix: board,
38:40
Darren Nix: whatever
38:40
Darren Nix: insurance
38:40
Darren Nix: agent
38:41
Darren Nix: that
38:41
Darren Nix: you
38:41
Darren Nix: end
38:41
Darren Nix: up
38:41
Darren Nix: working
38:42
Darren Nix: with,
38:42
Darren Nix: if
38:42
Darren Nix: they
38:42
Darren Nix: do
38:42
Darren Nix: landlord
38:43
Darren Nix: insurance,
38:43
Darren Nix: they're
38:43
Darren Nix: also
38:44
Darren Nix: gonna
38:44
Darren Nix: have
38:44
Darren Nix: landlord.
38:45
Darren Nix: Or
38:45
Darren Nix: if
38:45
Darren Nix: they
38:45
Darren Nix: do
38:46
Darren Nix: landlord
38:46
Darren Nix: insurance,
38:46
Darren Nix: they're
38:46
Darren Nix: also
38:47
Darren Nix: going
38:47
Darren Nix: to
38:47
Darren Nix: have
38:47
Darren Nix: umbrella
38:47
Darren Nix: policies.
38:48
Annette Grant: Great.
38:49
Annette Grant: No,
38:49
Annette Grant: that's
38:49
Annette Grant: a,
38:49
Annette Grant: that's
38:50
Annette Grant: a
38:50
Annette Grant: great,
38:51
Annette Grant: I
38:51
Annette Grant: like
38:51
Annette Grant: that.
38:51
Annette Grant: It's,
38:52
Annette Grant: so
38:52
Annette Grant: to
38:53
Annette Grant: recap
38:53
Annette Grant: there,
38:53
Annette Grant: it's
38:53
Annette Grant: not
38:54
Annette Grant: necessarily
38:55
Annette Grant: the
38:55
Annette Grant: revenue
38:55
Annette Grant: on
38:55
Annette Grant: the
38:55
Annette Grant: individual
38:56
Annette Grant: property.
38:57
Annette Grant: It's
38:57
Annette Grant: your
38:57
Annette Grant: overall
38:59
Annette Grant: net
38:59
Annette Grant: worth
39:00
Annette Grant: that
39:00
Annette Grant: should
39:00
Annette Grant: trigger
39:01
Annette Grant: that
39:02
Annette Grant: umbrella
39:02
Annette Grant: policy.
39:04
Darren Nix: That's
39:04
Darren Nix: the
39:04
Darren Nix: way
39:04
Darren Nix: that
39:04
Darren Nix: I
39:04
Darren Nix: think
39:04
Darren Nix: about
39:05
Darren Nix: it
39:05
Darren Nix: because
39:06
Darren Nix: just
39:06
Darren Nix: because
39:06
Darren Nix: your
39:06
Darren Nix: revenue
39:07
Darren Nix: went
39:07
Darren Nix: up
39:07
Darren Nix: on
39:07
Darren Nix: a
39:07
Darren Nix: property
39:08
Darren Nix: doesn't
39:08
Darren Nix: mean
39:09
Darren Nix: that
39:09
Darren Nix: the
39:10
Darren Nix: risk
39:11
Darren Nix: on
39:11
Darren Nix: that
39:11
Darren Nix: property
39:11
Darren Nix: changed
39:12
Darren Nix: at
39:12
Darren Nix: all.
39:14
Darren Nix: One,
39:15
Darren Nix: when
39:15
Darren Nix: we're
39:15
Darren Nix: talking
39:15
Darren Nix: about
39:15
Darren Nix: various
39:16
Darren Nix: s
39:16
Darren Nix: gotchas,
39:16
Darren Nix: the
39:16
Darren Nix: one
39:17
Darren Nix: that
39:17
Darren Nix: does
39:17
Darren Nix: come
39:17
Darren Nix: to
39:17
Darren Nix: mind
39:18
Darren Nix: as
39:18
Darren Nix: revenue
39:18
Darren Nix: starts
39:18
Darren Nix: to
39:18
Darren Nix: increase
39:19
Darren Nix: is,
39:19
Darren Nix: let's
39:20
Darren Nix: say
39:20
Darren Nix: that
39:20
Darren Nix: somebody
39:20
Darren Nix: bought
39:20
Darren Nix: a
39:20
Darren Nix: property
39:22
Darren Nix: in
39:23
Darren Nix: 19
39:23
Darren Nix: or
39:24
Darren Nix: in
39:24
Darren Nix: in
39:24
Darren Nix: 2019
39:26
Darren Nix: and
39:27
Darren Nix: they
39:27
Darren Nix: insured
39:27
Darren Nix: it
39:27
Darren Nix: for
39:28
Darren Nix: a
39:28
Darren Nix: quarter
39:28
Darren Nix: million
39:28
Darren Nix: dollars.
39:30
Darren Nix: And
39:31
Darren Nix: they've
39:31
Darren Nix: been
39:31
Darren Nix: happily
39:32
Darren Nix: plunking
39:32
Darren Nix: down
39:32
Darren Nix: their
39:33
Darren Nix: insurance
39:34
Darren Nix: premiums
39:34
Darren Nix: every
39:35
Darren Nix: year,
39:35
Darren Nix: and
39:35
Darren Nix: now
39:35
Darren Nix: it's
39:35
Darren Nix: 2025.
39:37
Darren Nix: What
39:37
Darren Nix: do
39:37
Darren Nix: you
39:38
Darren Nix: think
39:38
Darren Nix: that
39:38
Darren Nix: house
39:39
Darren Nix: is
39:39
Darren Nix: worth
39:40
Darren Nix: now?
39:41
Darren Nix: A
39:41
Darren Nix: lot
39:42
Darren Nix: more.
39:43
Darren Nix: So
39:43
Darren Nix: maybe
39:43
Darren Nix: that
39:43
Darren Nix: house
39:44
Darren Nix: now
39:44
Darren Nix: is
39:45
Darren Nix: a
39:45
Darren Nix: $500,000
39:47
Darren Nix: house
39:47
Darren Nix: or
39:47
Darren Nix: a
39:47
Darren Nix: $600,000
39:48
Darren Nix: house,
39:48
Darren Nix: especially
39:48
Darren Nix: if
39:49
Darren Nix: it's
39:49
Darren Nix: in
39:49
Darren Nix: a
39:49
Darren Nix: vacation
39:49
Darren Nix: town.
39:51
Darren Nix: And
39:51
Darren Nix: so
39:51
Darren Nix: the
39:51
Darren Nix: house
39:52
Darren Nix: now
39:52
Darren Nix: is
39:53
Darren Nix: ridiculously
39:54
Darren Nix: underinsured.
39:55
Darren Nix: So
39:56
Darren Nix: if
39:57
Darren Nix: the
39:57
Darren Nix: house
39:57
Darren Nix: got
39:58
Darren Nix: totaled
39:58
Darren Nix: in
39:58
Darren Nix: like
39:58
Darren Nix: a
39:58
Darren Nix: fire
39:59
Darren Nix: scenario
40:01
Darren Nix: and
40:03
Darren Nix: the
40:03
Darren Nix: insurance
40:03
Darren Nix: company
40:03
Darren Nix: is
40:04
Darren Nix: gonna
40:04
Darren Nix: look
40:04
Darren Nix: at
40:04
Darren Nix: the
40:04
Darren Nix: policy
40:04
Darren Nix: and
40:05
Darren Nix: say,
40:05
Darren Nix: well,
40:05
Darren Nix: you
40:05
Darren Nix: bought
40:05
Darren Nix: $250,000
40:07
Darren Nix: worth
40:07
Darren Nix: of
40:07
Darren Nix: coverage,
40:07
Darren Nix: so
40:07
Darren Nix: here's
40:08
Darren Nix: your
40:08
Darren Nix: $250,000.
40:10
Darren Nix: And
40:10
Darren Nix: the
40:11
Darren Nix: owner
40:11
Darren Nix: is
40:11
Darren Nix: saying,
40:12
Darren Nix: yeah,
40:12
Darren Nix: but
40:13
Darren Nix: it's
40:13
Darren Nix: gonna
40:13
Darren Nix: cost
40:13
Darren Nix: me
40:14
Darren Nix: $500,000
40:15
Darren Nix: now
40:15
Darren Nix: to
40:16
Darren Nix: rebuild
40:16
Darren Nix: the
40:16
Darren Nix: property
40:17
Darren Nix: because
40:18
Darren Nix: over
40:18
Darren Nix: time
40:19
Darren Nix: the
40:19
Darren Nix: insured
40:20
Darren Nix: value
40:20
Darren Nix: of
40:20
Darren Nix: the
40:20
Darren Nix: property
40:21
Darren Nix: got
40:21
Darren Nix: out
40:21
Darren Nix: of
40:21
Darren Nix: sync.
40:22
Darren Nix: With
40:22
Darren Nix: the,
40:23
Darren Nix: the
40:23
Darren Nix: cost
40:23
Darren Nix: to
40:23
Darren Nix: replace.
40:24
Darren Nix: So
40:24
Darren Nix: this
40:24
Darren Nix: isn't
40:25
Darren Nix: a,
40:25
Darren Nix: a
40:25
Darren Nix: thing
40:25
Darren Nix: that
40:26
Darren Nix: people
40:26
Darren Nix: need
40:26
Darren Nix: to
40:26
Darren Nix: think
40:26
Darren Nix: about
40:27
Darren Nix: every
40:27
Darren Nix: year,
40:28
Darren Nix: but
40:29
Darren Nix: as
40:29
Darren Nix: people
40:29
Darren Nix: are
40:29
Darren Nix: doing
40:29
Darren Nix: those,
40:30
Darren Nix: uh,
40:31
Darren Nix: you
40:31
Darren Nix: know,
40:31
Darren Nix: every
40:32
Darren Nix: five
40:32
Darren Nix: year
40:32
Darren Nix: look
40:33
Darren Nix: backs
40:33
Darren Nix: asking,
40:34
Darren Nix: hey,
40:34
Darren Nix: is
40:35
Darren Nix: do
40:35
Darren Nix: I
40:36
Darren Nix: actually
40:36
Darren Nix: have
40:36
Darren Nix: enough
40:36
Darren Nix: insurance
40:37
Darren Nix: to
40:37
Darren Nix: rebuild
40:37
Darren Nix: this
40:37
Darren Nix: property
40:38
Darren Nix: if
40:38
Darren Nix: it
40:38
Darren Nix: burned
40:38
Darren Nix: to
40:38
Darren Nix: the
40:38
Darren Nix: ground?
40:39
Darren Nix: That's
40:39
Darren Nix: really
40:39
Darren Nix: the
40:39
Darren Nix: question.
40:40
Annette Grant: So.
40:41
Annette Grant: This
40:41
Annette Grant: is
40:42
Annette Grant: a,
40:42
Annette Grant: this
40:42
Annette Grant: is
40:42
Annette Grant: a
40:42
Annette Grant: moment.
40:43
Annette Grant: If
40:43
Annette Grant: you
40:43
Annette Grant: have
40:43
Annette Grant: been
40:43
Annette Grant: listening
40:43
Annette Grant: to
40:44
Annette Grant: our
40:44
Annette Grant: show
40:45
Annette Grant: since
40:45
Annette Grant: 2019
40:46
Annette Grant: and
40:46
Annette Grant: you
40:46
Annette Grant: haven't
40:47
Annette Grant: increased
40:48
Annette Grant: the
40:48
Annette Grant: coverage
40:48
Annette Grant: on
40:49
Annette Grant: it
40:49
Annette Grant: at
40:49
Annette Grant: this,
40:49
Annette Grant: your
40:49
Annette Grant: sign
40:50
Annette Grant: or
40:50
Annette Grant: looked,
40:50
Annette Grant: or
40:50
Annette Grant: you
40:50
Annette Grant: haven't
40:50
Annette Grant: looked
40:51
Annette Grant: at,
40:51
Annette Grant: you
40:51
Annette Grant: know,
40:51
Annette Grant: what
40:51
Annette Grant: your
40:52
Annette Grant: home
40:52
Annette Grant: currently
40:52
Annette Grant: is
40:52
Annette Grant: worth,
40:53
Annette Grant: or
40:53
Annette Grant: you've
40:53
Annette Grant: been
40:53
Annette Grant: touting
40:54
Annette Grant: to
40:54
Annette Grant: everybody,
40:55
Annette Grant: how
40:55
Annette Grant: much
40:56
Annette Grant: equity
40:56
Annette Grant: you've
40:56
Annette Grant: gained
40:57
Annette Grant: in
40:57
Annette Grant: that
40:57
Annette Grant: home,
40:57
Annette Grant: but
40:58
Annette Grant: your
40:58
Annette Grant: insurance
40:58
Annette Grant: premiums
40:59
Annette Grant: haven't
40:59
Annette Grant: changed,
41:00
Annette Grant: you
41:00
Annette Grant: probably
41:00
Annette Grant: need
41:01
Annette Grant: to
41:01
Annette Grant: check
41:01
Annette Grant: yourself,
41:02
Annette Grant: call
41:02
Annette Grant: your
41:02
Annette Grant: agent,
41:02
Annette Grant: make
41:03
Annette Grant: sure
41:03
Annette Grant: you're
41:03
Annette Grant: in
41:03
Annette Grant: alignment
41:04
Annette Grant: still
41:04
Annette Grant: with
41:04
Annette Grant: that.
41:04
Sarah Karakaian: And
41:05
Sarah Karakaian: what
41:05
Sarah Karakaian: do
41:05
Sarah Karakaian: you
41:05
Sarah Karakaian: do,
41:05
Sarah Karakaian: Darren?
41:06
Sarah Karakaian: Do
41:06
Sarah Karakaian: you
41:06
Sarah Karakaian: suggest
41:07
Sarah Karakaian: that
41:07
Sarah Karakaian: they
41:07
Sarah Karakaian: get
41:07
Sarah Karakaian: the
41:07
Sarah Karakaian: home
41:08
Sarah Karakaian: reappraised?
41:09
Sarah Karakaian: Is
41:09
Sarah Karakaian: it
41:09
Sarah Karakaian: really
41:09
Sarah Karakaian: just
41:09
Sarah Karakaian: what
41:10
Sarah Karakaian: Zillow
41:10
Sarah Karakaian: says?
41:11
Sarah Karakaian: How,
41:11
Sarah Karakaian: how
41:12
Sarah Karakaian: can
41:12
Sarah Karakaian: a
41:12
Sarah Karakaian: homeowner
41:14
Annette Grant: Yeah.
41:14
Annette Grant: Most
41:14
Annette Grant: of
41:14
Sarah Karakaian: share
41:14
Sarah Karakaian: that
41:14
Sarah Karakaian: information.
41:15
Annette Grant: Yeah.
41:15
Annette Grant: Most
41:15
Annette Grant: of
41:15
Annette Grant: our
41:16
Annette Grant: hosts
41:16
Annette Grant: have
41:16
Annette Grant: purchased
41:17
Annette Grant: pre
41:18
Annette Grant: COVID.
41:19
Annette Grant: Yeah.
41:19
Annette Grant: Um,
41:19
Annette Grant: and
41:19
Annette Grant: I
41:19
Annette Grant: think
41:20
Annette Grant: they
41:20
Annette Grant: have
41:21
Annette Grant: a
41:22
Annette Grant: decent
41:22
Annette Grant: amount
41:22
Annette Grant: of
41:22
Annette Grant: equity
41:23
Annette Grant: growth
41:23
Annette Grant: since
41:24
Annette Grant: then.
41:24
Annette Grant: So
41:24
Annette Grant: what
41:24
Annette Grant: should
41:24
Annette Grant: their
41:25
Annette Grant: move
41:25
Annette Grant: be?
41:26
Darren Nix: The
41:26
Darren Nix: good
41:26
Darren Nix: news
41:26
Darren Nix: is,
41:27
Darren Nix: this
41:27
Darren Nix: one's
41:27
Darren Nix: really
41:27
Darren Nix: simple.
41:28
Darren Nix: The
41:28
Darren Nix: insurance
41:29
Darren Nix: company
41:29
Darren Nix: is
41:29
Darren Nix: all
41:30
Darren Nix: run
41:31
Darren Nix: a
41:31
Darren Nix: replacement
41:31
Darren Nix: cost
41:32
Darren Nix: estimator.
41:33
Darren Nix: So
41:34
Darren Nix: you
41:34
Darren Nix: just
41:34
Darren Nix: give
41:34
Darren Nix: them
41:34
Darren Nix: the
41:34
Darren Nix: address
41:35
Darren Nix: and
41:35
Darren Nix: say.
41:36
Darren Nix: Hey,
41:37
Darren Nix: I
41:37
Darren Nix: wanna
41:37
Darren Nix: know
41:38
Darren Nix: what
41:38
Darren Nix: your
41:38
Darren Nix: estimate
41:39
Darren Nix: is
41:40
Darren Nix: to
41:40
Darren Nix: rebuild
41:40
Darren Nix: this
41:41
Darren Nix: property.
41:41
Darren Nix: If
41:41
Darren Nix: it
41:41
Darren Nix: burns
41:41
Darren Nix: down
41:42
Darren Nix: and
41:42
Darren Nix: they'll
41:42
Darren Nix: come
41:42
Darren Nix: back
41:42
Darren Nix: and
41:42
Darren Nix: they
41:43
Darren Nix: say,
41:44
Darren Nix: uh,
41:44
Darren Nix: we
41:44
Darren Nix: think
41:44
Darren Nix: it's
41:44
Darren Nix: 300K,
41:45
Darren Nix: and
41:45
Darren Nix: you're
41:45
Darren Nix: like,
41:45
Darren Nix: great,
41:46
Darren Nix: then
41:46
Darren Nix: I
41:46
Darren Nix: need
41:46
Darren Nix: 300K
41:47
Darren Nix: of
41:47
Darren Nix: coverage.
41:47
Darren Nix: Because
41:48
Darren Nix: it's
41:48
Darren Nix: not
41:48
Darren Nix: the
41:48
Darren Nix: market
41:49
Darren Nix: value
41:49
Darren Nix: of
41:49
Darren Nix: the
41:49
Darren Nix: house
41:50
Darren Nix: that
41:50
Darren Nix: matters,
41:50
Darren Nix: it's
41:50
Darren Nix: what
41:50
Darren Nix: it
41:51
Darren Nix: costs
41:51
Darren Nix: to
41:51
Darren Nix: rebuild
41:51
Darren Nix: it.
41:52
Annette Grant: Okay?
41:52
Darren Nix: So
41:52
Darren Nix: let's
41:53
Darren Nix: say
41:53
Darren Nix: that
41:53
Darren Nix: you
41:53
Darren Nix: own
41:54
Darren Nix: a,
41:54
Darren Nix: uh,
41:55
Darren Nix: I've
41:55
Darren Nix: seen
41:56
Darren Nix: these
41:56
Darren Nix: houses
41:56
Darren Nix: in
41:56
Darren Nix: San
41:56
Darren Nix: Francisco.
41:58
Darren Nix: You
41:58
Darren Nix: can
41:58
Darren Nix: buy
41:58
Darren Nix: a
41:59
Darren Nix: literal
41:59
Darren Nix: shack.
42:00
Darren Nix: For
42:00
Darren Nix: $700,000
42:02
Darren Nix: because
42:02
Darren Nix: the
42:02
Darren Nix: land
42:03
Darren Nix: is
42:03
Darren Nix: worth
42:04
Darren Nix: $698,000
42:05
Darren Nix: with
42:06
Darren Nix: a
42:06
Darren Nix: $2,000
42:06
Darren Nix: shack
42:07
Darren Nix: on
42:07
Darren Nix: top
42:07
Darren Nix: of
42:07
Darren Nix: it.
42:08
Darren Nix: And
42:08
Darren Nix: so
42:08
Darren Nix: the
42:08
Darren Nix: replacement
42:09
Darren Nix: cost
42:09
Darren Nix: for
42:09
Darren Nix: the
42:09
Darren Nix: shack
42:09
Darren Nix: is
42:10
Darren Nix: $2,000.
42:11
Darren Nix: Like
42:11
Darren Nix: eh.
42:12
Darren Nix: And
42:12
Darren Nix: so
42:13
Darren Nix: when
42:13
Darren Nix: you're
42:13
Darren Nix: thinking
42:13
Darren Nix: about
42:14
Darren Nix: how
42:14
Darren Nix: much
42:14
Darren Nix: insurance
42:15
Darren Nix: to
42:15
Darren Nix: buy,
42:15
Darren Nix: it's
42:16
Darren Nix: not
42:16
Darren Nix: what
42:16
Darren Nix: it
42:16
Darren Nix: says
42:16
Darren Nix: on
42:16
Darren Nix: Zillow
42:17
Darren Nix: that
42:17
Darren Nix: matters.
42:18
Darren Nix: What
42:18
Darren Nix: matters
42:18
Darren Nix: is
42:18
Darren Nix: the
42:19
Darren Nix: cost
42:19
Darren Nix: to
42:19
Darren Nix: rebuild
42:20
Darren Nix: the
42:20
Darren Nix: property.
42:21
Darren Nix: And
42:22
Darren Nix: generally
42:22
Darren Nix: speaking,
42:23
Darren Nix: if
42:23
Darren Nix: you
42:23
Darren Nix: just
42:23
Darren Nix: take
42:23
Darren Nix: the
42:23
Darren Nix: square
42:24
Darren Nix: footage
42:24
Darren Nix: and
42:24
Darren Nix: you
42:24
Darren Nix: multiply
42:25
Darren Nix: that
42:25
Darren Nix: by
42:25
Darren Nix: 200,
42:26
Darren Nix: that's
42:26
Darren Nix: gonna
42:27
Darren Nix: get
42:27
Darren Nix: you
42:27
Darren Nix: into
42:27
Darren Nix: the
42:27
Darren Nix: ballpark.
42:29
Darren Nix: Some
42:29
Darren Nix: places
42:29
Darren Nix: we'll
42:29
Darren Nix: see
42:30
Darren Nix: that
42:30
Darren Nix: go
42:30
Darren Nix: down
42:30
Darren Nix: to
42:30
Darren Nix: like
42:30
Darren Nix: one
42:30
Darren Nix: 50
42:31
Darren Nix: and
42:32
Darren Nix: in
42:32
Darren Nix: really
42:32
Darren Nix: high
42:33
Darren Nix: end
42:33
Darren Nix: markets
42:33
Darren Nix: that
42:33
Darren Nix: might
42:33
Darren Nix: go
42:33
Darren Nix: up
42:33
Darren Nix: to
42:34
Darren Nix: like
42:34
Darren Nix: 450
42:34
Darren Nix: or
42:34
Darren Nix: 500
42:35
Darren Nix: per
42:35
Darren Nix: square
42:35
Darren Nix: foot.
42:36
Annette Grant: And
42:36
Annette Grant: you
42:36
Annette Grant: said
42:37
Annette Grant: that,
42:38
Annette Grant: are
42:38
Annette Grant: the
42:38
Annette Grant: insurance
42:38
Annette Grant: companies
42:39
Annette Grant: running
42:39
Annette Grant: that
42:40
Annette Grant: yearly?
42:41
Annette Grant: When,
42:41
Annette Grant: um,
42:42
Annette Grant: are,
42:43
Annette Grant: when
42:43
Annette Grant: we
42:43
Annette Grant: are,
42:45
Annette Grant: you
42:45
Annette Grant: know,
42:45
Annette Grant: looking
42:45
Annette Grant: at
42:46
Annette Grant: the
42:46
Annette Grant: renewal,
42:46
Annette Grant: is
42:47
Annette Grant: that
42:47
Annette Grant: automatically
42:47
Annette Grant: if
42:47
Annette Grant: they're
42:47
Annette Grant: on
42:47
Annette Grant: top
42:48
Annette Grant: of,
42:49
Darren Nix: if
42:49
Darren Nix: they're
42:49
Darren Nix: on
42:49
Darren Nix: top
42:49
Darren Nix: of
42:50
Darren Nix: their
42:50
Darren Nix: game?
42:50
Darren Nix: Yes.
42:51
Annette Grant: Okay.
42:51
Darren Nix: If
42:51
Darren Nix: they're
42:51
Darren Nix: not,
42:52
Darren Nix: no.
42:52
Annette Grant: Okay.
42:53
Annette Grant: So
42:53
Annette Grant: that
42:53
Annette Grant: is,
42:53
Annette Grant: that's
42:54
Annette Grant: another
42:54
Annette Grant: pro
42:55
Annette Grant: tip
42:55
Annette Grant: though,
42:55
Annette Grant: if,
42:56
Annette Grant: if
42:56
Annette Grant: you're
42:56
Annette Grant: not,
42:56
Annette Grant: if
42:56
Annette Grant: they're
42:57
Annette Grant: not
42:57
Annette Grant: doing
42:57
Annette Grant: that
42:57
Annette Grant: automatic,
42:58
Annette Grant: um,
43:00
Annette Grant: what,
43:00
Annette Grant: what
43:00
Annette Grant: did
43:00
Annette Grant: you
43:00
Annette Grant: exactly
43:01
Annette Grant: call
43:01
Annette Grant: it
43:01
Annette Grant: again?
43:03
Darren Nix: Replacement
43:03
Darren Nix: cost
43:03
Darren Nix: estimate.
43:04
Annette Grant: Replacement
43:05
Annette Grant: cost
43:05
Annette Grant: estimate
43:06
Annette Grant: at
43:06
Annette Grant: your
43:06
Annette Grant: renewal,
43:07
Annette Grant: then
43:07
Annette Grant: they,
43:07
Annette Grant: they
43:07
Annette Grant: should,
43:08
Annette Grant: uh,
43:09
Annette Grant: you
43:09
Annette Grant: might
43:09
Annette Grant: wanna,
43:10
Annette Grant: you
43:10
Annette Grant: might
43:10
Annette Grant: wanna
43:11
Annette Grant: nudge
43:11
Annette Grant: them
43:11
Annette Grant: or
43:11
Annette Grant: look
43:12
Annette Grant: elsewhere.
43:12
Annette Grant: Okay?
43:13
Annette Grant: Replacement,
43:13
Darren Nix: every,
43:13
Darren Nix: every,
43:14
Darren Nix: every
43:14
Darren Nix: few
43:14
Darren Nix: years.
43:14
Darren Nix: Do
43:14
Darren Nix: that.
43:15
Darren Nix: You
43:15
Darren Nix: can
43:15
Darren Nix: do
43:15
Darren Nix: this
43:16
Darren Nix: as
43:16
Darren Nix: a
43:16
Darren Nix: thought
43:16
Darren Nix: experiment.
43:17
Darren Nix: Think
43:17
Darren Nix: about
43:17
Darren Nix: the
43:17
Darren Nix: last
43:17
Darren Nix: time
43:18
Darren Nix: you
43:18
Darren Nix: had
43:18
Darren Nix: work
43:18
Darren Nix: done
43:19
Darren Nix: on
43:19
Darren Nix: anything
43:20
Darren Nix: in
43:20
Darren Nix: the
43:20
Darren Nix: house,
43:21
Darren Nix: like
43:22
Darren Nix: a
43:22
Darren Nix: new
43:22
Darren Nix: bathroom,
43:22
Darren Nix: a
43:22
Darren Nix: new
43:22
Darren Nix: kitchen,
43:23
Darren Nix: whatever.
43:24
Darren Nix: Just
43:24
Darren Nix: say,
43:25
Darren Nix: how
43:25
Darren Nix: much
43:25
Darren Nix: did
43:25
Darren Nix: I
43:25
Darren Nix: end
43:25
Darren Nix: up
43:25
Darren Nix: paying
43:26
Darren Nix: per
43:26
Darren Nix: square
43:26
Darren Nix: foot?
43:27
Darren Nix: And
43:27
Darren Nix: then
43:27
Darren Nix: extrapolate
43:28
Darren Nix: that
43:28
Darren Nix: to
43:28
Darren Nix: the
43:28
Darren Nix: rest
43:28
Darren Nix: of
43:28
Darren Nix: your
43:28
Darren Nix: house.
43:29
Darren Nix: And
43:29
Darren Nix: that's
43:29
Darren Nix: kind
43:29
Darren Nix: of
43:29
Darren Nix: gonna
43:30
Darren Nix: give
43:30
Darren Nix: you
43:30
Darren Nix: an
43:30
Darren Nix: understanding
43:31
Darren Nix: of
43:31
Darren Nix: you
43:32
Darren Nix: really
43:32
Darren Nix: can't
43:32
Darren Nix: get
43:32
Darren Nix: anything
43:33
Darren Nix: done
43:33
Darren Nix: in
43:34
Darren Nix: most
43:34
Darren Nix: cities
43:34
Darren Nix: for
43:34
Darren Nix: less
43:34
Darren Nix: than
43:35
Darren Nix: 200
43:35
Darren Nix: bucks
43:35
Darren Nix: a
43:35
Darren Nix: square
43:35
Darren Nix: foot.
43:36
Sarah Karakaian: Yeah,
43:38
Sarah Karakaian: I
43:38
Sarah Karakaian: like
43:38
Sarah Karakaian: it.
43:38
Sarah Karakaian: Alright.
43:39
Sarah Karakaian: Darren
43:41
Sarah Karakaian: hosts
43:41
Sarah Karakaian: have
43:42
Sarah Karakaian: a
43:42
Sarah Karakaian: lot
43:42
Sarah Karakaian: of
43:42
Sarah Karakaian: options.
43:44
Sarah Karakaian: Why
43:44
Sarah Karakaian: Steadily?
43:45
Sarah Karakaian: What
43:45
Sarah Karakaian: makes
43:46
Sarah Karakaian: Steadily
43:46
Sarah Karakaian: different?
43:48
Sarah Karakaian: And
43:48
Sarah Karakaian: I'm
43:49
Sarah Karakaian: wondering
43:49
Sarah Karakaian: if
43:50
Sarah Karakaian: one
43:50
Sarah Karakaian: of
43:50
Sarah Karakaian: those
43:50
Sarah Karakaian: differences
43:51
Sarah Karakaian: is
43:51
Sarah Karakaian: when
43:52
Sarah Karakaian: something
43:52
Sarah Karakaian: catastrophic
43:53
Sarah Karakaian: happens.
43:53
Sarah Karakaian: If
43:54
Sarah Karakaian: there's
43:54
Sarah Karakaian: a
43:54
Sarah Karakaian: partner
43:55
Sarah Karakaian: on
43:55
Sarah Karakaian: the
43:55
Sarah Karakaian: other
43:55
Sarah Karakaian: end
43:56
Sarah Karakaian: to
43:56
Sarah Karakaian: help
43:56
Sarah Karakaian: them
43:56
Sarah Karakaian: know
43:57
Sarah Karakaian: what
43:57
Sarah Karakaian: that
43:57
Sarah Karakaian: first
43:57
Sarah Karakaian: step
43:58
Sarah Karakaian: is.
43:58
Sarah Karakaian: When
43:58
Sarah Karakaian: something
43:59
Sarah Karakaian: happens
44:00
Sarah Karakaian: and
44:00
Sarah Karakaian: panic
44:00
Sarah Karakaian: sets
44:01
Sarah Karakaian: in
44:01
Sarah Karakaian: and
44:01
Sarah Karakaian: the
44:01
Sarah Karakaian: host
44:01
Sarah Karakaian: just
44:02
Sarah Karakaian: feels
44:02
Sarah Karakaian: overwhelmed,
44:03
Sarah Karakaian: or
44:03
Sarah Karakaian: what
44:04
Sarah Karakaian: is
44:04
Sarah Karakaian: it?
44:06
Darren Nix: The
44:06
Darren Nix: reason
44:06
Darren Nix: everybody
44:06
Darren Nix: should
44:07
Darren Nix: choose
44:07
Darren Nix: Steadily
44:07
Darren Nix: out
44:07
Darren Nix: of
44:07
Darren Nix: the
44:08
Darren Nix: many
44:08
Darren Nix: options
44:08
Darren Nix: they
44:08
Darren Nix: have
44:08
Darren Nix: is
44:09
Darren Nix: because
44:09
Darren Nix: landlord
44:09
Darren Nix: insurance
44:10
Darren Nix: is
44:10
Darren Nix: all
44:10
Darren Nix: we
44:10
Darren Nix: do.
44:11
Darren Nix: We
44:12
Darren Nix: are
44:12
Darren Nix: landlords,
44:13
Darren Nix: and
44:13
Darren Nix: when
44:14
Darren Nix: a
44:14
Darren Nix: claim
44:14
Darren Nix: happens,
44:15
Darren Nix: we
44:15
Darren Nix: are
44:16
Darren Nix: the
44:16
Darren Nix: claims
44:16
Darren Nix: adjusters.
44:17
Darren Nix: So
44:17
Darren Nix: from
44:17
Darren Nix: the
44:17
Darren Nix: time
44:18
Darren Nix: that
44:18
Darren Nix: you
44:18
Darren Nix: call
44:18
Darren Nix: us
44:19
Darren Nix: to
44:20
Darren Nix: ask
44:20
Darren Nix: questions
44:20
Darren Nix: about
44:21
Darren Nix: your
44:21
Darren Nix: rental
44:21
Darren Nix: property.
44:22
Darren Nix: For
44:22
Darren Nix: the
44:22
Darren Nix: years
44:22
Darren Nix: that
44:23
Darren Nix: you're
44:23
Darren Nix: insured
44:23
Darren Nix: with
44:23
Darren Nix: us
44:23
Darren Nix: all
44:23
Darren Nix: the
44:23
Darren Nix: way
44:24
Darren Nix: up
44:24
Darren Nix: to
44:24
Darren Nix: the
44:24
Darren Nix: moment
44:24
Darren Nix: when
44:24
Darren Nix: we
44:25
Darren Nix: rebuild
44:25
Darren Nix: the
44:25
Darren Nix: property
44:25
Darren Nix: for
44:26
Darren Nix: you,
44:26
Darren Nix: you're
44:26
Darren Nix: with
44:27
Darren Nix: us
44:27
Darren Nix: the
44:27
Darren Nix: entire
44:28
Darren Nix: way.
44:28
Darren Nix: So
44:29
Darren Nix: we
44:29
Darren Nix: know
44:29
Darren Nix: nothing
44:29
Darren Nix: better
44:30
Darren Nix: than
44:30
Darren Nix: landlord
44:30
Darren Nix: insurance
44:31
Darren Nix: and
44:31
Darren Nix: rental
44:31
Darren Nix: properties
44:31
Darren Nix: because
44:32
Darren Nix: it's
44:32
Darren Nix: literally
44:32
Darren Nix: our
44:33
Darren Nix: only
44:33
Darren Nix: product.
44:33
Darren Nix: And
44:34
Darren Nix: we
44:35
Darren Nix: at
44:35
Darren Nix: this
44:35
Darren Nix: point
44:36
Darren Nix: have
44:36
Darren Nix: 110,000
44:38
Darren Nix: customers
44:38
Darren Nix: across
44:38
Darren Nix: the
44:38
Darren Nix: country
44:39
Darren Nix: that
44:39
Darren Nix: we've
44:40
Darren Nix: been
44:40
Darren Nix: able
44:40
Darren Nix: to
44:40
Darren Nix: help.
44:40
Darren Nix: And
44:40
Darren Nix: they're
44:40
Darren Nix: all
44:41
Darren Nix: landlords.
44:41
Annette Grant: And
44:42
Annette Grant: this
44:42
Annette Grant: is
44:42
Annette Grant: US
44:42
Annette Grant: only,
44:43
Annette Grant: correct?
44:43
Annette Grant: Just
44:43
Annette Grant: for
44:44
Annette Grant: our
44:44
Annette Grant: international
44:45
Annette Grant: listeners.
44:46
Annette Grant: Lemme
44:46
Annette Grant: make
44:46
Annette Grant: sure
44:46
Annette Grant: they're,
44:46
Darren Nix: this
44:46
Darren Nix: is
44:47
Darren Nix: US
44:47
Darren Nix: only
44:47
Darren Nix: today.
44:48
Darren Nix: Call
44:48
Darren Nix: me
44:48
Darren Nix: again
44:48
Darren Nix: in
44:48
Darren Nix: a
44:48
Darren Nix: few
44:49
Darren Nix: years.
44:49
Sarah Karakaian: Okay.
44:49
Sarah Karakaian: I
44:49
Sarah Karakaian: like
44:49
Sarah Karakaian: it,
44:50
Sarah Karakaian: Darren.
44:50
Sarah Karakaian: I
44:50
Sarah Karakaian: love
44:50
Sarah Karakaian: that.
44:50
Sarah Karakaian: I
44:50
Sarah Karakaian: like
44:50
Sarah Karakaian: this.
44:51
Sarah Karakaian: And
44:51
Sarah Karakaian: so
44:51
Sarah Karakaian: what
44:51
Sarah Karakaian: if
44:52
Sarah Karakaian: someone
44:52
Sarah Karakaian: listening
44:52
Sarah Karakaian: is
44:52
Sarah Karakaian: working
44:53
Sarah Karakaian: with
44:53
Sarah Karakaian: a
44:53
Sarah Karakaian: broker,
44:53
Sarah Karakaian: could
44:54
Sarah Karakaian: they
44:54
Sarah Karakaian: say
44:54
Sarah Karakaian: that
44:54
Sarah Karakaian: they
44:54
Sarah Karakaian: want
44:55
Sarah Karakaian: to
44:55
Sarah Karakaian: hear
44:55
Sarah Karakaian: more
44:56
Sarah Karakaian: about
44:56
Sarah Karakaian: Steadily
44:56
Sarah Karakaian: or
44:56
Sarah Karakaian: they
44:56
Sarah Karakaian: have
44:57
Sarah Karakaian: to
44:57
Sarah Karakaian: call
44:57
Sarah Karakaian: Steadily
44:57
Sarah Karakaian: directly?
44:58
Darren Nix: That's
44:58
Darren Nix: a
44:58
Darren Nix: good
44:58
Darren Nix: question.
44:59
Darren Nix: Both
44:59
Darren Nix: ways.
45:00
Darren Nix: So
45:00
Darren Nix: a
45:00
Darren Nix: huge
45:01
Darren Nix: chunk
45:01
Darren Nix: of
45:01
Darren Nix: our
45:01
Darren Nix: customers
45:01
Darren Nix: come
45:02
Darren Nix: direct
45:02
Darren Nix: those
45:02
Darren Nix: that
45:02
Darren Nix: wanna
45:02
Darren Nix: work
45:03
Darren Nix: with
45:03
Darren Nix: an
45:03
Darren Nix: agent,
45:03
Darren Nix: we
45:04
Darren Nix: have
45:05
Darren Nix: at
45:05
Darren Nix: this
45:05
Darren Nix: point,
45:05
Darren Nix: more
45:05
Darren Nix: than
45:06
Darren Nix: 15,000
45:06
Darren Nix: agents
45:06
Darren Nix: across
45:07
Darren Nix: the
45:07
Darren Nix: country
45:08
Darren Nix: that
45:08
Darren Nix: sell
45:08
Darren Nix: Steadily
45:09
Darren Nix: policies.
45:09
Darren Nix: And
45:10
Darren Nix: so
45:10
Darren Nix: both
45:10
Darren Nix: ways
45:10
Darren Nix: work
45:10
Darren Nix: just
45:10
Darren Nix: fine.
45:12
Annette Grant: Interesting.
45:13
Annette Grant: And
45:13
Annette Grant: then
45:14
Annette Grant: as
45:14
Annette Grant: we
45:14
Annette Grant: wrap
45:14
Annette Grant: up,
45:14
Annette Grant: what
45:15
Annette Grant: is,
45:15
Annette Grant: what
45:16
Annette Grant: is
45:16
Annette Grant: an
45:16
Annette Grant: insider
45:17
Annette Grant: tip?
45:17
Annette Grant: Something
45:17
Annette Grant: that
45:18
Annette Grant: you
45:18
Annette Grant: think
45:18
Annette Grant: every
45:18
Annette Grant: short-term
45:19
Annette Grant: rental
45:19
Annette Grant: host
45:20
Annette Grant: should
45:20
Annette Grant: know,
45:20
Annette Grant: whether
45:20
Annette Grant: it's
45:21
Annette Grant: about
45:21
Annette Grant: insurance,
45:22
Annette Grant: uh,
45:23
Annette Grant: risk,
45:23
Annette Grant: anything,
45:24
Annette Grant: what's,
45:24
Annette Grant: what's
45:24
Annette Grant: one
45:25
Annette Grant: thing
45:25
Annette Grant: that
45:25
Annette Grant: you
45:25
Annette Grant: feel
45:25
Annette Grant: is
45:26
Annette Grant: under
45:27
Annette Grant: where
45:27
Annette Grant: hosts
45:27
Annette Grant: are
45:28
Annette Grant: underserved?
45:31
Darren Nix: Hmm.
45:32
Darren Nix: You
45:32
Darren Nix: got
45:32
Darren Nix: me
45:32
Darren Nix: on
45:33
Darren Nix: this
45:33
Darren Nix: one.
45:33
Darren Nix: You're
45:33
Darren Nix: gonna
45:33
Darren Nix: have
45:33
Darren Nix: to
45:33
Darren Nix: edit
45:34
Darren Nix: this
45:34
Darren Nix: while
45:34
Darren Nix: I
45:34
Darren Nix: think.
45:34
Annette Grant: That's
45:34
Annette Grant: okay.
45:37
Darren Nix: I
45:37
Darren Nix: already
45:37
Darren Nix: used
45:38
Darren Nix: the
45:38
Darren Nix: one
45:38
Darren Nix: about,
45:38
Darren Nix: um
45:40
Darren Nix: calling
45:41
Darren Nix: your
45:41
Darren Nix: agent
45:41
Darren Nix: when
45:41
Darren Nix: something
45:42
Darren Nix: changes.
45:43
Annette Grant: That's
45:43
Annette Grant: okay.
45:43
Annette Grant: Then
45:43
Annette Grant: that's,
45:44
Annette Grant: let's
45:44
Annette Grant: just
45:44
Annette Grant: reiterate
45:44
Annette Grant: that
45:45
Annette Grant: because
45:45
Annette Grant: I
45:45
Annette Grant: think
45:46
Annette Grant: sometimes
45:47
Annette Grant: what
45:47
Annette Grant: could
45:47
Annette Grant: be
45:48
Annette Grant: when
45:48
Annette Grant: it
45:48
Annette Grant: is
45:48
Annette Grant: something
45:49
Annette Grant: that
45:49
Annette Grant: changes,
45:49
Annette Grant: what,
45:50
Annette Grant: let's,
45:50
Annette Grant: let's
45:51
Annette Grant: pause
45:51
Annette Grant: on
45:51
Annette Grant: that.
45:51
Annette Grant: What
45:52
Annette Grant: is
45:52
Annette Grant: something
45:53
Annette Grant: that
45:53
Annette Grant: we
45:53
Annette Grant: wouldn't
45:54
Annette Grant: think
45:54
Annette Grant: is
45:54
Annette Grant: an
45:54
Annette Grant: important
45:55
Annette Grant: change
45:55
Annette Grant: that
45:56
Annette Grant: an
45:56
Annette Grant: agent
45:57
Annette Grant: would
45:57
Annette Grant: be
45:57
Annette Grant: like,
45:57
Annette Grant: oh
45:58
Annette Grant: my
45:58
Annette Grant: gosh,
45:58
Annette Grant: why
45:58
Annette Grant: didn't
45:59
Annette Grant: you
45:59
Annette Grant: tell
45:59
Annette Grant: us
46:00
Annette Grant: that,
46:00
Annette Grant: that
46:01
Annette Grant: you
46:01
Annette Grant: see
46:01
Annette Grant: all
46:01
Annette Grant: the
46:01
Annette Grant: time
46:02
Annette Grant: of
46:02
Annette Grant: like,
46:02
Annette Grant: we
46:02
Annette Grant: didn't
46:02
Annette Grant: think
46:02
Annette Grant: it
46:02
Annette Grant: was
46:03
Annette Grant: that
46:03
Annette Grant: big
46:03
Annette Grant: of
46:03
Annette Grant: a
46:03
Annette Grant: deal,
46:03
Annette Grant: but
46:03
Annette Grant: it's
46:04
Annette Grant: like
46:05
Annette Grant: so
46:05
Annette Grant: obvious
46:06
Annette Grant: to,
46:07
Annette Grant: to
46:07
Annette Grant: the
46:07
Annette Grant: insurance
46:07
Annette Grant: company.
46:09
Darren Nix: Great.
46:11
Darren Nix: The
46:11
Darren Nix: thing
46:12
Darren Nix: that,
46:14
Darren Nix: the
46:14
Darren Nix: thing
46:14
Darren Nix: I
46:15
Darren Nix: would
46:15
Darren Nix: ask
46:15
Darren Nix: folks
46:15
Darren Nix: to
46:17
Darren Nix: do
46:18
Darren Nix: is
46:18
Darren Nix: to
46:18
Darren Nix: fire
46:19
Darren Nix: off
46:19
Darren Nix: an
46:19
Darren Nix: email
46:19
Darren Nix: to
46:19
Darren Nix: their
46:19
Darren Nix: agent,
46:21
Darren Nix: describe
46:23
Darren Nix: the
46:23
Darren Nix: property
46:24
Darren Nix: and
46:24
Darren Nix: what's
46:25
Darren Nix: going
46:25
Darren Nix: on
46:25
Darren Nix: with
46:25
Darren Nix: it,
46:25
Darren Nix: and
46:26
Darren Nix: just
46:26
Darren Nix: say,
46:26
Darren Nix: am
46:27
Darren Nix: I
46:27
Darren Nix: covered?
46:28
Darren Nix: Because
46:28
Darren Nix: it
46:28
Darren Nix: takes
46:29
Darren Nix: 60
46:30
Darren Nix: seconds
46:30
Darren Nix: to
46:30
Darren Nix: fire
46:30
Darren Nix: off
46:30
Darren Nix: that
46:31
Darren Nix: email,
46:31
Darren Nix: and
46:32
Darren Nix: you
46:32
Darren Nix: might
46:32
Darren Nix: be
46:32
Darren Nix: surprised.
46:34
Darren Nix: So
46:34
Darren Nix: as
46:34
Darren Nix: an
46:34
Darren Nix: example.
46:36
Darren Nix: There
46:36
Darren Nix: are
46:36
Darren Nix: a
46:36
Darren Nix: bunch
46:36
Darren Nix: of
46:36
Darren Nix: people
46:36
Darren Nix: out
46:37
Darren Nix: there
46:37
Darren Nix: that
46:37
Darren Nix: have
46:37
Darren Nix: this
46:37
Darren Nix: type
46:38
Darren Nix: of
46:38
Darren Nix: coverage
46:39
Darren Nix: called
46:39
Darren Nix: actual
46:39
Darren Nix: cash
46:40
Darren Nix: value,
46:40
Darren Nix: not
46:41
Darren Nix: replacement
46:41
Darren Nix: cost,
46:42
Darren Nix: and
46:43
Darren Nix: they
46:43
Darren Nix: don't
46:43
Darren Nix: know
46:43
Darren Nix: it.
46:44
Darren Nix: And
46:45
Darren Nix: in
46:45
Darren Nix: the
46:45
Darren Nix: scenario
46:46
Darren Nix: where
46:47
Darren Nix: something
46:47
Darren Nix: bad
46:47
Darren Nix: happens,
46:48
Darren Nix: they're
46:48
Darren Nix: probably
46:49
Darren Nix: gonna
46:49
Darren Nix: get
46:49
Darren Nix: paid
46:49
Darren Nix: about
46:50
Darren Nix: a
46:50
Darren Nix: 10th
46:50
Darren Nix: of
46:50
Darren Nix: what
46:50
Darren Nix: they
46:51
Darren Nix: think
46:51
Darren Nix: they're
46:51
Darren Nix: gonna
46:51
Darren Nix: get
46:51
Darren Nix: paid
46:51
Darren Nix: by
46:52
Darren Nix: their
46:52
Darren Nix: insurance
46:52
Darren Nix: policy.
46:53
Darren Nix: They
46:53
Darren Nix: don't
46:53
Darren Nix: know
46:53
Darren Nix: it.
46:54
Darren Nix: And
46:54
Darren Nix: all
46:55
Darren Nix: they
46:55
Darren Nix: would
46:55
Darren Nix: have
46:55
Darren Nix: to
46:55
Darren Nix: do
46:55
Darren Nix: to
46:55
Darren Nix: figure
46:56
Darren Nix: this
46:56
Darren Nix: out
46:57
Darren Nix: is
46:57
Darren Nix: to
46:58
Darren Nix: email
46:58
Darren Nix: their
46:58
Darren Nix: agent
46:59
Darren Nix: and
46:59
Darren Nix: say,
46:59
Darren Nix: Hey,
47:00
Darren Nix: I'm
47:00
Darren Nix: planning
47:01
Darren Nix: to
47:01
Darren Nix: buy
47:01
Darren Nix: this
47:01
Darren Nix: property
47:01
Darren Nix: in
47:02
Darren Nix: Airbnb.
47:02
Darren Nix: It.
47:04
Darren Nix: If
47:04
Darren Nix: the
47:04
Darren Nix: property
47:04
Darren Nix: burns
47:05
Darren Nix: down,
47:06
Darren Nix: will
47:06
Darren Nix: I
47:06
Darren Nix: get
47:07
Darren Nix: paid
47:07
Darren Nix: full
47:07
Darren Nix: replacement
47:08
Darren Nix: costs
47:08
Darren Nix: for
47:08
Darren Nix: the
47:08
Darren Nix: property?
47:09
Darren Nix: My
47:09
Darren Nix: property
47:10
Darren Nix: is
47:10
Darren Nix: about
47:10
Darren Nix: to
47:10
Darren Nix: be
47:10
Darren Nix: vacant
47:11
Darren Nix: for
47:11
Darren Nix: 45
47:12
Darren Nix: days
47:12
Darren Nix: if
47:12
Darren Nix: something
47:13
Darren Nix: happens
47:13
Darren Nix: on
47:13
Darren Nix: day
47:14
Darren Nix: 45.
47:14
Darren Nix: Am
47:15
Darren Nix: I
47:15
Darren Nix: covered?
47:16
Darren Nix: You
47:16
Darren Nix: don't
47:16
Darren Nix: have
47:16
Darren Nix: to
47:16
Darren Nix: think
47:16
Darren Nix: of
47:16
Darren Nix: all
47:17
Darren Nix: the
47:18
Darren Nix: gotchas
47:18
Darren Nix: that
47:18
Darren Nix: might
47:18
Darren Nix: be
47:19
Darren Nix: out
47:19
Darren Nix: there.
47:19
Darren Nix: Just
47:20
Darren Nix: describe
47:21
Darren Nix: the
47:21
Darren Nix: state
47:21
Darren Nix: of
47:21
Darren Nix: the
47:21
Darren Nix: property.
47:21
Darren Nix: Describe
47:22
Darren Nix: the
47:22
Darren Nix: state
47:22
Darren Nix: of
47:22
Darren Nix: the
47:22
Darren Nix: world
47:23
Darren Nix: and
47:23
Darren Nix: say,
47:24
Darren Nix: am
47:24
Darren Nix: I
47:24
Darren Nix: covered?
47:26
Darren Nix: I
47:26
Darren Nix: do
47:26
Darren Nix: this
47:27
Darren Nix: myself.
47:27
Darren Nix: I'm
47:27
Darren Nix: an
47:27
Darren Nix: in,
47:28
Darren Nix: you
47:28
Darren Nix: know,
47:28
Darren Nix: I,
47:28
Darren Nix: I
47:28
Darren Nix: own
47:29
Darren Nix: an
47:29
Darren Nix: insurance
47:29
Darren Nix: company
47:30
Darren Nix: and
47:30
Darren Nix: I
47:30
Darren Nix: bought
47:31
Darren Nix: an
47:31
Darren Nix: insurance
47:31
Darren Nix: policy.
47:33
Darren Nix: For
47:33
Darren Nix: another
47:33
Darren Nix: type
47:34
Darren Nix: of
47:34
Darren Nix: product
47:34
Darren Nix: that's
47:34
Darren Nix: not
47:34
Darren Nix: landlord
47:35
Darren Nix: insurance.
47:36
Darren Nix: And
47:36
Darren Nix: I
47:36
Darren Nix: emailed
47:36
Darren Nix: my
47:36
Darren Nix: agent
47:37
Darren Nix: three
47:37
Darren Nix: weeks
47:37
Darren Nix: ago
47:37
Darren Nix: and
47:37
Darren Nix: I
47:37
Darren Nix: said,
47:38
Darren Nix: am
47:38
Darren Nix: I
47:38
Darren Nix: gonna
47:39
Darren Nix: be
47:39
Darren Nix: covered
47:40
Darren Nix: in
47:40
Darren Nix: this
47:40
Darren Nix: scenario?
47:40
Darren Nix: And
47:41
Darren Nix: he
47:41
Darren Nix: wrote
47:41
Darren Nix: back
47:41
Darren Nix: and
47:41
Darren Nix: he
47:41
Darren Nix: was
47:41
Darren Nix: like,
47:42
Darren Nix: I
47:42
Darren Nix: checked
47:42
Darren Nix: the
47:42
Darren Nix: policy
47:43
Darren Nix: and
47:43
Darren Nix: you're
47:43
Darren Nix: good.
47:44
Darren Nix: And
47:44
Darren Nix: that
47:44
Darren Nix: was
47:44
Darren Nix: how
47:44
Darren Nix: I
47:44
Darren Nix: slept
47:45
Darren Nix: well
47:45
Darren Nix: at
47:45
Darren Nix: night.
47:45
Darren Nix: Because
47:45
Darren Nix: like
47:46
Darren Nix: I
47:46
Darren Nix: said,
47:46
Darren Nix: the
47:46
Darren Nix: policy
47:46
Darren Nix: is
47:46
Darren Nix: 48
47:47
Darren Nix: pages
47:47
Darren Nix: long.
47:48
Darren Nix: Even
47:48
Darren Nix: if
47:48
Darren Nix: I
47:48
Darren Nix: did
47:48
Darren Nix: read
47:48
Darren Nix: the
47:48
Darren Nix: whole
47:49
Darren Nix: thing,
47:49
Darren Nix: I'm
47:49
Darren Nix: not
47:49
Darren Nix: gonna
47:49
Darren Nix: be
47:49
Darren Nix: confident
47:50
Darren Nix: that
47:50
Darren Nix: I
47:51
Darren Nix: understood
47:51
Darren Nix: it.
47:52
Darren Nix: But
47:52
Darren Nix: that's
47:52
Darren Nix: the
47:52
Darren Nix: agent's
47:53
Darren Nix: job
47:53
Darren Nix: and
47:53
Darren Nix: it
47:53
Darren Nix: can
47:54
Darren Nix: give
47:54
Darren Nix: tremendous
47:54
Darren Nix: peace
47:54
Darren Nix: of
47:54
Darren Nix: mind
47:55
Darren Nix: to
47:55
Darren Nix: just
47:55
Darren Nix: fire
47:55
Darren Nix: off
47:55
Darren Nix: that
47:56
Darren Nix: email
47:56
Darren Nix: with
47:56
Darren Nix: a
47:56
Darren Nix: few
47:56
Darren Nix: bullet
47:57
Darren Nix: points
47:57
Darren Nix: and
47:57
Darren Nix: say.
47:58
Darren Nix: Is
47:58
Darren Nix: this
47:58
Darren Nix: gonna
47:58
Darren Nix: do
47:59
Darren Nix: what
47:59
Darren Nix: I
47:59
Darren Nix: think
47:59
Darren Nix: it's
47:59
Darren Nix: gonna
47:59
Darren Nix: do?
48:00
Annette Grant: I
48:00
Annette Grant: think
48:00
Annette Grant: that's
48:00
Annette Grant: actually
48:01
Annette Grant: the
48:01
Annette Grant: pro
48:01
Annette Grant: tip
48:01
Annette Grant: right
48:02
Annette Grant: there,
48:02
Annette Grant: Darren,
48:02
Annette Grant: is
48:02
Annette Grant: that
48:03
Annette Grant: you
48:03
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48:03
Annette Grant: an
48:04
Annette Grant: insurance
48:04
Annette Grant: company
48:05
Annette Grant: and
48:05
Annette Grant: you
48:05
Annette Grant: still
48:06
Annette Grant: have
48:06
Annette Grant: doubts
48:07
Annette Grant: and
48:07
Annette Grant: you
48:07
Annette Grant: know
48:07
Annette Grant: that
48:07
Annette Grant: when
48:08
Annette Grant: in
48:08
Annette Grant: doubt,
48:08
Annette Grant: reach
48:08
Annette Grant: out
48:09
Annette Grant: to
48:10
Annette Grant: to
48:10
Annette Grant: your
48:11
Annette Grant: agent
48:11
Annette Grant: and
48:11
Annette Grant: get
48:11
Annette Grant: that
48:12
Annette Grant: confirmation.
48:12
Annette Grant: Because
48:13
Annette Grant: I
48:13
Annette Grant: also
48:13
Annette Grant: feel
48:13
Annette Grant: like
48:13
Annette Grant: sometimes
48:14
Annette Grant: people
48:14
Annette Grant: don't
48:14
Annette Grant: reach
48:14
Annette Grant: out.
48:14
Annette Grant: It's
48:15
Annette Grant: like,
48:15
Annette Grant: oh,
48:15
Annette Grant: is
48:15
Annette Grant: that
48:15
Annette Grant: a
48:15
Annette Grant: silly
48:15
Annette Grant: question?
48:16
Annette Grant: Or
48:16
Annette Grant: I
48:16
Annette Grant: don't
48:16
Annette Grant: wanna
48:16
Annette Grant: bother
48:17
Annette Grant: them.
48:17
Annette Grant: It's
48:17
Annette Grant: like,
48:17
Annette Grant: no,
48:17
Annette Grant: absolutely.
48:18
Annette Grant: Ask
48:19
Annette Grant: those
48:19
Annette Grant: questions
48:20
Annette Grant: out.
48:20
Sarah Karakaian: It's
48:20
Sarah Karakaian: very
48:21
Sarah Karakaian: different
48:21
Sarah Karakaian: than
48:21
Sarah Karakaian: emailing
48:21
Sarah Karakaian: your
48:22
Sarah Karakaian: CPA,
48:22
Sarah Karakaian: your
48:22
Sarah Karakaian: attorney
48:23
Sarah Karakaian: and
48:23
Sarah Karakaian: you
48:23
Sarah Karakaian: get
48:23
Sarah Karakaian: charged
48:24
Sarah Karakaian: by
48:24
Sarah Karakaian: the
48:24
Sarah Karakaian: minute
48:24
Sarah Karakaian: where
48:24
Sarah Karakaian: like
48:25
Sarah Karakaian: exactly
48:25
Sarah Karakaian: you
48:26
Sarah Karakaian: can
48:26
Sarah Karakaian: email
48:26
Sarah Karakaian: your
48:26
Sarah Karakaian: insurance
48:27
Sarah Karakaian: broker
48:27
Sarah Karakaian: and
48:27
Sarah Karakaian: just
48:28
Annette Grant: Good
48:28
Annette Grant: point,
48:28
Annette Grant: good
48:28
Annette Grant: point.
48:29
Annette Grant: You're
48:29
Annette Grant: we're
48:29
Annette Grant: scared,
48:29
Annette Grant: you
48:30
Annette Grant: know,
48:30
Annette Grant: not
48:30
Annette Grant: scared,
48:30
Annette Grant: but
48:30
Annette Grant: you're
48:31
Annette Grant: like,
48:31
Annette Grant: ah,
48:31
Annette Grant: is
48:31
Annette Grant: that
48:31
Annette Grant: question
48:32
Annette Grant: worth
48:32
Annette Grant: getting
48:33
Annette Grant: billable
48:33
Annette Grant: hours?
48:33
Sarah Karakaian: And
48:33
Sarah Karakaian: I,
48:33
Sarah Karakaian: I
48:33
Sarah Karakaian: blow
48:34
Sarah Karakaian: up
48:34
Sarah Karakaian: my
48:34
Sarah Karakaian: CPA
48:34
Sarah Karakaian: and
48:35
Sarah Karakaian: attorney
48:35
Sarah Karakaian: 'cause
48:35
Sarah Karakaian: I'd
48:35
Sarah Karakaian: rather
48:35
Sarah Karakaian: know
48:36
Sarah Karakaian: that's
48:36
Sarah Karakaian: my
48:36
Sarah Karakaian: personality.
48:37
Sarah Karakaian: But
48:37
Sarah Karakaian: it's,
48:37
Sarah Karakaian: it
48:38
Sarah Karakaian: is
48:38
Sarah Karakaian: nice
48:38
Sarah Karakaian: to
48:38
Sarah Karakaian: know
48:38
Sarah Karakaian: that
48:38
Sarah Karakaian: you
48:38
Sarah Karakaian: can
48:39
Sarah Karakaian: just
48:39
Sarah Karakaian: email.
48:41
Sarah Karakaian: Just
48:41
Sarah Karakaian: ask.
48:42
Annette Grant: So
48:42
Annette Grant: by
48:42
Annette Grant: the
48:42
Annette Grant: way,
48:42
Annette Grant: for
48:43
Annette Grant: those
48:43
Annette Grant: listening,
48:43
Annette Grant: I
48:44
Annette Grant: am
48:44
Annette Grant: in
48:44
Annette Grant: charge
48:44
Annette Grant: for
48:44
Annette Grant: Thanks
48:45
Annette Grant: for
48:45
Annette Grant: Visiting.
48:45
Annette Grant: I'm
48:45
Annette Grant: in
48:45
Annette Grant: charge
48:46
Annette Grant: of
48:46
Annette Grant: the
48:46
Annette Grant: CPA
48:47
Annette Grant: and
48:47
Annette Grant: attorney,
48:47
Annette Grant: so
48:47
Annette Grant: I
48:48
Annette Grant: am
48:48
Annette Grant: diligent
48:49
Annette Grant: on
48:49
Annette Grant: the
48:49
Annette Grant: questions
48:49
Annette Grant: that
48:50
Annette Grant: I
48:50
Annette Grant: ask.
48:50
Sarah Karakaian: Yeah.
48:50
Sarah Karakaian: And
48:50
Sarah Karakaian: there's
48:50
Sarah Karakaian: properties
48:51
Sarah Karakaian: that
48:51
Sarah Karakaian: I
48:51
Sarah Karakaian: don't
48:51
Sarah Karakaian: own
48:51
Sarah Karakaian: with
48:52
Sarah Karakaian: you,
48:52
Sarah Karakaian: and
48:52
Sarah Karakaian: I
48:52
Sarah Karakaian: am
48:52
Sarah Karakaian: asking
48:53
Sarah Karakaian: them
48:53
Sarah Karakaian: questions
48:53
Sarah Karakaian: all
48:54
Sarah Karakaian: the
48:54
Sarah Karakaian: time.
48:55
Sarah Karakaian: Darien,
48:55
Sarah Karakaian: if
48:56
Sarah Karakaian: someone
48:56
Sarah Karakaian: has
48:56
Sarah Karakaian: a
48:56
Sarah Karakaian: policy
48:57
Sarah Karakaian: in
48:57
Sarah Karakaian: place
48:57
Sarah Karakaian: and
48:57
Sarah Karakaian: they
48:57
Sarah Karakaian: think
48:57
Sarah Karakaian: it's
48:58
Sarah Karakaian: fine,
48:58
Sarah Karakaian: we'll
48:58
Sarah Karakaian: Steadily
48:59
Sarah Karakaian: look
48:59
Sarah Karakaian: at
48:59
Sarah Karakaian: it
48:59
Sarah Karakaian: and
49:00
Sarah Karakaian: compare
49:00
Sarah Karakaian: to
49:00
Sarah Karakaian: what
49:00
Sarah Karakaian: you
49:00
Sarah Karakaian: guys
49:01
Sarah Karakaian: could
49:01
Sarah Karakaian: offer
49:01
Sarah Karakaian: and
49:01
Sarah Karakaian: give
49:01
Sarah Karakaian: them
49:01
Sarah Karakaian: an
49:02
Sarah Karakaian: on,
49:02
Sarah Karakaian: uh,
49:02
Sarah Karakaian: honest
49:03
Sarah Karakaian: feedback
49:03
Sarah Karakaian: on
49:03
Sarah Karakaian: it.
49:05
Darren Nix: We
49:05
Darren Nix: do
49:05
Darren Nix: it
49:05
Darren Nix: all
49:05
Darren Nix: the
49:05
Darren Nix: time,
49:06
Darren Nix: and
49:06
Darren Nix: most
49:06
Darren Nix: insurance
49:07
Darren Nix: companies
49:07
Darren Nix: out
49:07
Darren Nix: there
49:08
Darren Nix: are
49:08
Darren Nix: great.
49:08
Darren Nix: So
49:09
Darren Nix: I'm
49:09
Darren Nix: not
49:09
Darren Nix: here
49:09
Darren Nix: to
49:10
Darren Nix: tell
49:10
Darren Nix: everybody
49:10
Darren Nix: that
49:10
Darren Nix: they
49:10
Darren Nix: should
49:11
Darren Nix: come
49:11
Darren Nix: switch
49:11
Darren Nix: to
49:11
Darren Nix: Steadily,
49:12
Darren Nix: but
49:12
Darren Nix: if
49:12
Darren Nix: for
49:12
Darren Nix: some
49:12
Darren Nix: reason
49:13
Darren Nix: they're
49:13
Darren Nix: unhappy
49:13
Darren Nix: or
49:14
Darren Nix: they're
49:14
Darren Nix: struggling
49:14
Darren Nix: to
49:14
Darren Nix: get
49:14
Darren Nix: coverage,
49:15
Darren Nix: please
49:15
Darren Nix: come
49:15
Darren Nix: to
49:15
Darren Nix: Steadily.com
49:16
Darren Nix: and
49:16
Darren Nix: we'd
49:16
Darren Nix: love
49:16
Darren Nix: to
49:16
Darren Nix: give
49:17
Darren Nix: you
49:17
Darren Nix: a
49:17
Darren Nix: quote.
49:17
Sarah Karakaian: Awesome.
49:18
Sarah Karakaian: Great.
49:18
Sarah Karakaian: So
49:18
Sarah Karakaian: as
49:18
Sarah Karakaian: that,
49:18
Sarah Karakaian: the
49:18
Sarah Karakaian: best
49:19
Sarah Karakaian: place
49:19
Sarah Karakaian: to
49:19
Sarah Karakaian: find
49:19
Sarah Karakaian: out
49:19
Sarah Karakaian: more
49:19
Sarah Karakaian: about
49:20
Sarah Karakaian: Steadily
49:20
Sarah Karakaian: go
49:20
Sarah Karakaian: is
49:20
Sarah Karakaian: Steadily.com.
49:21
Sarah Karakaian: We'll
49:21
Sarah Karakaian: put
49:22
Sarah Karakaian: links
49:22
Sarah Karakaian: in
49:22
Sarah Karakaian: the
49:22
Sarah Karakaian: show
49:22
Sarah Karakaian: notes
49:22
Sarah Karakaian: too.
49:23
Sarah Karakaian: But
49:24
Sarah Karakaian: anything
49:24
Sarah Karakaian: else
49:24
Sarah Karakaian: we
49:24
Sarah Karakaian: should
49:24
Sarah Karakaian: know
49:24
Sarah Karakaian: about
49:25
Sarah Karakaian: Steadily
49:25
Sarah Karakaian: before
49:25
Sarah Karakaian: we
49:25
Sarah Karakaian: sign
49:26
Sarah Karakaian: off
49:26
Sarah Karakaian: Darren?
49:28
Darren Nix: Landlord
49:28
Darren Nix: insurance
49:29
Darren Nix: is
49:29
Darren Nix: all
49:29
Darren Nix: we
49:29
Darren Nix: do
49:30
Darren Nix: and
49:30
Darren Nix: we
49:30
Darren Nix: would
49:30
Darren Nix: love
49:30
Darren Nix: to
49:30
Darren Nix: help.
49:31
Sarah Karakaian: Ah,
49:31
Sarah Karakaian: great.
49:31
Sarah Karakaian: I
49:31
Sarah Karakaian: love
49:32
Sarah Karakaian: that.
49:32
Sarah Karakaian: This,
49:32
Sarah Karakaian: thank
49:32
Sarah Karakaian: you
49:32
Sarah Karakaian: for
49:32
Sarah Karakaian: your
49:32
Sarah Karakaian: time.
49:33
Sarah Karakaian: This
49:33
Sarah Karakaian: is
49:33
Sarah Karakaian: great.
49:33
Sarah Karakaian: Open
49:33
Sarah Karakaian: conversation,
49:34
Sarah Karakaian: honest
49:34
Sarah Karakaian: conversation.
49:35
Sarah Karakaian: Darren,
49:35
Sarah Karakaian: thank
49:35
Sarah Karakaian: you
49:36
Sarah Karakaian: so
49:36
Sarah Karakaian: much
49:36
Sarah Karakaian: for
49:36
Sarah Karakaian: helping
49:37
Sarah Karakaian: all
49:37
Sarah Karakaian: those
49:37
Sarah Karakaian: hosts
49:37
Sarah Karakaian: out
49:38
Sarah Karakaian: there.
49:38
Sarah Karakaian: With
49:38
Sarah Karakaian: that,
49:39
Sarah Karakaian: I
49:39
Sarah Karakaian: am
49:39
Sarah Karakaian: Sarah
49:39
Sarah Karakaian: Karakaian.
49:40
Annette Grant: I'm
49:40
Annette Grant: Annette
49:40
Annette Grant: Grant,
49:41
Annette Grant: and
49:41
Annette Grant: together
49:41
Annette Grant: we
49:41
Annette Grant: are.
49:42
Annette Grant: Thanks
49:42
Annette Grant: for
49:42
Annette Grant: Visiting.
49:43
Annette Grant: Talk
49:43
Annette Grant: to
49:43
Annette Grant: you
49:43
Annette Grant: next
49:43
Annette Grant: time.