Navigating the Storm: Mastering Homeowners Insurance in a Volatile Market

In this episode of "Purpose with Mark Bertrang," host Mark Bertrang

sits down with insurance expert Michael Otomo from Hougom Insurance Agency to demystify

the world of homeowners insurance. Michael breaks down the top claims—wind/hail damage,

water backups, and service line failures—and reveals essential policy types and exclusions, as well as how to choose the right deductible for your risk. Learn tips on the impact of credit

scores on rates, catastrophic coverage for explosions or fires, and why reviewing your policy

every two to three years is crucial to avoid gaps. Whether you're a first-time buyer or longtime homeowner, don't let volatility catch you off guard—tune in and take control of your homeowners insurance policy.