Amanda Kish

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243 appearances 2 recordings 1 series first heard May 2026 last heard 1 Aug

Amanda Kish’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 2 in all, peaking in Aug 2026 with 1.

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Motley Fool Hidden Gems Investing · Insurance-palooza! All You Need to Know to Protect Your Income and Wealth · 1 Aug 2026 podcast

And that does tie into umbrella insurance, which we'll get to.

And then on the flip side, for something like comprehensive and collision, and that's the coverage that protects your car, you could do the math on whether that's still worth it.

So if your car is old enough that it's worth less than, say, a couple thousand dollars, four or five grand,

you might be paying premiums that outweigh what you'd actually collect in a claim.

And that's a case where dropping that coverage and self-insuring may make sense.

And regardless of any of that, make sure you shop your policy every renewal.

So those loyalty discounts you have may be nice, but they may not beat what a simple five-minute comparison across insurers can end up saving you.

Okay, so renters insurance first, because I think this is one of the more underrated $15 a month purchases in personal finance.

So a lot of renters tend to skip this coverage because they think, well, I don't own much, forgetting that the policy also covers liability.

So for example, if you have a guest in your house, they slip and fall in your kitchen.

And then it also covers the stuff, say, if the building burns down or you get robbed, neither of which is covered by your landlord's policy.

So your landlord's insurance protects the building.

And that does not include your laptop or your furniture or your other personal belongings.

Now for homeowners, the big thing to check is whether your dwelling coverage is based on replacement cost or actual cash value.

Actual cash value factors in that depreciation.

So let's say if your roof burns down, you might get paid what a 15 year old roof is worth, not what a new one costs to rebuild.

That replacement cost coverage actually pays to fully rebuild it.

And then given how, as we probably know, construction costs have climbed in recent years, I'd also think about looking for a policy that has a built in inflation guard so that your coverage limit is going to automatically rise instead of potentially quietly falling behind the cost of both lumber and labor.

And one big item that both renters and homeowners tend to miss, flood and earthquake damage are almost never covered by a standard policy.

So if you're in a flood zone or potentially even if you're just near a floodplain that has expanded in recent years, that's a separate policy that you need to actively go by, whether through the National Flood Insurance Program or through a private insurer.

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