Caitlin Constantine

speaker

175 appearances 1 recordings 1 series first heard Feb 2026 last heard 23 Feb

Caitlin Constantine’s voice in public audio — every appearance, attributed to the second.

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

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NerdWallet's Smart Money Podcast · Home Insurance Rate Increases and Psychological Traps That Are Costing You · 23 Feb 2026 podcast

I really encourage you to take a look at what steps you can make to make your home and your property more resilient to whatever climate risks you might take.

I mentioned that tool from First Street before.

Take a look at that.

Assess what risks you might actually face in your new home.

And then look at what improvements that you can make.

Improvements range from pretty inexpensive to like stuff that you can do with your landscaping to actual improvements that you can make to your roof and to the structure of your building.

There's a wide range.

You're probably not going to be able to afford to do everything, but you can definitely afford to do something and something's better than nothing.

So I definitely encourage you once you make that decision to buy a house, look at what you can do to make your home more resilient and to mitigate the potential for damage.

And a lot of insurers are also incentivizing you for doing this.

So make sure to reach out and ask them.

Are there discounts for a new roof?

Are there discounts for doing any sort of like fire mitigation?

They will let you know.

So talk to them, have a conversation with them, and you might be able to save money on your premium.

I mean, my thoughts are that it's really troubling.

This is something that experts have been predicting happening.

And it makes me think of a recent report from NPR that found evidence that home insurance costs are actually already starting to depress property values in parts of the southwest Gulf Coast of Florida.

Lee County, which is really vulnerable to seeing really severe weather, they're starting to see indications that the home insurance costs are impacting the ability to sell homes at the prices that buyers want.

It raises a lot of questions because for many of us, our home is our most valuable asset.

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