Kaz Weida

speaker

196 appearances 1 recordings 1 series first heard Jan 2026 last heard 15 Jan

Kaz Weida’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 Jan 2026 with 1.

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NerdWallet's Smart Money Podcast · Insurance in 2026: Best Auto, Home, Life, and Pet Insurance Picks—Plus a Wake-Up Call on Credit Card Debt · 15 Jan 2026 podcast

And about 92% of their contractors said they couldn't fill open positions on their crew.

So eventually we will see that trickle down to the cost of building because labor shortages are definitely a part of that.

I think the reflex maybe, even for homeowners, is to do the same thing they do with their auto insurance.

I will just raise my deductible.

But with homeowners insurance, those deductibles can be quite large.

So you really want to make sure this is something you could pay out of pocket in an emergency, that that's financially feasible for your family.

In lieu of that sort of more dramatic approach, you could talk to your insurer about what discounts they offer.

homeowners insurance typically will have several different types of discounts depending on what improvements we're looking at.

So things you might assume, home security systems, impact-resistant roofing in some states, but then also if you have an older home, maybe updating plumbing and electrical systems, even small discounts sometimes for things like not having smokers in your house.

Those are all things that insurers might give you a discount for as a homeowner.

And then the two things I would say people forget about with homeowners insurance or aren't as cautious about as they should be, I guess.

The first is don't make a small claim if you don't have to.

So even small claims can raise your insurance rate pretty substantially.

NerdWallet did an analysis where they found submitting one wind damage claim raised your insurance rate about 9% for homeowners.

Oh.

Yeah, so quite a bit.

So if you can pay for it out of pocket, please do that.

Don't use your homeowner's insurance unless you have to.

And then last but not least, your credit score.

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