Digital Social Hour
Parker Hunsaker: Inside the 9/11 Insurance Payout: $4.5 Billion & a Billionaire’s Gamble | DSH #1685
14 Dec 2025
Chapter 1: What is an insurance score and why does it matter?
Were you ever aware of an insurance score? I actually didn't know that.
Chapter 2: How do zip codes affect your insurance rates?
Can you access that publicly?
Kind of.
Chapter 3: What impact does wildfire risk have on insurance availability?
There's ways you can, but essentially your insurance score is comprised of your motor vehicle record, your claims history.
Chapter 4: What are some alarming insurance fraud stories?
They also take a look at the vehicles that you're driving, things of that nature, and then also how well you pay your bills. So your credit score does have a factor on it, but the lower your insurance score is, the lower your insurance premiums are.
Chapter 5: Why do celebrities insure their body parts?
Okay, guys, Digital Social Hour. We are here in Salt Lake filming for the first time.
Chapter 6: What does kidnap and ransom insurance actually cover?
We got Parker Hunsaker here today, an insurance expert and analyst, someone I met a couple years ago. Thanks for coming on, man. Yeah, thanks for having me. How's it been since we last met up?
It's been good, man. Just taking things day by day.
Chapter 7: What is the controversy surrounding the 9/11 insurance payout?
I mean, the insurance industry just gets crazier and crazier as time goes, and I know a lot of people's pockets are filling it.
Yeah, yeah. I see a lot of negative headlines in the media about the insurance agency, but you're insurance industry, but you're dealing with it firsthand. So what do you see from inside?
Well, yeah. So a couple of years ago, I actually made a transition from doing like more personalized insurance to more business commercial.
Chapter 8: How do bizarre insurance policies like alien abduction insurance work?
There's a lot more money to be made in commercial, but there is a saying that goes around that stands true, more money, more problems. So from a personal side, I mean, a lot of people have just been frustrated with the rates that they're experiencing year after year. And it's frustrating because a lot of their agents can't actually explain to them why rates are increasing and going up.
So there's a couple of different factors and things that can actually have a cause and effect. A lot of people don't know that you actually have an insurance score, which is actually separate from your credit score. So like, let me ask you, Sean, were you ever aware of an insurance score? I actually didn't know that. Can you access that publicly?
Um, kind of, there's ways you can, but essentially your insurance score is comprised of, uh, your, your motor vehicle record, uh, your claims history. They also take a look at the vehicles that you're driving, things of that nature. Um, and then also how well you pay your bills.
So your credit score does have a factor on it, but the lower your insurance score is, um, the lower your insurance premiums are.
But a lot of people don't know you have that. Yeah. I didn't know that. So if two people apply for the same insurance policy, but one guy's insurance score is way lower, would that mean it's more expensive?
Well, if it's lower, that means it's less premium. So if it's a, or excuse me, excuse me, you're correct. A higher, a higher score would entail that your premiums are lower. Okay. Yeah. Wow. I did not know that.
I thought everyone paid the same insurance rates.
No, a lot of it's based on zip code too. So for example, Vegas, really hard place to get insurance because there's a lot more break-ins, a lot more theft, those types of things. And so your zip code does play a factor. The other things that play a factor is insurance is one of the only industries where you can still discriminate based on race. So ethnicity, zip codes. uh, male or female, right?
Most other industries, they're like, Oh, you know, everyone gets the same treatment regardless, but those factors all come into play. Wow. So you can still discriminate by race in the insurance industry. Essentially.
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