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Bisendra Melaram: Welcome back to the keys to the castle podcast. I'm your host, Bisendra Melaram, and I'm here in the new year with my two buds, Jason and Jason, Mr. Marcus and Mr. Jason Kleiger. 

Jason Marcus: Hello. Happy New Year, everybody. Happy 

Jason Kleiger: New Year. So now I gotta spend three months writing 2023 and then erasing it and writing 2024.

Jason Marcus: It's very important on contracts to make sure you get that date right. I think we covered that. Yeah, 

Bisendra Melaram: it's gonna take a while. And checks too. Checks are more important. Today we're joined in the new year with Miss Christina Shaw. of Allstate Insurance. How are you, Christina? Hello. Thank you for having me here.

Thanks for joining us in the new year. Happy New Year. Thank you. Thank you. 

Christina, so our series of podcasts are revolving around homeownership, buying, selling, and basically encompassing all things real estate. And insurance plays a big role in that. So you're here today to help us figure out the nuances about insurance for homes.

 so tell us a little bit about yourself and your experience as an insurance agent. 

Christina Shaw: [00:01:00] Awesome. Well, again, thank you for having me and it's nice meeting you gentlemen. Welcome. Um, thank you. So, I have been an Allstate agent, um, don't tell anybody, for 26 years. Um, I absolutely love what I do and our primary focus is helping first time homebuyers and just homebuyers in general, uh, purchasing property insurance.

Bundling that with auto insurance and navigating them through the process. Uh, a lot of folks don't know. That we write with about a dozen other companies other than Allstate. And that's important because we're going to make sure all your coverage is where it needs to be, but it's also competitively priced.

And, uh, I have a team of 11 in the office. What? Um, and we're very involved in the community. We kind of feel that, uh, it's the community that allows us to win in our business. So [00:02:00] we're involved. I have two young children, uh, who think they're Kardashians, but they're not. So I'll be working for a long time.

But, uh, that's just a little bit about, I live right here on Long Island. Nice. 

Bisendra Melaram: I like that. I like practicing where you live. Yeah. Yeah. No, 

Jason Kleiger: like you said, community. You got to live there too. 

Christina Shaw: It really is. Um, there's just this culture at Allstate that you're involved. I don't even know how it kind of happens, but you become an Allstate agent and you just like learn that that's the way to do business.

It's kind of special. Very 

Bisendra Melaram: nice. That's good to know. Definitely. So today I want to talk to you a little bit about not only homeowners insurance, but also flood insurance, because that's a big thing here in New York, especially on Long Island. Uh, and there are some changes and there's a lot of misinformation about federal flood insurance as opposed to private insurance.

And I know it can be a little bit daunting and repetitive, but [00:03:00] I'm pretty sure you can clarify a lot of these things for us. So please. 

Christina Shaw: Absolutely. Um, and this is, I, I don't want to say it's boring, flood insurance, right? But, uh, don't get too involved with the minutiae. No pressure. Don't, um, I guess my best advice is when you're a realtor and you think that flood insurance is necessary, make sure you have that relationship with your insurance agent that you work with, right?

Um, because. Risk rating 2. 0 happened about two years ago, and it completely changed how FEMA underwrites a flood insurance policy. It used to be, here's your flood zone, is it your primary residence, and is there a basement or are you on a slab? And then there was your rate. It was just that simple. Right?

Um, and then risk rating 2. 0 happens because FEMA wanted to try to level the playing field, right? Myself, who lives in Lido Beach, [00:04:00] shouldn't pay the same rate as the gal north of Merrick Road in Merrick. So they're now looking at four factors that go into your flood insurance rate once it's determined that you're in a flood zone.

So, your flood zone would be typically AE, your X, the bank isn't going to require you to buy flood insurance. Um, so it's important that agents know what those four factors are, um, and it's also important, I think, that when you're a realtor and you're going on a listing appointment, you know. The current zone of the home, but you also know if that seller has a current policy.

So let's say the home is in zone AE, but the seller has a policy from 10 years ago and it's a zone X policy, right? So significantly less money. That incoming buyer can assume the zone X policy. And if I were the listing agent, I [00:05:00] would want to write in one key on the remarks, You're going to call your insurance agent.

They're going to tell you it's 2400, but you could take over this policy that's 800. 

Jason Marcus: Are the insurance companies inclined to pass that along? Because I would think that it's, they're going to make more money with the zoning now. That's a really 

Christina Shaw: great question. I think that most agents do know about this.

Um, but it is a lot of paperwork. Um, we're always happy to do it. Um, But both parties have to, you know, sign the paperwork and the agent has to know how to process it. So once the agent knows that, I can't imagine why somebody wouldn't want to help the buyer, but I heard you earlier saying, like, you're always doing the right thing, I'm always doing the right thing.

So, could you find somebody who doesn't want to do that? Absolutely. Sure. Yeah. Yeah. It's important though. When that buyer takes over the policy, that rate will change over time and get to that fully [00:06:00] actualized rate, um, but it can never go up more than 18 percent a year. So that buyer has a little bit of a runway to get used to that higher payment.

Now on the 

Jason Marcus: mortgage side, I see this a lot where the, and I probably should have asked this question well before now, but since you're here, I will ask it. I've had a person buying a million dollar house. I have a person buying a 500, 000 house, but it seems like they capped those flood insurance policies at a specific amount for the coverage.

You hit that? Sure. 

Christina Shaw: So, the flood insurance is capped at 250, 000 under the FEMA policy. If you, the bank, needs, wants more coverage. We can do that through a private flood carrier. Um, but in my experience, most banks will take that 250, 000 limit, um, on the 

Jason Marcus: structure. Yeah, because that's what I see all the time.

It's like every policy I see, it's 2 50. I'm like, [00:07:00] how come it doesn't like that? Then I just used just laws of logic where it's like, I guess. The payouts on these things be due to flooding probably never 

Christina Shaw: exceeds exceed that number and a few times Somebody will come to me and say I need more coverage or I want more coverage and then we could go to one of our Private carriers, which you had asked earlier More times than not.

We're writing FEMA policies, but more and more we're seeing people wanting private flood insurance because generally it's It's less expensive. It's not backed by the government, though, in the event of a, say, Superstorm Sandy. Um, so pros and cons to each, for sure. 

Jason Marcus: That always, like, that's another thing that always made me nervous.

Where if you're not required for flood insurance, and a lot of people didn't know they got hit with that storm, you get flooding, you're just assuming that your homeowner's insurance policy is going to pick it up and then you're just devastated to find out that it won't [00:08:00] cover a lot of that damage that occurred.

So I remember, especially during those years, like hearing a lot of those just sad stories. Are you ever having those conversations with people that might not be or are in that X zone where they don't require? Flood insurance, but like you kind of can see where I don't know, like basements seeing water or things like that, where do you have those types 

Christina Shaw: of discussion all the time?

So, like you said, pre Sandy or maybe even pre Irene the year before Sandy. It wasn't a common practice. If you were in Zone X, we weren't really talking about flood insurance unless you, the consumer, were asking. Now, we're speaking about it on every single new client referred to us, and you're also signing something saying, this does not cover flood insurance, and the definition of what that means.

Um, I joke around, I have big hair, I don't need my hair to be any bigger, so I want everybody to understand, uh, this is [00:09:00] what's going on. And And on my zone X folks, I'll say, like, talk to the neighbors. Um, I, I can't make that decision for you. If the house has never had water, that used to be a good indication.

It's no longer like you were saying, Queens, look at what happened last year, like places that have never flooded. So that like, Oh, I don't know anymore. That's kind of out the window these days. Yeah. There 

Bisendra Melaram: was 12 inches of water in the subway. 

Jason Kleiger: Not even, I mean, you saw what was going on in Brooklyn only a couple months ago, I mean.

Oh, yeah. Buses couldn't go by. It's just a river, and then tragically, someone, you know, in the, in the basement apartment with a queen. Oh, they couldn't get out. I 

Bisendra Melaram: think that was in Astoria. Yeah, Astoria, 

Jason Kleiger: they couldn't get out, yeah. Yeah, it was terrible. So, you know, it's something that I believe, like, you know, obviously, you know, putting certain aspersions aside, but I believe is only going to become more and more of an issue as we move on in the years.

Uh, you know, no one has seen these types of floods, uh, Regardless of where you are and you always thought, okay, you know, I have the highest house in this [00:10:00] neighborhood and the next thing you know, you know, you're 

Jason Marcus: underwater. Yeah, yeah, never know where those water tables are going to rise to also. So I have a friend where it's same thing, not necessarily a surface problem.

He has an underlying problem. So it's like that table somehow some way came up and now he's seeing every time it rains. It's just a nightmare for 

Christina Shaw: him and that panic, right? Like with the weather 

Jason Marcus: because that's Very uncontrollable. I mean, it's, we're all, we've been in those wind situations where you're sitting there, you're like, it's unsettling, but it's like, all right, a lot of that stuff's external with the wind damage.

You start getting the water in, and water's weird, like, it finds its way, like, trying to figure out where it's coming from, like, I've had my pool hose battles with, you are speaking to a well versed water management expert. That's 

Bisendra Melaram: funny. I didn't know you started a new career. [00:11:00] That's 

Christina Shaw: funny. It feels like it.

Well, after I had Sandy, I, um, the year after moved because I had my second daughter and I bought a house in Lido Beach and unfortunately I lost it to a complete house fire. The good news story is it's beautifully rebuilt. Um, and nobody was injured, but I joke that like I experienced natural disasters like it's nobody's business because after Sandy and a fire, it really puts the work that we all do in perspective.

Bisendra Melaram: Oh, definitely. Wow. Yeah. So, how are these flood zones determined and how often does the government make assessments to move 

Christina Shaw: them. The flood zones rarely change. They do change, but it's not changing on an annual basis or even every other year. Um, and FEMA determines the zones and you'd be surprised. You could have two neighbors and you could have a house in AE and a house in X.

Um, my [00:12:00] CPA who I ensure in Long Beach, a bunch of years ago before it all got zoned into AE, he was zone X and he lived one house from the ocean, so you can't really apply logic to the zone, that's where 

Bisendra Melaram: you Anything about the government? Did we just say government and 

Jason Marcus: logic in the same sentence? Yeah, 

Bisendra Melaram: I did, I know.

Is FEMA supposed 

Christina Shaw: to help us? Um, so you need to have that relationship with your insurance agent where you say, hey, what's the What zone is this house in and it should be a simple you could go on FEMA's website But I joke that you need to like be an MIT graduate because the time it takes you just send a text to your insurance agent You'll get the zone 

Bisendra Melaram: right cuz I've I've done that.

Yeah, it's not and I'm I'm saying to myself I consider myself a pretty smart guy and I'm looking at this thing No, it's like, what is happening? It's funny because for 

Jason Kleiger: rent controlled apartments, you actually have to disclose what, you know, if it's in a, what flood zone it's in or anything, even in Manhattan.

And, um, [00:13:00] and yeah, once in a while I have to advise someone, you know, what flood zone this is in. And I have to go on there and it's like, you know. It's there's no like rhyme or reason. No rhyme or reason. It's like, okay, this is on like, you know, Park Ave, but then over here, you know, and I'm like below this part, but above Harlem and it really like all these squiggly lines and colors and, you know, so, and then I'm like, wait a second.

I just lost the property 

Jason Marcus: I was looking for. 

Christina Shaw: Where am I? Just text me. I'll save you all that. Yeah, 

Bisendra Melaram: I think I'm going to do that. So that brings me to my next question. And you touched on it a little bit, which is, If you're in a low risk flood zone, neighboring a higher risk flood zone, is there any recommendation or advice you would give someone in thatlower risk flood zone as far as flood insurance 

Christina Shaw: goes?

Sure, absolutely. So I think the statistic, and it could have changed like a point or two, is 25 percent of paid flood insurance claim happen in that [00:14:00] zone X, that minimal flood zone. And zone X really is just, again, like the bank, the mortgage bank, not requiring the flood insurance. It doesn't mean you're free of flooding.

It used to be prior to risk rating 2. 0. If you were in zone X post Sandy, I would tell you you're nuts not to buy flood insurance. It's 499 a year. It gives you that 250 100, 000 on contents like what's the think about? But now I see a lot of flood zone X policies that could be 1, 500, 2, 000 a year since the change.

So you really, um, look, you have to look at, you have to draw the line somewhere with insurance, right? As much as you want to have your home and your flood and your life and your disability, you don't want to be insurance poor. So you know where you're purchasing, um, you should know the neighborhood and then you have to make that decision is, is the money worth it?

Is the premium. worth the risk or not taking the risk? [00:15:00] 

Jason Kleiger: Now, what about my umbrella policy? Okay, I know that it adds things to my homeowners and my car and all that stuff. Does it have anything to do with the flooding? 

Bisendra Melaram: Great question. 

Jason Kleiger: Is there an umbrella policy that 

Bisendra Melaram: has flood insurance 

Christina Shaw: in it? Great question.

So an umbrella policy is strictly liability. And if you want to think about it sitting above your auto and home. So should that liability ever be exhausted, more so on the auto because the likelihood of a bad accident is greater. Um, it kicks in and really it's a shield between you and your assets. So if you call me and say, You know, I have no money in the bank, uh, I don't own a home, and, you know, I live paycheck to paycheck.

Like, that person's not an umbrella, a candidate for an umbrella policy. But if you have a home, especially now, with values being what they are, and you earn an income, even with or without a savings, an umbrella policy for a million dollars, it's [00:16:00] like 300 a year. Um, so what you want to think about is what are my total assets?

And does my liability cover what, what my assets are? That makes sense. And that's it. It doesn't have to be complicated. You don't need a five million dollar umbrella if your net worth is two million 

Bisendra Melaram: dollars. What about negative net worth? Right, so that brings me to something else. I mean, we're going a little skew, but it's okay.

We're getting all the points. No, no, it's not, it's not you. So, over the course of my career, I've noticed, I've learned that new buyers purchase homeowners policies based on not only the recommendation of their lender, but family members, and it doesn't always equate or it does not equate to the value or the price of the purchase.

Yes. So, you know, I'll call them up and say, Hey, you know, you're getting ready to close. You know, did you talk to your lender? Did you find out the policy minimum that you need? [00:17:00] Oh, yeah, but I'm buying this house for 500. I'm getting a policy for 500. And then I have to pull wheel myself backfrom saying you don't need a 500 policy, the insurance company is only going to is only going to cover the total replacement cost.

So that's really what you need. Yes. So Can you a little deeper and explain that? I 

Christina Shaw: love that you said that. Or like, oh, my neighbor said. I'm like, well, what does your neighbor do for a living? They may be lovely, but It's completely irrelevant what you're buying the home for, because you have a home in this neighborhood and a home in that neighborhood, and we have two very different values.

So we're looking at how much does it cost to rebuild the structure, the land we are not concerning ourselves with. How much does it cost to rebuild the and cart away the existing home, um, in the event of a total loss. I have two total loss [00:18:00] fires going on right now and both homes were over 50, 000 to cart away the existing home.

That's now Rubble. Rubble on the property. Um, so if anybody says, okay, what are you buying for, or what your loan amount, like your loan amount has absolutely nothing to do with how much it costs to rebuild, um, and we will help determine that. And then all insurance companies do an inspection as a good checks and balances.

We don't want you underinsured, but we don't want you overinsured either. That's just a waste of money. It's not beneficial for anyone. No. No. No. It's a waste of money. And then read the reviews of who you're working with because at the time of claim, whether it's a Piper's, the house fire, you're not like, Oh my God, I'm so glad I saved that 30.

You're like, thank God Christina is answering her phone or whoever you work with to navigate the claim, 

Bisendra Melaram: right? That's customer service. And in any part of this home purchasing, selling process is key. 

Christina Shaw: That's really what we're promising you is at the time of claim. I [00:19:00] hope it never happens to you, but when it does, This one family, I was sitting in their family, their parents living room last Friday and Like we went through everything that they know they're going to be fine But just to see a human in front of you to say I'm going to hold your hand through this process is powerful 

Bisendra Melaram: Yeah, they don't really think about that until they need it.

Everything is, Oh, wait, there's an app for that. Oh, wait, 

Christina Shaw: well, his cars are with another company. I won't mention and he's like, it's a nightmare. I, uh, I can't get them on the phone. And yeah, 

Bisendra Melaram: because there's an app for that. Yeah. Yeah. So going back to this new policy for new homeowners, What would you say are typical misconceptions that you have to help guide them through as far as new policies, any weird things that they ask for to be included or not included?

Christina Shaw: Uh, I think, I think it really depends, right, on the buyer and the education, the lender, and the realtor. [00:20:00] Either did or didn't do up front. Um, we try to make it simple because it's an overwhelming time, right? And I usually get the buyer at the end of the process. So they're, they're spent. Literally the week before.

And I'm often like that. That's 

Bisendra Melaram: plenty of time. The week, I like doing the week. I get it at the closing. 

Christina Shaw: I love at the closing. Yup, that's me. 30 seconds? Sure. Um, so. We do our best to keep it simple. We're always price conscious, but again, we explain some people need their jewelry insured. Some people don't have jewelry.

Some people should take sewer backup. Some people don't need sewer backup. So it's just really educating them. They don't know the questions, most times, to ask the insurance agent. So it's us just making sure this policy Is the best policy for you, which may not be the best policy for you, um, and then making sure they maximize all their discounts, they're [00:21:00] bundling it with their car insurance, that they have a life insurance policy should something happen to anybody that's buying that house, they're not forced to sell.

Um, we do a lot of condo co op. So that's a whole nother. Oh, yeah, you're gonna have to come back for that one. So yeah, we do. So it's really just education. It's really just education. 

Jason Kleiger: I have a question. Since we're on Long Island, alright, uh, we have a lot of cesspools. Yeah. How does that factor in with coverage?

Like, what coverage can you get for that if it's 

Bisendra Melaram: available? Some 

Christina Shaw: companies will not even write. A lot of my companies will. Um, and then does it, is it, you know, below ground? Has it collapsed in the past? Um, but many companies will write with a cesspool. Great. 

Jason Kleiger: Yeah. Because I know that, uh, that's a huge issue when everyone's, you know, cesspool backs up or God forbid caves in or, or, you know, so, um, you know, I've had issues with that where it backed up into the house and not getting, you know, not getting disgusting here.

I'm just describing what happened to the [00:22:00] house. So, 

Christina Shaw: um, it's a nightmare. Literally, it's absolutely a nightmare. And then, you know, as an insurance agent, most times, like this neighborhood has underground cesspools. We need to talk about this. Yes. 

Bisendra Melaram: Definitely. I feel like you, this is the second time you've talked about cesspools.

I just love cesspools. On a different, on a different episode. I love cesspools. We talked about that during the home inspection episode. I 

Jason Kleiger: love walking around my front yard with my cesspools below me knowing that I can at any time fall into the cesspool. 

Bisendra Melaram: Oh, you just like living dangerously. Oh, yeah. You like living dangerously.

I got my coffee, I'm in my pajamas and my little slippers. Yeah, it's 20 degrees out and there's steam rising out of the grass. Well, I 

Jason Marcus: could be, I gotta ask the question, like. Yeah. Yeah. Falling into the cesspool through the lawn. That's a thing? Like, that's 

Bisendra Melaram: happened to people? There was a, it was a Wait, it can't have happened.

Jason Kleiger: Unfortunately, there was a famous case where there was an NYPD detective, narcotics, undercover, like, seen everything. Walking on his front lawn. [00:23:00] 

Christina Shaw: Oh my god. Yep. I guess I haven't experienced all that lately. Sorry for that. What? Knock 

Bisendra Melaram: on wood. 

Jason Marcus: Yes, it's only a six foot or something, no, 

Bisendra Melaram: it's like, yeah, five, six feet.

Well, all the noxious gas. Yeah, 

Jason Kleiger: you instantly were like, wow. 

Jason Marcus: Yeah, I could cut that part out. That is a crapshooter.

Bisendra Melaram: So Christina, I know you touched base on it a little bit about the government versus private flood insurance. So I just want to rewind a little bit going back to that and help me understand the differences, if any, outside of just being one's backed by the government and one's not. 

Christina Shaw: That's your major difference, um, outside of price some, and maybe you could clean me up.

I believe that FHA mortgages, um, you have to have a FEMA policy. They won't accept, um, a private, like an [00:24:00] AON. They won't accept. private flood insurance. Um, so that's something that we would discuss. Also, like, please speak to your mortgage lender, or I would call your mortgage lender. But your major differences are price.

And is this backed by FEMA? You know, so the insurance company could go out of business in a super storm Sandy. And though you paid 600 less a year, you now have no coverage. 

Bisendra Melaram: It's 

Jason Kleiger: like the government's in bed with 

Bisendra Melaram: The government. 

Christina Shaw: Exactly. Imagine that. Ding, ding, ding. Imagine that. Yeah. Probably, I, I don't know the percentage, but it's a high percentage of FEMA policies versus private flood insurance policies.

Bisendra Melaram: So Mr. Marcus, outside of it just being backed by the government and the, the government has the security of the government, can you see any other reason why the government would only want a government backed policy? 

Jason Marcus: I think. That point was right on the head. It's like you're sitting there and you're not [00:25:00] worried that the government's gonna run out of money.

I mean, I am, but Yeah, 

Bisendra Melaram: who's gonna bankrupt first? The private 

Jason Kleiger: company 

Jason Marcus: or the government? No, no, no, I agree. I think that's a valid point. I've seen more Flood policies that are conventional loans than FHA policies or like FHA buyers buying in flood zones than conventional in my experience of that.

So I really haven't come across a lot of FHA and that's just my business. That's a good. But it's like there's something to be said about the cost of houses, the prices of it, the loan limits and like what type of loan you're going to wind up acquiring for 

Bisendra Melaram: said property. 

 I never thought to look at it that way. Yeah, 

Jason Marcus: I mean it's only It's getting there to the point where they're pushing up like there was a long time where the loan limits were just not in conjunction with these um, more heavily priced Now you're starting to get a little bit better, like because they, well, I guess for our listening audience to [00:26:00] understand how the government comes up with it, it's all based on gross median incomes in a given area or given counties on how they come up with these loan limits.

So like for a while or like in the earlier stages of my career, which is the beginning of. I don't know how do you say it, my wife always uses that word to explain 2000 to 2009. It's called like the nth, or like the niths, or whatever it's called. Uh, yeah, I don't know what, I'm sorry. Sounded like We're gonna get a phone call on that.

Yeah, I'm gonna get in trouble. Sorry for whoever I just offended with. Not calling that right. But, uh, yeah, for a while, like the gross median income was like with these property prices were just not in line. Like, you were, they weren't even close. You're starting to get to the point where the loan limits, um, and I still don't love the way Fannie and Freddie splits it into two tiers, but, uh, their [00:27:00] high balance tier now being over a million dollars, you're starting to get to the point, and FHA always follows suit with this stuff, so, you're getting to the point where you can actually borrow money in some of these towns that are closer to the water, and A little bit on the higher price levels, but earlier in my career, it was, it was a pretty decent gap.

Bisendra Melaram: Hmm. I'm going to have to investigate that. 

Jason Marcus: Yeah, we'll come back to you guys on that. 

Christina Shaw: I also wanted to, if I may, um, on one key, when you list a property. Within 72 hours, my office, there's a little flood insurance tab for realtors listening. And if it's a zone X property, I will upload a form that says flood insurance is not bank required.

And if it's a zone A E property, I will upload a flood insurance quote on every listing on one key within 72 hours. That's great. So if that helps anybody, it does knowledge 

Bisendra Melaram: is power. It does. And actually, I think that is a very [00:28:00] marketable piece of information that all the agents listening should. 

Jason Kleiger: Yes.

It's, it's not only marketable, but it's knowledgeable 

Bisendra Melaram: too. Right. the three of us always sit here every Tuesday. Or, unfortunately. Right. Yeah, I gotta stare across at you. Right? So the three of us always sit at this table with another professional only to do the one thing, which is provide education and give back to those who are.

 thinking about purchasing their home and all the little processes in between. So, you know, these are all little good tidbits of Well, 

Christina Shaw: I think I interrupted you. No, no, you didn't.

No, you didn't. I just didn't want to forget about the one key piece. He's 

Jason Kleiger: staring at me and he's just, you know, Yeah, mesmerized 

Bisendra Melaram: by the, you know, Locks. Yes, all two of them. So, Christina, insurance premiums, how are they determined? Outside of flood insurance, How are they determined? What are the cost factors the insurance companies use when determining a policy outside of 

Christina Shaw: [00:29:00] location?

You're gonna need a lot of time, I know. So, um, what surprises most people, what we're looking at first, is your insurance score. So, I am not running a FICO, I don't see what you see. However, there is an insurance score that everybody has, and that is making up a large part of your insurance premium, whether you like it or not.

The philosophy is those with better credit have less claims or have the likelihood of having less claims. Maybe you will not fall asleep with a candle on or. Leave the stove on or turn off your heat in the winter. These are just like some examples I'm throwing out there. So they're looking at your insurance score.

Again, I don't see a FICO, so I can't come back to you and say, Well, these are the reasons why. It's a soft hit, if I'm saying that correctly. [00:30:00] Um, and then it's going to be things like the replacement cost of your home. Um, is your home frame or is it brick? Um, what kind of walls do you have? Are they sheetrock?

Um, your bathrooms and your kitchen. Do you have a Home Depot kitchen or do you have Italian marble in your kitchen? Um, so all these factors are going to determine. And then discounts, like do you have an alarm that reports to a central station? Some of my companies give a 38 percent discount for bundling the car insurance.

Like, that's a lot of money. 38%, right? Um, I always tell my team, stop saying 38 percent and say the dollar. Like, you will save 812 by letting us quote your car insurance. But that's not what the lizard says. Um, the lizard, I have to tell you, what a fantastic job they do at branding. Because Folks are so loyal to an 800 number.

They like love, and I'm like, [00:31:00] you love an 800 number, but I will tell you, their people are well trained. When I see a Geico resume, I am interested in interviewing you. Um, they're well trained. Uh, my service manager is from Geico. Um, so, um, and they just actually did a, a pretty big layoff today, uh, Geico. The insurance market in New York we were talking about is kind of upside down right now.

Jason Marcus: I always thought up until five minutes ago that I was supposed to idiot proof my house, but now I know I need to idiot proof myself. 

Bisendra Melaram: What? 

Jason Marcus: That's what it sounds like. It's like, if my insurance rates are going to be based off of me being an idiot, then I need to do more things to not be an idiot. Well, 

Jason Kleiger: I have a question.

So, like, let's say someone does make a claim, and let's say it's like 60, 000, big flood, or a big, you know, dripping down mold ruins the kitchen or anything like that. How does that affect their 

Christina Shaw: premium going forward? That's a great question. It depends on the insurance company, [00:32:00] right? Um, if they have any like claim free discount, but you're not going to be dropped.

That's like a big misconception that if I file a claim, my insurance company is going to drop me. Um, I'm not saying you want to file multiple frivolous claims, because then you Um, could have a frequency issue, right? And be dropped. But if you have a major claim or a claim, doesn't have to be major, again, that's why you want that relationship.

Hey, Christina, here's the situation. What do we do? We want to make sure if your deductible is 2, 500, you're not filing a claim for 2, 800. That's just dumb. Um, but you're, you're generally not going to see a rate increase unless you have a claim free. Because, you know, 

Bisendra Melaram: I've always heard about people being so nervous and 

Jason Kleiger: I'm like, oh, you know, 

Bisendra Melaram: you got insurance.

Christina Shaw: That's why you have insurance. But remember, insurance is sudden and accidental, right? It's not maintenance. So sometimes that's a tough conversation when [00:33:00] a client that's been with me for 18 years has a leak and I have to say it's not covered and they're like, yeah, but I've been with you. I'm like, I know.

I love you. You're so great. But it's still not covered. It's a pipe burst is covered. You know, but your toilet leakings not covered. That's like the joy of owning a home. Yeah, 

Bisendra Melaram: yeah, it's one of the 

Jason Marcus: pitfalls. I wound up, speaking of the lizard, we had to drop them because perfect driving record, me and my wife year after year after year and it was just increase after increase after increase after increase.

I live in Queens and it was one of those situations where I found the policy at half through one of my, you know, broker friends who would like, you're not losing coverage here, but it's like you're, he literally told me I'm too good to be with them. 

Christina Shaw: Well, it's amazing when people are like, you can't beat it, Christina.

And I always say, this is a win win. I will look at your insurance and be the [00:34:00] first person to say, stay put. You have a great rate. I'll look at your coverage. I'll make sure it's right. Or I'll save you a lot of money. Like, there's no harm. I'm not showing up at your house. So like. You know, steal your credit card and like, that's not our style in the office.

No, no, no. So it's a win win. And in your case, 

Jason Marcus: you won. And it's funny because like, because the bundling portion of it and the homeowners insurance was with somebody else, that's exactly what he did. He's like, it's going to make sense on the auto insurance. You're not going to do enough. to make you kind of taint your relationship with somebody that you trusted to get your homeowner's insurance policy.

I'm not going to advise you to sit there to save a hundred dollars to move that, but the car insurance was so drastically different and it's worth. audience to call Christina, have a conversation, like she said, she'll be the first person to tell you if it doesn't make sense as [00:35:00] anybody that's good and professional will do.

But it's worth at least assessing that once a year, once every couple of years, just to kind of see if I do it every two company every taken advantage because you know, I had a very good Situation with Geico in regards to the side of it on the customer service side. They seem to be good. But I have friends that actually work there that aren't overly happy with like how things operate there.

And not slaying that company, like this is all based on numbers. Like the numbers were just every year, 15 percent increase. I'm not getting into accidents. I'm not getting tickets. Why are you guys punishing me because other people are having these issues? So 

Bisendra Melaram: Okay, I'm on your train right now. So, when I question them, they tell me it's a statewide increase.

And I say, well, show me where the statewide increase is. And they're unable to do it. [00:36:00] Then they put a supervisor on the phone. And I say, well, oh yeah, everyone has to pay because there's Large instances of uninsured drivers, out of state drivers, people with fake tags. Not my problem. It's not my problem. Not my problem.

Christina Shaw: We are all, we're going through a rate increase right now. Um, all state and all the major companies. I can't be bad now. Our average, average will be 14. 6, this, what we're in right now. Um, some will see less, some will see more. And what's happening today is, um, the cost. of inflation, like whatever inflation is, I don't know, 8 or 9 percent in our industry, it's 30, 40%.

So your used car that used to be worth 20, 000 is suddenly worth 35, 000. And so, the reason so many insurance companies have pulled out of the state here in New York is because they couldn't get rate and it wasn't profitable to write business. So as much [00:37:00] as right now Like this rate increase is just hitting and I'm like, Oh, these are going to be tough conversations the next few months.

But I also know if we don't take this, we can't get back to writing profitable business. So it's really challenging. And again, it's that relationship of when you call one, I tell my team, like, just be straightforward right away. We're, we're not looking into anything. We're not. Like we know the answer.

Deliver the answer and then review that policy and make sure every discount and then if you get quotes for less, we'll hold your hand through the process because I want to win your business back. That makes sense. Yeah, I appreciate that. Yeah, that's just like it's very black and white, which sometimes is easy.

And then other times you're like, Oh God, but I love this customer. I wish there was like some magic button I could hit. Yeah, we get caught in 

Jason Marcus: the middle of this stuff. And the toughest part is Being in a capitalist system and not going too crazy soapbox wise right here. It's like we're looking at [00:38:00] like Astronomical amounts of profitability and it's like how On one side of the fence, are we supposed to go to the insurance companies and tell them in a free market system that they're limited to what they're going to earn in profits, but also on the consumer protection side, protect the consumer from the big bad wolf trying to steal money from them.

So like, I'm consistently looking at this conundrum, and a guy that's in the solutions business unfortunately has no 

Christina Shaw: solution for that. Yeah. Perfectly said. Perfectly said. 

Jason Marcus: Alright, I'm gonna mic drop now and I'm gonna walk out of here because I 

Bisendra Melaram: think it would look cool, but this is just 

Christina Shaw: radio. 

Bisendra Melaram: There we go.

So I'm curious about one thing. Are there any things Just one. Just one thing. It's still early in the year. Are there any things current homeowners, new homeowners alike, can [00:39:00] do proactively to get their rate lower. Proactively. Right? So I'm a new homeowner. We got this policy with you. What advice would you give me moving forward in an effort to bring my premium down?

That's a 

Christina Shaw: good question. Um. Um, policy reviews, making sure you're working with an agency that's proactively reaching out to you because things change. The homeowner policy or property, you're, I don't want to say you're capped, but there's not as much flexibility than say on an auto where I can say, hey, go take the defensive driving class.

We teach it for free in my office. Come on in. Or. Put DriveWise on your phone where if you drive under a certain amount of miles, you'll get a really, uh, significant discount. Um, hey, let's increase your deductible. Like it used to be when I started a hundred years ago, people had a 250 or a 500 deductible.

Even a 1, 000 deductible is becoming a thing of the past and people are [00:40:00] taking a 2, 500 deductible. What? To offset that cost, it could save three to six hundred dollars on your homeowner premium, but you have to also have that money to come out of pocket should something happen. So there's more flexibility on an auto policy in the way of reducing premium, in my opinion, than on a property policy.

Well what about Outside of changing coverage, of course. 

Bisendra Melaram: Right, so outside of a home security system, like you said, that transmits back to a central station. Yeah. Is that what you said? Uh. Are there any security measures? You know, I'm 

Christina Shaw: on the same train as No, so like, I get a lot, uh, hey I have a ring doorbell.

You know, unfortunately, that watch yourself. Get Oh, my God. Last night where in Lido's, I guess some gentlemen was like ringing 30 in the morning. And I was like, I have to stop. I get like hung up on, you know, texting every neighbor. I'm like, why am I disrupting their day? They're like, yeah, you know, going about their day.

But, um, [00:41:00] outside of the alarm bundling. Uh, there's not much that you're going to do without sacrificing coverage. 

Bisendra Melaram: So here's one thing that I've 

Christina Shaw: always told A new roof. I mean, that's like major though. You're not putting on a new roof 

Bisendra Melaram: to save a few bucks, but yeah. No, no, no, no. Not unless it's more, it's needed.

So I tell a lot of new homeowners or younger homeowners, younger new homeowners, check with your insurance carrier or agent before you buy the dog. Because growing up, I couldn't have a specific breed because my father used to tell me, If you get that dog and you bring that dog home, we're not going to have homeowners insurance.

You know, my father was a realtor before me. So he used to tell me all the time, he's like, no, you can't have that dog. I'm like, but why? It's the one from the Hess commercial. It's a Dalmatian. He said, no, Dalmatians. Dalmatians. Yeah. So I You gotta train them well. And young Bisendra doesn't know. So I'm saying, but [00:42:00] dad, it's not a Pitbull.

No hate to the Pitbulls because they're super cute. It's not a Pitbull. It's a Dalmatian. They work with the fire department, dad. He says, yeah, and he's, and he says to me, no, the insurance company will drop 

Christina Shaw: us. Well, if your dad is listening, if he is with us, he's no longer with us. I'm sorry. I'm sure he's listening.

That is not true any longer, so there was once a time that if you had multiples of a certain breed, pit bulls, German shepherds, a few others, um, you would not be able to get a new policy, but if you had a policy and purchased that breed, that's okay. Um, so you've had insurance for 10 years and you go get the pit bull, not an issue.

Uh, you were getting a new policy and you had maybe two pit bulls, that could very well be a problem and we wouldn't be able to write the insurance, but that's no longer the case. My advice though is if you have one of [00:43:00] those breeds. Um, going back to the umbrella policy, you may want an umbrella policy.

Even, I had two beagles when I was married. I mean, my beagles were not taking off your arm. Um, but I had an umbrella policy. That was one of my reasons because I don't know that if a baby comes in the house, they're not, you know, going to take a nip out of the leg. You know, they're a dog. So, you may want to be protected, but now you can pretty much get insurance.

Now, if you're a breeder or something, that's a whole different conversation. It's a whole different policy. Yeah, it's a commercial. Yeah, if you're just a homeowner who has a few dogs, that's okay. 

Bisendra Melaram: Okay, so, let's just say in the event something happens with the house, whether it's catastrophic, act of God, what's the process to file a 

Christina Shaw: claim?

That's a really good question. For my customers, I want you to call my office right away, um, and then we can guide you or I, and if it's after hours or the weekend, I want you to call me personally if it's catastrophic. [00:44:00] If it, if it's not, and, um, you call our office all states 24 seven, right, or all of our companies, I should say, or that.

So we're going to talk about making sure this is a claim. That we have to file it. I want you to understand your deductible and the process. I want you to take as many photos as you can and video. Um, and I just want to walk you through what to expect. And I think that eliminates a lot of frustration, right?

Like, these are the next steps. Um, we have a fantastic claims department, but people are human, right? And sometimes things go sideways. So early on I let you know if there's a bump in the road. You need to reach out to me and that's my job to be your advocate. Um, and we work, uh, in tandem with our claims department.

Bisendra Melaram: Okay, so there's nothing really for the homeowner to do other than document and 

Christina Shaw: contact? Document and call us immediately. Um, and let's have a conversation about, about the claim. 

Jason Kleiger: That's, that's crucial because, uh, you know, talking to [00:45:00] someone especially when you know them, um, during these You know, issues and, and, you know, whatever, if it's catastrophic or even if you just don't know 

Christina Shaw: the process.

It's stressful. Oh yeah. Even when I was going through my fire, I mean, I'm an insurance agent and it, there were moments where I'm like, I'm just overwhelmed because you're still a human. Um, in my case, I lost every possession, my home, and it's, it's just a lot for anybody to process. So to eliminate the frustration of like trying to reach a claim adjuster, just call me.

That's why we're here. I'll do it.

You could also use our app, like if it's a simple claim, like the other day I was waiting for. My boyfriend's mother to get in the car on the Upper East Side. We literally just stopped for one nanosecond to have her open the door.

And this nice, nice man driving a U Haul from Michigan. Just like takes off, [00:46:00] you know, the side of the car because he thought he could get through. He was so nice, I actually felt bad for him. Um, but that's like something, take some pictures. Get an estimate. Upload it on the app. One, two, three. It's not complicated.

And it also depends on you, the user, right? I have people who don't want to talk to me. They want to do everything on the app, and then 

Bisendra Melaram: that's okay. Right, but at some point they're going to have to talk to someone if they have a claim. Someone's going to have to come visit them. 

Christina Shaw: Well, if it's simple like that, um, a lot of times we'll just deposit the money right into your bank account.

If you upload the photos. The estimate, it's under a certain number. So you just need the routing number, or what? We just get your banking information and it's that simple. It's that simple. Yeah. 

Bisendra Melaram: Okay. Well, that's very cool. I think she's answered pretty much everything else that I would have asked. I'm trying to think of it from a consumer perspective.

I 

Jason Kleiger: have a question for Mr. Marcus here. Oh, I'm ready. Maybe you know, maybe you don't. All right, so I'm sorry to put you on the spot. How do lenders, when the purchaser [00:47:00] does not obtain insurance, homeowner's insurance? How do lenders pick it for them, and do you know 

Jason Marcus: how? There's no pickin Uh, like, you just gotta get it.

I can't close a purchase without insurance being in place. 

Jason Kleiger: Yeah, but there would be, like, so like, for example, I've done plenty of closings where the purchaser just decides that, or just forgets or omits getting homeowner's insurance. So, at the closing, as part of the closing costs that are 

Jason Marcus: removed from the net proceeds 

Jason Kleiger: by the bank, Is money for an insurance policy where the bank has just bought this person an insurance policy and this person didn't even know it 

Bisendra Melaram: Well, that's crazy.

Jason Marcus: Wow. Yeah, I've never seen that. I've never 

Bisendra Melaram: oh, yeah I guess that 

Christina Shaw: sounds after the fact so Like three years in, let's say they let their homeowners insurance go, and they force place, and it's always at like five times the cost, but I don't know the process, but I've never seen 

Bisendra Melaram: it early. Yeah, from inception?

From inception? I've never 

Jason Marcus: Yeah, not from inception, and understand that like when these [00:48:00] loans get originated, most of the time, the originating lender isn't who the servicer is. So the servicer's gonna have to deal with that, and then like, what You guys were just talking about, they'll just force insurance upon you, uh, but the bank, the bank won't let you originate without, well, they won't let me originate without it, any bank that I've worked for thus far.

Yeah, cause I'll, I'll look at 

Jason Kleiger: the CD and it's not paid outside of closing, it's, it's right there being taken, sucked right out of their net proceeds. And I'm like, yeah, this is 

Bisendra Melaram: your insurance policy. So they got that number at the table? They 

Jason Kleiger: get that number at the table and their bank is the one taking it out.

Um, it's not prepaid, you know, a year in advance or anything like that by the, the purchaser. It's just straight up taken out and I'm like, yeah, your bank bought your policy for you because apparently you didn't pick 

Bisendra Melaram: one. And apparently you should have listened to me when I told you last week to go get a policy.

Jason Kleiger: Yeah, yeah. And, and so I always tell them that you could, you know, change it 

Bisendra Melaram: in a few days. Yeah, yeah. And I suggest them to [00:49:00] review 

Jason Kleiger: it with someone and, you know, because who knows what they just picked for 

Jason Marcus: you. I'm going to use logic based on this entire conversation and come up with the fact that if it's If you can save more by doing auto than you can do home.

Is it my best bet to just buy a mobile home? Second mic 

Christina Shaw: drop 

Bisendra Melaram: Oh, that wasn't a real question. We're all waiting for the 

Jason Marcus: answer. I don't know the answer. 

Bisendra Melaram: I'm at the edge of my seat, like, wait, wait, what is, what's, what's going to happen next? 

Jason Marcus: But I can buy, uh, I am going to buy an RV, so I guess I'm going to delve into that.

What's, what's it, how are those policies? That's a 

Christina Shaw: completely separate policy, super affordable. I want to buy an RV and drive across the country, but I haven't. Had any takers that want to do that? 

Jason Marcus: We've been talking about it for a long 

Christina Shaw: time That's an awesome way to see the country and not checking in checking out of a hotel.

I don't know [00:50:00] I'm 

Jason Kleiger: getting out of Dodge. 

Bisendra Melaram: That's what I'm doing. So for the past six months. I've been looking at The conversion vans that you know, like an old Amazon van type of thing to convert into an RV You know, you 

Christina Shaw: could follow those people on tik tok. You could go down like a really 

Bisendra Melaram: No, well, I've gone down a lot of rabbit holes.

I've 

Christina Shaw: gone down way too many. Wait, why am I watching this woman's life 

Bisendra Melaram: in her van? So, but I really want to build it myself. So I'm looking for cabinetry workers now. Oh my god. Yeah, that's how bad it is. Oh wow. To custom build my cabinets. And I bought all the hardware from a shipping supply store, like, Sea going shipping supply, where they sell hardware for ships, because that's what you're supposed to use to keep the draws and stuff from flying over.

Take it into the lake or something? Yeah. 

Christina Shaw: I took my first vacation last summer in an RV in southern Oregon. I flew to Portland to meet a good friend, and we got in her RV, and [00:51:00] she has RV friends. And we get to the RV park, and I'm like looking around, and they're like, What's up with your friend? And she's like, Oh, she's never been in an RV to a park.

They were looking at me like, Where is she from? And I was fascinated by this, like, It is, it's amazing. I'm like, We're gonna just park on this concrete, and we're staying here. Then they like whip out fire pit. They had the expansions, too. Yeah, it was really, it was awesome. And hers was like a bougie RV, so it works for me.

Oh, the mattress, cause I was like a little unsure. Some of those things are half a million 

Bisendra Melaram: dollars. Oh, this was nice. Yeah, the bus ones are like half a million dollars. Can you park it in Queens? 

Jason Marcus: No, no. I'd 

Bisendra Melaram: like to see you make a turn on one of those blocks in Queens with one of those things. Oh, oh my 

Jason Marcus: gosh.

So we, uh, for, I mean, between. Bonnaroo and Phish, we've rented RVs probably about a dozen times, and I was been living in Queens for a while while this was going on, so I would go out to Comac, get the RV, and [00:52:00] have to pick everybody up in Queens. Where, I've gotten smarter in my attempts on how I'm crossing over waterways, but at one point in time, we decided to take the RV on the BQE, during a super storm.

I mean, it was, yeah, like, there's points in time where you're Questioning your life decisions? Yeah, yeah, that was one of those things. Fortunately and unfortunately, I am friends with sanitation workers. Now, if any of you guys are friends with sanitation workers, you understand that they think that garbage trucks work the same way as Hyundai excels.

My buddy is driving an RV. Like, it's like, one hand, like, foot out the window, one arm on the steering wheel, going down a 45 degree, like, pitch, which is turning on a wet room, or a wet road, in a hailstorm. [00:53:00] And like, this guy's just like, going about his business, my knuckles are bleeding from squeezing and holding on tight.

I, yeah, I came to, 

Bisendra Melaram: I came to God at that point. I started 

Jason Marcus: asking. It sounds like a good time though. Oh yeah. It's great. But when it comes down to actually like sitting, um, and setting up camp and RVs are great. I mean, it's, oh, I thought it was awesome. It's an unbelievable way to do things. Like it's really.

You know you can do like it's obviously bed. It's Bathroom, it's and leave these things are crazy. You get to the point where like my buddy bought a fifth wheel That's the one where like the RV itself gets dropped into the back of the pickup truck Those you have to really know how to drive and know what you're doing.

I can still get 

Bisendra Melaram: a f 350 

Jason Marcus: Well, that's the way to do it because like what you did, like, and I'm sure a lot of people there did it. The beauty of that is it's like you basically plant the fifth wheel on the site. Yes. Now you disconnect the pickup [00:54:00] truck and now you can drive 

Christina Shaw: around. I run a lot of business upstate and so this is more popular in upstate New York than of course here.

So I had to become like versed even in insuring trailers and double wides. Like I used to not know all this lingo. And then you're kind of like, I got to understand this, right? Yeah. It's like a mansion on the trails. 

Jason Marcus: And on a regular RV where you're driving the actual entire unit, you can't take those on a beach.

But when you have the fifth wheel, like that's another thing. So like if you're sitting there and it's like, I'm going to camp out on the beach, you're going to want a fifth wheel because that you can get your, you can take the air pressure out of your tires, get this thing on the beach, pop it there. And once again, disconnect your truck and be able to go.

And, you know, especially out east to Heather Hills. Yeah. You sit there and you, you hit Heather Hills. Then now you're playing like, you know, your Montauk game and your, your Hamptons games and like you can go and do your thing. So keep that 

Bisendra Melaram: in. Yeah, that sounds like fun for me. The back of [00:55:00] your mind. That's still gonna build it out and then 

Jason Kleiger: he could tailgate the check games.

Jason Marcus: Yeah He bought a sprinter, yeah, and he just minted this thing out and it's just like I'm gonna live this and it's not cheap 

Bisendra Melaram: to do Oh, no base 

Jason Marcus: sprinters are expensive too. 

Bisendra Melaram: Undoubtable people do buses. No, no, but I want to Sprinter to the I think it's like 14 or 16 feet. I don't remember but base sprinter All wheel drive is 70 grand.

Yeah. Yeah, no doubt. Easily. And then I'm going to spend another 40 to outfit it the way I want. 

Jason Marcus: As opposed to just spending 125, 000 and buying a sick 325 button expansion RV that's already done for you. So good luck 

Bisendra Melaram: with that project. I will be borrowing it. I feel like a teenager again trying to build a supercar again.

Or just buy a house in the Midwest for that money. Yeah, but then I can't just pick it up and go. I mean, 

Jason Marcus: if there's a tornado, Oh, 

Bisendra Melaram: it's gonna get picked up anyway. It's gonna get picked up anyway. It's gonna get picked [00:56:00] up anyway. Okay, well I'm I'm pretty satisfied with all the information Christine has been able to provide for us.

I just love that you're doing this, and I think it's awesome.

Christina Shaw: It's a lot of fun. It's a lot of fun, and I hope your audience appreciates this, and I look forward to sharing this and helping you grow. 

Bisendra Melaram: Well, it's for everyone's benefit, especially that of the consumer looking to educate themselves, and that's really why we do this, is we want everyone to be educated in the process, and inadvertently, by doing so, making our life easier.

Christina Shaw: Was this on your bucket list to have a podcast? Like, how did it manifest? 

Bisendra Melaram: Absolutely. So it manifested in the very early stages of COVID. Okay. Where prior to COVID, I was doing a lot of, first time homebuyers seminars with 

HUD approved counseling agencies. Okay. Yes. And NHS and all these other smaller things. And I really liked. Connecting with a large number of buyers at a time, having, hold their hand and walk them through the [00:57:00] process because these agencies have a strict protocol of, you know, you have to do the realtor portion.

You have to do the attorney portion. You have to do the mortgage portion. And you also have to do a handyman portion. Oh, right. Because a lot of these agencies at that time, prior to COVID were the gateway to financial assistance, down payment assistance specifically. Got it. Right. Right? So the government, they're setting you up for success.

So, and I missed that during COVID and how I, I offset that was by trying to do the zoom. Way, which was great for me, but not so much for the people who were not technologically inclined So now I'm like wait a second Something's got to give so I've had this burning desire and these two gents are Always a wealth of knowledge and always keep me on the right track, you know and keep it entertaining So and we've had good working Relationship prior to this don't stop.

Yeah [00:58:00] The three of us have worked phenomenally together On multiple transactions, so I wanted to harvest that energy, motivation, and help everyone. I think it's awesome. Yeah, it's working out great. Yeah, 

Jason Kleiger: and we appreciate you coming here. Oh, 

Bisendra Melaram: my pleasure. 

Christina Shaw: Sharing your wealth of knowledge. I love doing this kind of stuff.

Yeah, it was fun. And I'm excited for the micros. Get this up on my Instagram. Oh, yeah. 

Bisendra Melaram: I'm looking for fresh content. Oh, you're gonna have so much fun because the, uh, I guess it's called B Roll. The little clippets in between make it so entertaining. I don't know, you'll, you'll And people want to 

Christina Shaw: see, like, the raw Yeah, they love it.

Yeah, yeah, yeah. stuff. Yeah, right. Yeah. 

Bisendra Melaram: Thanks, Christina, for joining us and sharing your wealth of insurance knowledge. It was fantastic and great information.

You're welcome to come by anytime and we will invite you back at a later date for a future episode. Co ops, condos, condos and more. I love co ops and condos. That's my 

Christina Shaw: jam. Ask me any question, I got the answer. Oh 

Bisendra Melaram: yeah, I got the two [00:59:00] right gentlemen for you right here. So thanks for coming. Have a great new year, and we look forward to seeing you again.

You as well. Thanks guys 

Jason Kleiger: Mr. Marcus, thank you and Christina. Thank you as well and the Bisendra your gracious 

Bisendra Melaram: host. Thank You. Mr. Kleiger. You're always welcome