Are You Really Covered? Insurance Mistakes Homeowners & Business Owners Need to Know

S2 - E16 - With Heidi Moore, COUNTRY Financial® Insurance Agent and host of the Wine Crush Podcast Do you actually know what your insurance covers or are you assuming you're protected? In this episode of The Realtor Who Wines, Rashelle Newmyer sits down with Heidi Moore, COUNTRY Financial® Insurance Agent and host of the Wine Crush Podcast, to uncover insurance questions that homeowners, homebuyers, REALTORS®, and business owners may not realize they should be asking. With nearly 20 years in the insurance industry, Heidi specializes in home, auto, life, agriculture, farms, and wineries and she has some eye-opening advice about protecting the things people have worked hard to build. 🏡 In This Episode: ✔️ Why homeowners should review their insurance every year ✔️ How renovations and additions can affect coverage ✔️ Why insurance companies are paying more attention to aging roofs ✔️ Replacement cost vs. depreciated roof coverage ✔️ The FREE thing homeowners should do once a year ✔️ Why selling eggs, produce, sourdough, or other products can create liability exposure ✔️ Insurance considerations for farms, wineries, and small businesses ✔️ Why having the right insurance advisor matters ✔️ Common life insurance myths ✔️ Why relying only on employer-provided life insurance may deserve a second look ✔️ Life insurance considerations for families and children ✔️ How insurance can impact a real estate transaction ✔️ Heidi's unexpected journey from dairy farms to Oregon wine ✔️ The story behind Heidi's Wine Crush Podcast 🔥 One FREE Tip Every Homeowner Should Know: If a home were destroyed tomorrow, could the owner remember everything that was inside? Heidi recommends walking through the house once a year with a phone and recording everything including closets, drawers, furniture, electronics, clothes, and collections. That simple video could become incredibly valuable after a catastrophic loss. 🏠 Buying a Home? Don't Forget About Insurance. Rashelle and Heidi also discuss something that's becoming increasingly important during real estate transactions: the roof. Insurance companies may consider a roof's age and condition when determining coverage, and some policies may depreciate roof coverage as it ages. That means insurance can become another important piece of the conversation when buying a home. 🌾 Selling Eggs or Sourdough From Home? A side hustle may create insurance considerations most people haven't thought about. Heidi explains why selling products even something as seemingly simple as eggs, garden produce, or baked goods can create business or farm liability exposure and why it's worth talking to an insurance professional before something goes wrong. ❤️ Is It Too Late for Life Insurance? Think life insurance is too expensive? Too late to get in your 40s, 50s, or beyond? Or that the coverage through work is enough? Heidi tackles some of the common misconceptions she hears about life insurance and explains why she believes it's one of the most important conversations families can have. 🍷 And Of Course… We Talk Wine! Heidi's story takes an unexpected turn from growing up around dairy farming to becoming deeply involved in Oregon wine. She shares how she became involved in developing insurance coverage for the wine, craft brew, and cider industries, immersed herself in learning about vineyards and winemaking, and ultimately fell in love with the people and stories behind Oregon wine. That passion eventually led to another adventure: launching the Wine Crush Podcast in 2017. Whether you're a homeowner, homebuyer, REALTOR®, entrepreneur, farmer, winery owner, or small-business owner, this episode may have you pulling out your insurance policies and asking a few more questions. Because insurance isn't just about having a policy. It's about knowing whether that policy will actually protect what matters when you need it. 🍷 Subscribe to The Realtor Who Wines for conversations about real estate, wine, entrepreneurship, business, and the people who make the Pacific Northwest such an incredible place to live. 👍 Like the episode and share it with someone who owns a home or business. 💬 Question for you: When was the last time you actually reviewed your insurance coverage? Cheers! 🥂 Connect with Heide Here: https://agents.countryfinancial.com/u... and https://www.winecrushpodcast.com/