Here’s a polished set of show notes that align with the style of your previous Selling St. Pete with Nicole Saunches episodes and integrate the transcript details you provided:

Guest: Clive Gavin, State Farm Insurance Agent (FL)

Contact: (727) 799-4665 • Clive@DriveWithClive.us

Homeowner’s insurance has become one of the hottest—and most confusing—topics in Tampa Bay real estate. In this episode, Nicole sits down with returning guest Clive Gavin of State Farm Insurance to break down exactly what you need to know about protecting your home. They dig into what a standard HO policy covers (and what it doesn’t), why liability limits matter more than most people think, flood insurance realities even in X-zones, and the biggest coverage mistakes that cost homeowners thousands.

Whether you’re a buyer, seller, investor, or snowbird, this episode is packed with insights on reducing risk, saving money, and staying properly insured in a rapidly shifting market.

• What a Standard Policy Covers (and Doesn’t)
• Fire, theft, vandalism, wind/hurricane, sudden pipe breaks—and where riders or endorsements fill the gaps.
• Replacement Cost vs. ACV
• Why you should insure your dwelling and personal property at replacement cost, not depreciated value.
• Liability Blind Spots
• From dog bites to pool accidents—why Clive recommends $300K–$500K+ liability limits and when an umbrella policy is worth it.
• Primary vs. Rental Properties
• Why landlords need higher liability coverage, Loss of Rents protection, and renters insurance requirements.
• Seasonal & Snowbird Risks
• How to prevent small maintenance issues from becoming massive claims when you’re away.
• Condo vs. PUD Policies
• Confirming classification with the county appraiser before buying coverage—and reviewing HOA master policies carefully.
• Flood Insurance Realities
• The 30-day wait, X-zone myths, and why NFIP vs. private market options matter (plus ALE limitations).
• Hurricane & Wind Deductibles
• Understanding 2–10% deductibles and how they can impact your pocketbook after a storm.
• Inspections that Matter
• 4-Point and Wind Mitigation reports can make or break eligibility—share clean reports with buyers.
• Roof Age & Drones
• How carriers monitor roof condition, why permits matter, and how to get discounts for upgrades.
• Premium-Reduction Tips
• Tree trimming, soft-washing roofs, updating your agent after upgrades, and when shopping around makes sense.
• Must-Have Riders
• Water/sewer backup, mold remediation, increased water-damage limits, personal articles coverage, and umbrella liability.
• Policy Right-Sizing
• Re-run replacement cost after renovations—don’t rely on market value for coverage.

Bottom line: Preventive maintenance + right endorsements + adequate liability = protection for your biggest asset.

• 00:00 – Welcome & why insurance is so confusing right now
• 01:05 – What a standard HO policy covers (cause & effect)
• 02:20 – Replacement cost vs ACV; liability blind spots
• 04:15 – Citizens vs. private carrier liability recommendations
• 05:10 – Rentals, Loss...

In this episode of the Selling St. Pete Podcast, host Nicole Saunches sits down with Clive Gavin, a seasoned State Farm Insurance agent with over two decades of experience, to demystify the world of auto insurance. Whether you’re a daily commuter, a seasonal resident, or someone trailering a boat across Florida, understanding your coverage is essential—especially in a no-fault state like Florida.

Clive shares his journey from Ohio to Florida insurance management, and now running his own agency in St. Pete. Together, Nicole and Clive tackle the most common questions drivers face:

• Why Florida’s no-fault system drives higher rates—and how lawsuits play a role.
• The key differences between liability, comprehensive, and collision coverage.
• What uninsured/underinsured motorist coverage really means for your family.
• How seasonal residents (“snowbirds”) can adjust their policies effectively.
• The discounts and programs many policyholders overlook—like multi-car, multi-line, and good student savings.
• Why shopping your policy at renewal can be smart, but loyalty may pay off more long-term.
• Quick tips to avoid costly mistakes when filing claims.

Plus, Clive explains how classic cars, boats, and even golf carts fit into the insurance equation, and what you should always check before buying a used vehicle in Florida.

By the end of this episode, you’ll walk away with practical knowledge to help you avoid surprises, protect your assets, and potentially save money on your auto insurance.

Clive Gavin – State Farm Insurance Agent

📞 Call/Text: (727) 799-4665

📧 Email: Clive@drivewithClive.us

📍 Office: 5505 Park St N, St. Petersburg, FL 33709

• Subscribe to the Selling St. Pete Podcast for more insights on real estate, lifestyle, and living well in Tampa Bay.
• Visit SellingStPeteFL.com for show notes, real estate resources, and more.

Boating in Tampa Bay is a lifestyle—but it comes with its own set of challenges. From saltwater corrosion to keeping up with modern electronics, local boat owners often find themselves juggling repairs and upgrades at the worst possible times.

In this episode of the Selling St Pete Podcast, host Nicole Saunches sits down with Max McNary, owner of First Time Marine, a mobile marine service company.

Max brings years of certified expertise with Yamaha, OXE Marine, SeaStar, and more, and he’s passionate about helping Tampa Bay boaters get it right the first time. We cover:

• What makes mobile service so convenient (and often less expensive than dealerships)
• Common mistakes boat owners make with maintenance in Florida’s climate
• Pre-season prep every boat owner should schedule before hitting the water

• The latest trends in marine electronics—from chartplotters to trolling motors

• Tips for extending the life and value of your vessel in Tampa Bay’s salty, sunny conditions

If you own a boat in Pinellas, Pasco, or along the Gulf Coast, this episode will give you actionable advice to save money, avoid breakdowns, and spend more time on the water.

Thanks for tuning in! Connect with Max on Instagram here or on Facebook here or visit his website, www.firsttimemarine.com and share this episode with boaters you know!