Episode Description: In this episode of Real Money, Real Life™, Linda talks with Mary Schepp about what really falls under property & casualty (P&C) insurance, how umbrella policies work, and why premiums have been climbing.

We talk about:
- P&C 101: the difference between property coverage and casualty (liability)
- Umbrella insurance as excess liability and when it can protect your assets
- Deductibles (all‑peril vs. wind/hail) and how percentage deductibles work
- Replacement cost vs. actual cash value on roofs, matching endorsements, and common exclusions
- Why rates are rising: catastrophe losses, rebuild costs, and using insurance like a maintenance plan
- Why to review your home/auto policies with your agent at renewal
- What “full coverage” on auto really means (liability + collision + comprehensive)

About Mary:
Mary Schepp is the Agency Manager at Brightway Insurance, The Janicki Agency, with over 25 years’ experience in the real estate industry, customer service, and management—including time as a loan officer and as an insurance agent. She’s an active community advocate through The Rotary Club of Cary‑Grove, the Cary‑Grove Area Chamber of Commerce, and Fresh From Local Farms Organization.

Connect with Mary:
Website: https://brightwayjanicki.com

Phone: 847-807-3200

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Website: https://www.LindaGriz.com

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Resources/Freebies:
What’s Your Money Personality Quiz: https://bit.ly/MonPersQuiz

What’s Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz

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