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!

In this episode of the Selling St. Pete Podcast, host Nicole Saunches welcomes back Andi Menaul from Goodwin Mortgage Group to discuss the impact of hurricanes Helene and Milton on the Tampa Bay area. They focus on the challenges faced by displaced families and explore the FHA 203h loan as a financial lifeline for those affected by the disasters. Andi explains the eligibility criteria, which allows both homeowners and renters in presidentially declared disaster zones to purchase new homes with zero down and more flexible credit requirements. The episode aims to provide crucial information and hope to those looking to rebuild their lives after such devastating events.

If you or someone you know would like to connect with Andi or Nicole to see if you are elgible for the FHA 203h loan, you can call or text Andi at  (727) 667-5936 or Nicole at 719-201-5022.

Thanks for listening!

Join Nicole Saunches as she sits down with Austin Weaver from My Easy Mortgage to uncover the common pitfalls and mistakes that could cost you more money or even prevent you from obtaining a mortgage. In this insightful episode, Austin shares expert advice on navigating the mortgage process, ensuring you're well-prepared for one of the most significant financial decisions of your life.

Key Topics Discussed:

1. Understanding the Mortgage Process:

2. Common Mistakes to Avoid:

3. Costly Pitfalls:

4. Expert Tips from Austin Weaver:

   • How to improve your credit score before applying
   • Steps to take to ensure a smooth mortgage approval process
   • The importance of working with a trusted mortgage advisor
   
   

Why You Should Listen:

• Gain insider knowledge from a mortgage expert
• Learn how to avoid costly mistakes
• Empower yourself with the tools to make informed decisions about your mortgage

Connect with Us:

• Follow Nicole Saunches on Instagram at @sellingstpetefl
• Follow Austin Weaver on Instagram at @atwmortgage

• Subscribe to Selling St Pete with Nicole Saunches for more expert advice and tips

Call to Action:

• Enjoyed this episode? Leave us a review and share it with your friends!
• Have questions about mortgages? Reach out to Austin at https://myeasymortgage.com/team/austin-weaver/
• Have a question for Nicole or a show topic to recommend? DM Nicole on Instagram or call/text her at 727-282-4335

Closing Thoughts:

• Thank you for tuning in!
• Stay tuned for more insightful episodes with industry experts

Keywords:

• Mortgage tips
• Mortgage mistakes
• Home loan advice
• Austin Weaver
• My Easy Mortgage
• Mortgage approval
• Financial advice
• Credit score improvement
• Mortgage rates

Join us as Nicole Saunches from Coastal Properties Group International, Forbes Global Properties speaks with Ashley Hutson, an esteemed Estate Planning Attorney from Berlin, Patten, Ebling. Together, they discuss the proactive steps individuals can take to ensure peace of mind, maintain control over their affairs, and safeguard their legacy.

Episode Highlights:

1. The Foundation of Legacy:

   • Nicole and Ashley emphasize the fundamental importance of estate planning, transcending wealth brackets. Whether you're a high-net-worth individual or just starting your journey, estate planning is indispensable for securing your legacy and ensuring your wishes are honored.
   
   

2. Proactive Peace of Mind:

   • Delve into the peace of mind that comes with proactive estate planning. By setting up power of attorney and beneficiaries in advance, individuals can navigate unforeseen circumstances with clarity and control. Ashley provides insights into how such proactive measures mitigate the risk of guardianship or probate, offering solace in times of incapacity.
   
   

3. Navigating Incapacity:

   • Nicole and Ashley shed light on the startling statistic that 70% of individuals will experience some form of incapacity in their lifetime. From minor setbacks to significant challenges, the repercussions can be profound. Discover how estate planning empowers individuals to dictate their decision-makers, ensuring their voice is heard amidst legal complexities.
   
   

4. Dispelling Probate Myths:

   • Addressing the common misconception that a will can entirely circumvent probate, Nicole and Ashley demystify the complexities surrounding probate proceedings. Through insightful anecdotes and legal expertise, they illustrate why comprehensive estate planning extends beyond a simple will, offering a holistic approach to asset distribution and legacy preservation.
   
   

Key Takeaways:

• Estate planning is a universal imperative, transcending income levels.
• Proactive measures provide peace of mind, allowing individuals to navigate unforeseen circumstances with clarity and control.
• Incapacity is a reality for many; estate planning empowers individuals to dictate their decision-makers, mitigating legal uncertainties.
• Comprehensive estate planning goes beyond a will, offering a holistic approach to asset distribution and legacy preservation.

Conclusion: Thank you for tuning in to the Selling St Pete podcast. We hope today's discussion has shed light on the vital importance of estate planning in shaping your legacy and securing your future. If you would like to schedule a consultation with Ashley Hutson, you can reach her via email at ahutson@berlinpatten.com or by phone at 727-822-2505.

And, if you would like to schedule a consultation with Nicole Saunches, you can reach her via email at nicole@nicolesaunches.com or phone/text at 719-201-5022.

Stay tuned for more insightful conversations on topics shaping your financial and personal well-being. Until next time, remember: Your legacy begins with a plan.

In this episode, I share some of the latest insights on the housing market, covering nationwide and local trends impacting buyers and sellers.

Key Highlights:

• Nationwide Trends:

  • 4 million real estate transactions in 2023, the lowest in three decades despite a 24% population increase since 1993.
  
  

• Local Insights:

  • Pinellas County saw an 11% sales decrease, while St. Pete experienced a 6.4% decline year-over-year.
  
  

• Impact of Interest Rates:

  • Rising rates have prompt homeowners to hold onto low pandemic-era rates, leading to pent-up demand.
  
  

• Cash Purchases:

  • Nationwide, cash transactions hit a 10-year high, comprising one-third of sales in January 2024. Locally, Pinellas County and St. Pete saw 51% and 48% cash transactions, respectively.
  
  

• Price Appreciation:

  • Home prices continue to rise, with over 85% of metro areas seeing increases in Q4 2023. Tampa Bay maintains double-digit growth and Florida has experienced the largest home equity growth nationwide since Q1 2020.
  
  

• Condo Market Shift:

  • The passage of Senate Bill 4D in the spring of 2022 has created notable changes in the condo market
  
  

• Market Dynamics:

  • By definition the market is still considered to ba a seller's market though, in many ways, it is acting like a buyer's market. However, real estate and market trends are hyper local and what happens in one neighborhood may not be the same trend in another neighborood.
  
  

If you are thinking of buying or selling I would recommend seeking professional guidance for personalized strategies in navigating the evolving market landscape. If you would like to schedule a consultation, you can call or text me at 727-282-4335 or email at nicole@nicolesaunches.com

Nicole Saunches from Coastal Properties Group engages in an insightful conversation with Angelic Williams, financial expert from J Galt Financial Suite, on the crucial topic of financial strategies for business owners. In this episode of Selling St Pete podcast, they explore the nuances between establishing business credit and corporate credit, shedding light on the advantages of securing corporate credit for business growth, and the significance of maintaining a clear separation between personal and business expenses.

Episode Highlights:

1. Distinguishing Business Credit and Corporate Credit:

   • Angelic Williams begins by demystifying the terms 'business credit' and 'corporate credit,' outlining the fundamental differences between the two.
   • The discussion touches upon how each type of credit serves distinct purposes and contributes to the overall financial health of a business.
   
   

2. The Pros of Securing Corporate Credit:

   • Nicole Saunches delves into the benefits that come with a business owner actively pursuing and securing corporate credit for their company.
   • Angelic Williams provides insights into how corporate credit can open up new avenues for funding, expansion, and financial flexibility for business operations.
   
   

3. Financial Empowerment for Business Owners:

   • The conversation extends to practical tips and strategies for business owners to successfully establish and leverage corporate credit.
   • The speakers emphasize the empowerment that comes with financial knowledge, enabling business owners to make informed decisions for the growth of their enterprises.
   
   

4. Importance of Separating Personal and Business Finances:

   • One key aspect discussed is the significance of maintaining a clear line between personal and business expenses.
   • The interview highlights the potential pitfalls of mingling personal and business finances, and the positive impact it can have on creditworthiness and financial stability when separation is maintained.
   
   

If you would like a free business check, click here: And, if you would like to connect with Angelic, you can reach her via email at awilliams@jgalt.io or text her (please no phone calls) at 510-833-6429.

As always, we hope you found this episode to be useful and learned something new.

Please share this episode with anyone you think could benefit from this information.

Disclaimer: The information provided in this podcast is for educational purposes only and should not be considered as financial advice. Listeners are encouraged to consult with financial professionals for personalized guidance tailored to their specific situations.