Inheriting a home? Don't make costly insurance mistakes! When you inherit property, understanding vacant home insurance, estate insurance policies, and when to file claims can save you thousands of dollars.

In this episode of Bodacious Estate Conversations, Kasey King interviews Shane Hulbert, a top insurance broker, who reveals:

● Vacant home insurance vs. standard homeowners insurance

● The 30-60 day vacancy rule for inherited properties

● When to file insurance claims (2x deductible rule)

● How long claims stay on your record (5 years)

● Probate property insurance requirements

● Why call a broker BEFORE your insurance company

● Coverage for frozen pipes, vandalism & fire damage

Key Moments

● 00:00 - Introduction to Shane Hulbert

● 01:11 - First Steps When You Inherit a Home

● 02:21 - Understanding Vacancy Clauses (30-60 Days)

● 03:17 - Vacant Policy vs. Standard Homeowners Insurance

● 05:00 - Frozen Pipes & Custom Coverage Options

● 05:56 - Biggest Insurance Surprises & Claim Denials

● 08:10 - The Squirrel Story: Why Honesty Matters

● 10:20 - Call a Broker FIRST, Not Insurance Companies

● 11:23 - The "2x Deductible Rule" Explained

● 13:32 - How Long Claims Stay on Your Record

● 15:10 - Real-Life Estate Insurance Walkthrough

● 29:29 - Shane's #1 Time-Saving Tip

● 32:14 - How to Contact Shane

BEST QUOTE

"If you have a $1,500 deductible and repairs cost $1,600, pay it out of pocket. But if it's $3,000-4,000, file the claim."—Shane Hulbert

Contact Shane Hulbert

● Website: ShaneSellsCoverage.com

● Phone: 410 267 3653

● Email: shane.hulbert@goosehead.com

ABOUT THIS PODCAST

Bodacious Estate Conversations offers practical advice for executors, heirs, and families navigating estate settlement, probate, and the management of inherited property.

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