Let’s Talk Insurance and Why Every Investor Has to Pay Attention
Fri Feb 06 2026
In this episode of The Academy Presents: Real Estate Investing Rocks, Angel sits down with insurance expert JT Lynch to break down why insurance has become one of the biggest deal killers in today’s market. They discuss how rising premiums, property claims history, lender requirements, and market conditions are reshaping the way investors must underwrite and plan. This conversation helps investors understand how to budget for insurance, avoid surprises, and treat it as a core part of doing business rather than an afterthought
Topics Covered
• Why insurance premiums are increasing across the country
• How claims history follows the property, not the owner
• Why short hold periods make insurance riskier for carriers
• Insurance challenges in high risk markets and disaster prone states
• Replacement cost increases and lender driven coverage demands
• How renters insurance and tenant programs reduce owner risk
• Using insurance costs as a negotiation and underwriting strategy
Quotes
“Insurance is a necessary evil, but if you understand it, it doesn’t have to be a deal killer.”
“They don’t insure you, they insure the property and its history.”
Connect with Angel: https://www.linkedin.com/in/angel-williams-re/
Connect with JT : https://www.linkedin.com/in/jtlynchrameyking/
More
In this episode of The Academy Presents: Real Estate Investing Rocks, Angel sits down with insurance expert JT Lynch to break down why insurance has become one of the biggest deal killers in today’s market. They discuss how rising premiums, property claims history, lender requirements, and market conditions are reshaping the way investors must underwrite and plan. This conversation helps investors understand how to budget for insurance, avoid surprises, and treat it as a core part of doing business rather than an afterthought Topics Covered • Why insurance premiums are increasing across the country • How claims history follows the property, not the owner • Why short hold periods make insurance riskier for carriers • Insurance challenges in high risk markets and disaster prone states • Replacement cost increases and lender driven coverage demands • How renters insurance and tenant programs reduce owner risk • Using insurance costs as a negotiation and underwriting strategy Quotes “Insurance is a necessary evil, but if you understand it, it doesn’t have to be a deal killer.” “They don’t insure you, they insure the property and its history.” Connect with Angel: https://www.linkedin.com/in/angel-williams-re/ Connect with JT : https://www.linkedin.com/in/jtlynchrameyking/