Golf + Insurance Talk: What REALLY Impacts Your Home Insurance Costs

In this video, I hit the golf course with my insurance broker Wesley to break down everything you didn’t know you needed to know about homeowners insurance — in a fun, casual way.

We’ll cover:
📌 What actually impacts your fire insurance premiums
📌 Why being near a fire hydrant could save you thousands
📌 How bundling home and auto insurance really works
📌 Big insurance differences between new builds vs older homes
📌 What a homeowners insurance policy actually covers (and what it doesn’t)

If you’re buying a home in California—especially in Sacramento, Placer County, Rocklin, Roseville, Auburn, or the foothills—understanding fire insurance, flood insurance, and risk coverage is critical right now. We made this a fun, real conversation out on the course so you could learn and not be bored out of your mind.

My Channel:    / @jakefromhomeloans  

Wes’s info
Wesley Finkemeier
Finkemeier Insurance Services

1805 Cirby Way Ste. #7
Roseville, CA 95661
Lic: 0L75556
Cell: 916-747-5426
Phone: 916-666-7889
Fax: 916-666-7885
Website:finkemeierinsuranceservices.com
Email: [email protected]

💬 Got questions about fire zones, bundling, or how insurance affects your mortgage? Let’s chat!
📅 Schedule a Free Consultation: https://scheduler.zoom.us/jacob-kurtz...
📲 Download My Mortgage App: https://mtgpro.co/dr/c/6vkqu
📧 Email Me: [email protected]
📞 Call/Text: 916.208.8941
NMLS #2117984

Let’s Connect:
📸 Instagram:   / jake_fromhomeloans  
🎵 TikTok:   / jakefromhomeloans  


Jake Kurtz | American Pacific Mortgage
✅ Helping first-time buyers, families, and anyone trying to buy smart in today’s California market

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💬 Drop your insurance or mortgage questions in the comments — I’d love to answer them in a future video!

Timestamps:
00:00 Introduction and Opening Shots
01:07 Discussing Fire Insurance Factors
01:45 Impact of Proximity to Fire Hydrants
02:13 Insurance Costs in Different Areas
04:18 Bundling Home and Auto Insurance
04:45 Insurance Companies' Strategies
06:23 Advantages of New Builds
07:52 Understanding Homeowners Insurance
09:49 Policy Exclusions and Maintenance
12:03 Coverage for Property Damage
12:55 Living on a Golf Course
13:31 Final Questions and Wrap-Up
13:39 Sign Off and Thanks