Head in the Clouds

Why Insurance Matters: A must-listen for agents and homebuyers with Malachi Loyal

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Today’s Head in the Clouds episode is a must-listen for agents and homebuyers who think insurance is something you deal with after the deal is done. Heather is joined by trusted insurance advisor Malachi Loyal of Comparion Insurance Agency to reveal what really matters when it comes to protecting the biggest investment of your life—your home. From roof age and ZIP code risks to renters and mobile home policies, this episode will shift how you think about coverage.

Show Notes / Highlights

  1. Intro

    • Host Heather and guest Malachi Loyal from Comparion Insurance

    • Why insurance goes beyond paperwork—protecting belongings and peace of mind

    • Homeowner’s Insurance Essentials

      • Mortgage lenders require it; no insurance = no protection

      • Explanation of Coverage A–F: dwelling, other structures, personal property, loss of use, liability, medical payments

      • Risk Transfer & Coverage Options

        • Deductibles, rebuild vs. market value

        • Appraisals for high-value items (e.g., fine art)

        • Bundling auto and home policies—trust but compare

        • Timing & Location Considerations

          • When agents/buyers should contact insurance—day one under contract

          • ZIP code, flood zones, and roof age heavily impact premiums

          • Renters’ Insurance

            • Covers tenant property and liability—don’t rely on landlord’s policy

            • Overlooked Points During Due Diligence

              • Age of roof, plumbing, HVAC systems

              • Hazards: trees, overgrown limbs, driveway cracks, debris

              • Examples from real claims—when good coverage made all the difference

              • Mobile & Vacant Lot Insurance

                • Separate policies for mobile/manufactured homes, boats, jet-skis, dirt bikes

                • Vacant land still needs liability coverage

                • Agent–Insurer Workflow

                  • What happens after agents pass along property details

                  • Gathering data: roof, age, utilities, location

                  • Customizing policies with clear client conversations

                  • Staying calm and acting as voice of reason during client claims

                  • Final Takeaways

                    • Roof age (15+ years), tree & debris hazards, well-maintained yard = smoother underwriting

                    • Agents can differentiate themselves by guiding clients through these factors

                    • Contact info:

                      • Phone: (404) 543‑4826

                      • Email: [email protected]

                        Guest: Malachi Loyal, Sales Representative at Comparion Insurance Agency 
                        Serving all of Georgia

                        Learn more or get a quote
                        Direct: (678) 926-5645
                        Cell: (404) 543-4826
                        [email protected]

                        ️

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                          Head in the CloudsBy Heather Fowler