Part 2 of our conversation with Tom Birks, we get practical about what “good insurance” really looks like — because if you don’t get home and auto coverage right, it can be financially devastating. Tom explains why there’s no one-size-fits-all policy and how underwriting factors like zip code, roof age, siding, and distance to the fire department can change everything.

We also dive into the coverages most people overlook: liability and umbrella policies. Tom breaks down why umbrella coverage can be one of the smartest, most cost-effective ways to protect your income and assets, and how pushing too hard on price can lead to dangerous gaps — especially with uninsured/underinsured motorist coverage that many people don’t even realize was reduced.

If you’ve ever said “just give me the cheapest,” this episode will change how you think about insurance.

If this episode raised questions about your own insurance coverage or made you realize it’s time for a review, you can reach out directly to Tom Birks at Allstate Insurance.

📞 973-420-2427📧 ⁠tombirks@allstate.com⁠

🎧 Listen now on Apple Podcasts and YouTube — and if nothing else… I Hope This Helps.

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