Episode Overview

Colorado house hackers are facing record-high insurance costs – but this 25-year broker just revealed how to cut premiums by $1,000+ annually. Most investors have no idea that 75% of their insurance premium comes from ONE factor, or that Colorado insurance companies are literally losing $10 for every $1 they collect in premiums.

Chris Lopez hosts an eye-opening panel with insurance broker Kendall Liedke (25+ years, 12 company access), mortgage expert Troy Howell (Nova Home Loans), and investor Jeff White (Envision Advisors) to break down the 2025 Colorado House Hacking Insurance strategies investors desperately need.

Kendall drops bombshells including why your credit score difference between 760-850 can save $1,000 annually, how roof age controls 75% of your premium costs, and why having just ONE non-weather claim can get you declined by most carriers. Jeff reveals his three-tier protection strategy that lets him sleep peacefully managing dozens of rental units across Colorado.

In This Episode We Cover:

Why insurance companies require auto+home bundling (it’s not greed – here’s the math)
$1,000+ annual savings from credit score optimization alone
How 75% of your premium is determined by roof age (shocking breakdown)
Why Colorado carriers lose $10 for every $1 collected and what this means for rates
House hacking insurance strategy: One policy with endorsements vs separate coverage
$500K liability requirement for tenants (costs only $15-20 more annually)
Additional interest vs additional insured – critical distinction for landlords
Three-tier protection strategy: Renters + Landlord + Umbrella coverage
And So Much More!

This episode could save Colorado house hackers thousands annually while ensuring proper protection. Whether you’re analyzing your first house hack or optimizing an existing portfolio, these insider strategies from a 25-year broker are pure gold for Colorado real estate investors.

https://youtu.be/jqCT289j5l0?si=p4WNxMmQQyVV6OvU

Timestamps

00:00 – Welcome & Panel Introductions

02:05 – Kendall Liedtke Introduction – 25+ Year Insurance Broker with 12 Companies

03:19 – Captive vs Independent Agents – Why Shopping Matters

04:46 – Homeowner’s vs Rental Policies – 4 Property Types in Colorado

05:53 – Should You Shop Insurance? – Broker Advantage Revealed

7:15 – Bundling Requirements – Insurance Companies Losing $10 Per $1 in Colorado

10:26– High vs Low Deductibles – 1% Wind/Hail = $5,000 on $500K Home

11:46 – Credit Score Impact – 760 vs 850 = $1,000 Annual Savings

14:36 – Claim History Effects – One Non-Weather Claim = Declined

18:20 – Roof Age Reality Check – 75% of Premium Tied to Roof Age

23:08– House Hacking Coverage – Don’t Take Shortcuts on Protection

25:08?– Short vs Long Term Rentals – 180 Days = The Dividing Line

33:40– Tenant Insurance Requirements – $500K Liability vs $100K Standard

40:47 – Colorado Dog Breed Law – No More Breed Discrimination

44:03 – Umbrella Policy Benefits – Tiered Protection Strategy

Connect with our Guests:

Kendall Liedtke: kendall.liedtke@trucordiainsurance.com

Phone: 720-833-8421

Troy Howell: troy.howell@novahomeloans.com

LinkedIn: Troy Howell
Website: https://www.novahomeloans.com/loan-officer/troy-howell/

Jeff White: Jeff@envisionrea.com

LinkedIn: Jeff White

Who is Nova Home Loans?

For over 40 years, we’ve been focused on helping homeowners find the perfect loan to fit their financial needs and personal goals. Working with NOVA is a personalized experience from initial application to final loan closing and beyond. We will be with you every step of the way toward successful homeownership. Start working with NOVA & Troy Howell today!

NOVA FINANCIAL & INVESTMENT CORPORATION, DBA NOVA HOME LOANS NMLS 3087/ EQUAL HOUSING OPPORTUNITY/8055 EAST TUFTS AVENUE, SUITE 101/DENVER, CO

#579: Insurance Expert Breaks Down House Hacking Protection In 2025