12.01.25 Homeowners- Are You Underinsured? / Designer Goods For Less

Summary

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The Clark Howard Podcast – Episode Summary

Episode Title: 12.01.25 Homeowners–Are You Underinsured? / Designer Goods For Less
Release Date: December 1, 2025
Host: Clark Howard

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Episode Overview

In this episode, consumer money expert Clark Howard steers listeners through the dangers of being underinsured as a homeowner given rising premiums and rebuilding costs. He delivers actionable tips to ensure your greatest asset is protected—even if it stings your budget—and discusses how higher deductibles can help manage premium hikes. In the latter half, Clark flips the script on luxury shopping and reveals how buying designer goods used, especially online, can score you major savings without resorting to fakes. The episode wraps up with rapid-fire mailbag questions on credit monitoring, child identity theft, 401k rollovers, 529 plans, and the risks of "pirate" streaming boxes.

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Key Topics & Insights

1. Homeowners Insurance Underinsurance Crisis

Segment starts: 00:50

• Clark highlights that homeowners insurance costs have surged across the US, but insurance coverage amounts often haven’t kept up with the soaring price of rebuilding homes.
• Main Point: Many homeowners mistakenly assume their policy will always cover full rebuild costs. Instead, most policies only pay up to your declared coverage amount—which may now be far too low.
• Clark:

  “A huge percent of us are underinsured because the cost of rebuilding homes has gone up so much along with the cost of building homes … Insurers used to just cover you for whatever it cost to rebuild it, but not anymore.” (02:00)

• He urges listeners to review their policy coverage and adjust it to reflect current rebuild costs—even if it means paying a bit more.
• For those who own their homes “free and clear” (without a mortgage—now at a historic 40%), Clark suggests raising coverage and offsetting the premium hike by also increasing your deductible.
• Important Note: If you have a mortgage, your lender sets the maximum deductible—never exceed it.
• Clark:

  "If you have a big claim, the first, so many thousands of dollars, whatever it is, you decide to self-insure. But the big money … you're fully insured for." (04:50)

Memorable Quote:

“You have it [homeowners insurance] because if your house has a catastrophe … you can’t afford that.” – Clark Howard (01:20)

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2. Scam Alerts and Listener Stories

Segment begins: 06:04

• Listener Jamie from Washington shares a story about a suspicious "county assessor" wanting to visit her home on a Sunday—turns out to be a potential scam.
• Clark's warning: Government assessors typically don’t make appointment home visits, and would never come out on a Sunday. This may have been an attempt at burglary or fraud.
• Clark:

  “Saying that somebody needed to come and you needed to be home meant somebody was going to try to gain entry into your home. And I’m glad … you took the time to share this, to warn other people.” (06:43)

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3. Credit Questions & Child Identity Theft

Segment begins: 07:45

• Credit Karma vs. Credit Card Issuer Scores:
  • Mark in California wonders if he still needs Credit Karma since his credit cards provide free scores.
  • Clark explains: Credit Karma isn’t as unique as it used to be—your card’s free FICO/VantageScore plus their free credit monitoring and improvement suggestions are the key differentiators, but it’s not a must anymore. (08:01)
• Child Identity Theft:
  • Christy in Georgia reports her two-year-old receiving credit card offers.
  • Clark's advice:
    • Sometimes innocent (e.g., if the child is a frequent flyer), but if generic credit offers appear, identity theft is likely—set up a child credit freeze with all three bureaus, which is a hassle but essential.

    “If it’s not the airline thing and it’s just UFO credit card solicitations coming … please do the work … to set up child identity freeze for your child.” (09:40)

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4. Designer Goods for Less

Segment begins: 13:56

• Clark shares his wife's (Lane’s) strategy for looking fabulous without spending a fortune by buying used luxury items online, and how the used market has exploded due to internet platforms like The RealReal and The Refined.
  • High-end clothing, accessories, even shoes and jewelry—all can be had for a fraction of retail cost, often in new-with-tags condition.
• Clark:

  “Every last item she wears … she buys used. And she buys a lot of higher end brands, but buys them everything she buys, she buys used.” (14:07)

• Key Insight:
  Luxury goods depreciate fast, meaning secondhand buyers win big—similar to buying a luxury car used instead of new.
• Warning:
  Beware of counterfeits, and carefully vet sellers’ return and authenticity policies.
  • Many sellers have strict, buyer-unfriendly rules—know their reputation.
• Memorable Moment:
  Clark describes watching an expert appraise Lane’s purse:

  “The guy was going through the purse like I could not believe … and knew so much about them. I don’t get it.” (18:12)

• He jokes about his own frugality:

  “I do break $10 on clothing items. Certainly not these shirts. These shirts are $8—more than I’d like to spend on a shirt.” (19:08)

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5. Mailbag: Financial & Consumer Questions

a. 401k Rollover Dilemma

• (20:40) Brandon in Ohio asks: Should his wife roll a $20k 401k into an IRA or cash it out to fund a move to Alaska?
• Clark's advice:
  • Never cash out—costly penalties and taxes erase gains. Roll the 401k into an IRA, choose a low-cost provider, and reinvest (target-date funds suggested).

b. Using 529 Plans for Roth IRAs & Intergenerational Wealth

• (22:58) Jason in Michigan asks if overfunding a 529 to later fund a Roth IRA for his kids (and maybe help grandkids) is sound strategy.
• Clark:
  • Yes, transferring up to $35k (current law) to a Roth works; leftover funds can be reassigned to future generations.

c. “Pirate” Streaming Boxes—Are They Legal?

• (24:41) Tammy in Oregon reports booths selling “one-time fee” boxes streaming 1000+ channels.
• Clark's warning:
  • These are usually illegal pirate boxes intended for content theft (sports, PPVs, etc.). Legit free streaming doesn’t require expensive boxes—just use a Roku or Smart TV app.

  “They really work and no, they are not legal. It’s a pirate box.” (24:56)

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Memorable/Notable Quotes

• On insurance:

  "You have it because if your house has catastrophe … you can’t afford that.” (01:20)

• On the used luxury market:

  “Luxury items generally depreciate at a much faster rate than traditional items. And the same is true in women’s fashion.” (15:40)

• On child ID theft:

  “It is a pain and a half … but worth going through the hassle to protect your child’s identity.” (10:33)

• On fashion frugality:

  “These shirts are $8. Those of you see me on the YouTube show, $8 is more than I’d like to spend on a shirt.” (19:08)

• Clark’s humor on expertise:

  “Who has less credibility talking about how to save money on high end fashion … than I do?” (18:03)

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Key Takeaways

• Check and update your homeowners’ policy—don’t gamble with underinsurance amid rising rebuild costs.
• Raising your deductible can help manage premium costs, but follow mortgage rules.
• Remain vigilant against scams—unusual visits and calls should always be verified.
• Monitor your (and your child’s) credit, and take swift action if something’s amiss.
• Do your holiday designer shopping “used”—luxury for less is easier and safer than ever, but avoid counterfeits.
• Beware of streaming boxes that promise the world for a one-time fee; stealing content isn’t worth the risk.

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Timestamps for Important Segments

| Topic | Timestamp (MM:SS) | |--------------------------------------------|--------------------| | Homeowners Insurance & Underinsurance | 00:50 – 06:04 | | Scam Alert – Fake County Assessor | 06:04 – 07:45 | | Credit Karma vs. Credit Card Scores | 07:45 – 09:09 | | Child Identity Theft (Credit Freeze) | 09:09 – 11:53 | | Designer Goods for Less (Used Luxury) | 13:56 – 19:00 | | 401k Rollover vs. Cash Out | 20:40 – 22:58 | | Overfunding 529 for Roth & Generational Wealth | 22:58 – 24:41 | | Illegal Streaming Boxes ("Pirate" Boxes) | 24:41 – 27:24 |

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For more money-saving tips, visit Clark.com and ClarkDeals.com. Submit your questions at www.clark.com/askclark.

Transcript

[A]

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[C]

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[D]

Happy Cyber Monday to you and welcome to the Clark Howard Show. You know, our mission is is to serve you with advice and information that empowers you so you make better financial decisions in your life. Hope you had an absolutely fantastic Thanksgiving holiday and spent time with people you love. Something many of us aren't loving, the cost of homeowners insurance. But there's something you may be overlooking and you're not going to like it. You may not have enough homeowners insurance. I'm going to add to your misery here in a minute. And also, do you have somebody on your holiday list who has a thing for luxury brands? Well, I want to tell you how hot it is now to buy luxury items cheap that aren't counterfeits. I'm going to fill you in on that later. So let's talk homeowners insurance. Why do you have homeowners insurance? Because you got to know that's not a good enough reason. Just because your lender on your mortgage says you got to doesn't mean that's why you have it. You have it because if your house has a catastrophe occur to it, catastrophic loss, you can't afford that. And that's what you have homeowners insurance for. Here's the problem, though, and this is why I'm pouring salt in the wounds. Because homeowners insurance premiums have gone up so much around the country and at the same time, huge percent of us are underinsured because the cost of rebuilding homes has gone up so much along with the cost of building homes. And insurers used to just cover you for whatever it costs to rebuild it, but not anymore. It's the rare insurer that says, don't worry about it, we got you covered. They only got you covered if you have adequately insured that home. And so I know what I'm saying that, I'm saying something that's so terrible to say that you're already paying this high premium. And if you peek at that policy, which most of us don't usually do, but if you got a written policy that comes to you, you have to look at it online, see what you're covered for for rebuilding it. If you know in your heart of hearts it's not close to what it would cost to rebuild your home, you got to contact the company or the agent you use and talk to them about increasing the coverage you have on that home. Now, 40% of people, there's never been a stat this high that I know of in modern times. 40% used to be 30. 40% of people right now own their homes free and clear, no mortgage. So if you're in that 40% and you're underinsured for the value of your home, what you can do is if you increase the coverage to make sure you're adequately insured, at the same time, you can raise your deductibles on the homeowner's insurance. And those two things should cancel out. So it means that if you do have a big claim, the first, so many thousands of dollars, whatever it is, you decide to self insure where you're your own insurance company, you're going to have to come out of pocket with that, you're going to have to cough that up. But the big money, that could be a major, major rebuild of a home or whatever it is you're fully insured for. But the problem with people being underinsured is quite large. Now, 60% of homeowners have a mortgage. Your mortgage company in the contract tells you how high your deductible can be. So you never want to raise the deductible if you have a mortgage above the limits the lender allows. But it's quite possible that even within those rules, you have your deductible below what they'll permit, raise it to what you're allowed to, and know that if you have a claim, you're hating me because you're having to come more out of pocket at the beginning of that claim. But then you know, you have peace of mind on the total size of the claim. And I know it's no fun what I'm saying to do, getting you to spend more money, but this is money well spent.

[E]

I got to do this.

[D]

Okay, well, you've already been through a homeowner's claim 16 years ago that came way out of pocket. So, yeah, so yeah, Please take care of that.

[E]

Jamie in Washington wrote into Clark with this one. I received a phone call from someone who said they were a county assessor and they were coming to my house on a Sunday and if I would be home. I was super confused as to why he was coming, and he said he needed to assess if any damage was done to my house. I told him I didn't order an assessor to come out, and he said he's from the county and needs to come on Sunday. I told him I was confused as to why he was coming and needed to call him back. He was very frustrated and said, okay. I waited for Sunday to see if anyone showed up, but nothing. I reached out to the county assessor and they said there wasn't anything in the system for my house and they didn't do house calls on Sundays.

[D]

Okay, Jamie, thank you for taking the time to share this. Because of the problem with all the scamsters, you smelled a rat and that's great. Now what's interesting is if they had said a weekday, you might not have smelled a rat, but it would be unusual for a county assessor to call like that and say they were coming because assessors usually are assessing only what's known as windshield or from the curb or they're using satellite imagery in some jurisdictions now. Saying that somebody needed to come and you needed to be home meant somebody was going to try to gain entry into your home. And I'm glad that nothing bad happened to you and I'm glad that you took the time to share this, to warn other people of what may be a new ugly way that people are gaining entry into people's homes, scoping it, stealing jewelry, who knows what.

[E]

Mark in California says. You keep talking about how great credit karma is. I currently get all the credit freeze the credit scores and information for free from all my credit cards. Do I really need to sign up for credit karma? What does it offer that my credit card companies do not offer?

[D]

Yeah, what a great question. Credit karma is not as valuable as it used to be because of exactly what you said, starting with Discover years ago. Now more and more lenders provide you. Usually it will be a FICO score. Could be a Vantage score that gives you a snapshot of how your credit's doing. What's the advantage of credit karma? I'd say a couple of things. One, if you're trying to boost your credit score, they do a good job of guiding you what things you can do that will raise your score. Second, you have the ability to have access to free credit monitoring with them. But again, they're giving all this stuff for free, including facsimile of two of your three credit scores. They give you two of the three, and so it's giving you a continuous readout that you could have from the credit card issuers. So it's more a question of do you want all the information in one place or not? There's not as much urgency to have a credit karma account as I think there used to be.

[E]

Okay. This is from Christy in Georgia. My 2 year old has been getting credit card offers in the mail. I haven't had time to freeze this credit yet since it's a more complicated process with mailing important documents to each of the credit bureaus.

[A]

Ugh.

[E]

She wrote that. Are these credit. I know. Are these credit card offers I'm receiving for him something I should be very concerned about? And if so, what are the steps? I need to immediately check to make sure no credit cards have been open under his name since he's a minor. I don't think credit karma would work for minors, does it?

[D]

No, the credit karma is not going to be of use to you in this case, Christie. So we ended up with two questions. Hitting credit on credit karma. All right, so how could a really young child end up getting credit card offers in the mail? There's an innocent explanation than one that's not innocent at all. So let's deal with the innocent one. If your 2 year old has flown a lot with you and you've been booking that child on flights and you're getting credit card solicitations for airline based credit cards, airline reward cards, then that's just something the credit card companies and airlines do, trying to grab onto new credit card customers. If it's not an airline based card kind of thing that's coming in and it's just general credit card offers, then I'm really worried that somebody's engaging in child identity theft, which is very popular with the criminals because you get a new clean slate identity stealing a child's ID information who has no file basically in existence. So if it's not the airline thing and it's just UFO credit card solicitations coming for your two year old, please do the work. And you have to do it three times because the credit bureaus are like that. You need to set up child identity freeze for your child. With all three bureaus, it is a pain and a half because you can't just do it online. You got to submit a lot of documents and it takes a while, but worth going through the hassle to protect your child's identity. Coming up ahead, if you have someone who loves designer this, designer that, designer the other and you got them on your nice list, you got to buy them a gift for Christmas. It's gotten a whole lot easier to buy those items cheaper. Now I want to talk about it.

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[D]

So I can learn so much from my wife, Lane. One thing is she dresses so fashionably every time you see her. I mean she's just really beautifully dressed and so put together. And I'm just me in my clarkiform. And you'd look at how Lane dresses any day and you'd think that she has spent the entire wealth of her country just buying wardrobe. But the reality is every last item she wears almost down. The last garment she has, she buys used. And she buys a lot of higher end brands, but buys them everything she buys, she buys used. From accessories to shoes to clothes to jewelry, all used. And this has become, because of the Internet, a huge thing. And years ago I talked about the realreal, which has gone through a very troubled cycle, now has come out of it doing well again, and has a lot of competitors. Lane is obsessed with used items reseller called the refined, which I think is from Seattle. And there are lots of these outfits and there are so many people who would never consider buying a used item. And that's created this big marketplace for higher end goods geared towards women. And I don't think unless you know the individual is on your nice list, is somebody who would just be upset that you bought them a used item from one of these used high end sellers. You could really get them something really nice at a fraction of the cost of what it is new. I mean, think about what happens with luxury automobiles. The people who buy a luxury automobile pay a fortune for it. The second owner of that vehicle benefits from all the depreciation because luxury items generally depreciate at a much faster rate than traditional items. And the same is true in women's fashion. So buying items that are new to you but use because they belong to somebody else is really a smart way to save money. I can't even tell you how many times Lane will buy from one of the used sellers and the item comes in new tags in the garment that the person who bought it, spent a ton for it, never wore it, and then gets for it whatever they can because even though it was never worn, it has to be sold used. A lot of these sellers have very customer unfriendly policies that you buy an item and it's sold to you not as represented, then you're likely still stuck with a lot of sellers. So you got to know the reputation of the used seller, you're buying from something else. Counterfeits. Counterfeits are a big problem in fashion and counterfeits are not as present as they used to be. But if you buy from a seller that doesn't guarantee the right to return. If later you discover that an item they've sold you is counterfeit, then you got to know buyer beware. And can you believe that I just talked about high end fashion. Who has less credibility talking about how to save money on high end fashion.

[E]

Than I Do well, the person you're closest to in the world, she knows what she's doing. So I think that.

[D]

So I've learned by osmosis.

[E]

You have, you have.

[D]

Okay, so I went with Lane recently when she was selling a purse, a high end purse at a used store. And you have to make an appointment and you're sitting with somebody who's an expert. They're specialized and whatever. And the guy was going through the purse like I could not believe and knew so much about them. I don't get it. I don't understand it. But what was funny was watching Lane and the guy talk back and forth about styles and model numbers and all this stuff. And I'm like, really? Just looks like something you put your stuff in and you carry around if you're a woman. Okay, you're not into that stuff. Are you that designer?

[E]

I mean, I, you know, I love clothes, but I. I spend my money elsewhere, for sure. And too much of it elsewhere. All right, Brandon.

[D]

And, well, you know, occasionally I do break $10 on clothing items. Certainly not these shirts. These shirts are $8. Those of you see me on the YouTube show $8 is more than I'd like to spend on a shirt. But these were eight. But my pants were 1199. Wow. I know double digits.

[E]

I like. I do a lot of. I like Target. I love Marshalls and TJ Maxx. You know, it's kind of fun to kind of go through the racks and find stuff. And I have been hitting some thrift stores lately looking for stuff. It's just harder to. I mean, I really struggle going through those rocks sometimes. They're so packed and it's just hard for me to, you know, I'm not, like, really good. Like, Lane is about, like, picking out, having such an eye for things, for diamond in the rough.

[D]

So she does have that. So I gotta tell you a funny thing. So Wall Street Journal does this thing called Buy side where they're trying to make money from recommending that people buy this set or the other and they'll do these things. I love looking at them, knowing I'm never buying anything from anything they recommend. But it'll be like bargain cashmere sweaters for men. And what they consider to be a bargain is at least one extra zero from what I'm used to. And that's the way it is. Anything the. The market that the Wall Street Journal is trying to sell to with the Buy side, it's people who. Who value money a whole different way than I do.

[E]

All right, well, let's go to some questions from the Clarkeys. Brandon, Ohio sent this one in and said my wife worked for a company for roughly four years. She left that job and works elsewhere now. Her current job does not offer a 401k. We are planning to move from Ohio to Alaska in 10 months. Should we roll her 401k over into an IRA or cash it out? Cash it out for the move. Ooh, she has over $20,000 in this 401k. Here's some additional info. She's only 29 as of now. Will be 30 by the time we move.

[D]

Okay, so first of all, great news that enter 20. She has 20 grand.

[E]

Yes.

[D]

In her 401k. Don't blow it by using that money for the move because you have to pay 10% penalty plus what's known as ordinary income tax. That's ugly taxation and so you have the right to leave it at the old employer's 401k. But if it were me, especially with the move to Alaska, I would go ahead and move it from that old employer's 401k into her own IRA with one of my low cost children, Vanguard Swap or Fidelity. And make sure once the money moves that it's reinvested. A lot of times people do these 401k rollovers into an IRA and they never get around to investing the money. So very important that go into like just go into a target retirement fund for the year closest to when your wife is expecting to retire. I know the temptations there to spend the money but really your wife worked so hard in her 20s to save this 20 grand. I want it to be there for her to grow over the years, figuring that it might double in value every 10 years, even never putting another dollar into it. But she does want to put more dollars into it. I want that money to create financial security. And by the way, Brandon, you and your wife are a lot tougher than I am. I love Alaska. Been many times I could not do winter in Alaska.

[E]

Jason in Michigan says I really appreciate the show and often learn something I can take action on at least a few times a week. My question is about overfunding a 529 for two purposes. One, to be able to fund a Roth for my kids ages 6 and 15 and 2, to at least in part fund their future generations educational expenses. Have you seen this in practice and what are the concerns or pitfalls? Is this an efficient way to pass on some generational wealth?

[D]

Yeah, actually Jason, it is a potential strategy. So you put money in the 529 and the money that you put in is more than will be needed for your child's college education. You then can transfer the amount that today is 35 grand into tax free into a Roth IRA for your 6 year old and 15 year old and they're able to have a big head start on saving for retirement. And then yes, you could also change the beneficiary designation to someday having a grandkid and change what's left in the account to benefit of a grandkid. All those things work as you'd like each day. And then the only question I have, you had Brandon from Ohio, this was Jason from Michigan. We got a Ohio State, Michigan rivalry right here.

[E]

Guess so.

[D]

Maybe so.

[E]

No, the Clarkies all get along all right. Tammy and Oregon, I don't think, I.

[D]

Don'T think Ohio State and Michigan fans get along, Krista.

[E]

I think they do.

[D]

I don't think so. Go ahead.

[E]

Tammy and Oregon says, I was at a home show recently and saw a booth selling boxes for streaming TV without monthly subscriptions. A one time purchase gets you access to 1000 plus channels. Do you know if these really work and are they legal?

[D]

They really work and no, they are not legal. It's a pirate box. And I'm shocked to know that at a home show somebody rented a booth to somebody selling pirate boxes. My goodness. Usually these are ordered through sketchy websites.

[E]

And sometimes though they are boxes that just pull, pull in free streaming channels that are available to any of us online already. Like free over the top TV channels. Have you seen OTTs? Yeah, yeah, yeah. Well and so that's not worth the, the money because you can just do that.

[D]

Yeah, so there. So we're talking about fast free ad supported television which is the fastest growing part of streaming. You don't need a box for those. They work right through your smart tv. And there's more and more content available through the fast services. They're ad supported. They are legal. These boxes when I automatically went to. I know because being a pirate box because these are used principally for people to be able to steal sports content, to be able to watch sports content and to watch the fancy fighting, the, the ultimate fighting kind of things that have the very expensive pay per views, they may be stealing those through the pirate boxes. So this is not a normal okay. Kind of thing because yeah, you can steal programming but no, it's not legal.

[E]

So and this one is, I'm looking at it because I found it on some websites as well. It's basically yes, it Just pulls in. It can turn your TV kind of into a. Oh, so if you have.

[D]

A dump tv, it turns into a.

[E]

Smart tv, but it's very expensive. Yeah, I don't think it's worth it. You could get a Roku streaming device.

[D]

Yeah. You get a Roku for 15, 20 bucks.

[E]

Yeah.

[D]

This thing's $329.

[E]

Yeah.

[D]

I will. I will predict that that is used to steal content. By the way, I'm curious. You were on a major site. Was that a third party seller or was that the online seller itself?

[E]

Third party.

[D]

Yeah, there we go. So it's just like we're talking about the booth at the show. It's a third party seller.

[E]

What?

[D]

We didn't know. We didn't know. You know, I'm always curious how things slip through whatever processes the big online sellers have that things end up being sold there that are pirate devices. Okay, well, I hope that you are finding steals of deals today on Cyber Monday. And today really is the end of the best sales for the Christmas season. I mean, November is the super bowl of bargains. Black Friday month carrying through today being Cyber Monday is really the end of the great, great deals. But there will still be bargains ahead selectively. It's harder though, in December to save money. But we're on it. We're on the [e-mail] doing everything we can to bring you what we curate and believe and vet are really, really great deals. So know that it's all part of what we do, saving you more so you spend less and avoid getting ripped off. And we'll see you on Wednesday.