In this episode, we are taking a much closer, fascinating look at home insurance and the way that you can protect your home should disaster strike. But first, as usual, we start off with a little bit of news. Tom and Ron talk about a survey regarding the lack of knowledge most buyers have regarding closing costs — and Tom reads them the riot act.

Strong El Nino conditions in the Pacific Ocean are causing a lot of discussion by local and national news and governmental agencies urging residents to consider purchasing Flood Insurance even in low to moderate risk flood areas.