In this episode, Roger is joined by Brian and Derek Boer of Boer Insurance Group. Together they explore the evolving landscape of risk and liability that today's homeowners face – and how insurance products like title insurance, identity theft protection, and umbrella policies fit into the picture. Their discussion spans real-world examples of unexpected lawsuits - from contractors falling off ladders to boating accidents and dog-related injuries. They explain why some policies are shrinking in coverage while premiums rise, and how factors like rising verdicts, emotional distress claims, and negligence standards are reshaping how liability is assessed. You’ll also hear insights into: • Why umbrella coverage limits are changing and how insurers assess risk • How lifestyle choices—like owning a boat, vacation home, or having teen drivers—increase liability exposure • When umbrella insurance kicks in and real-life scenarios that triggered claims • How courts calculate damages based on projected income, pain and suffering, and life disruption • The growing role of emotional distress and quality-of-life considerations in large legal settlements If you're navigating the realities of homeownership, this episode sheds light on the legal and financial exposures many people underestimate – and how evolving insurance tools may help manage them.