In this episode of Doctor’s Eyes Only, host Lauren Oschman, CFP®, CDFA®, and CEO of Vestia Personal Wealth Advisors, sits down with Doug DeShong, an experienced insurance agent who specializes in working with successful families. Together, they break down what doctors need to know about homeowners insurance, how to understand policy documents, and the risks of being underinsured—especially in light of growing natural disasters across the U.S.
Doug shares insight on how policies are structured, what the “Coverage A” amount really means, and the difference between replacement cost and actual cash value—a distinction that can make or break your ability to recover financially from a loss.
They also discuss how physicians can better prepare for claims by documenting home inventory, how to know if your coverage is outdated, and what proactive steps to take if premiums spike or coverage is dropped.
🔍 Topics Covered:
• What Coverage A means and why it matters
• The difference between replacement cost and actual cash value
• Understanding extended and guaranteed replacement coverage
• Why it’s important to have an agent—not just a 1-800 number
• How to document a home inventory
• When to reevaluate your homeowners policy
• Insurance strategies for high-value homes and collectibles
• Tips for managing rising premiums and deductibles
🎯 Designed For:
Physicians buying or owning homes, doctors with valuable assets, and anyone who wants to feel confident about their insurance coverage.
📩 Resources Mentioned:
• For a policy review or second opinion, contact your Vestia advisor
• Reach out to Doug DeShong for personalized insurance support by email at
• Learn more about physician financial planning at www.vestia.com
⸻
🔎 SEO Keywords for Discoverability:
• Homeowners insurance for doctors
• Replacement cost vs actual cash value
• Insurance planning for physicians
• Protecting your home from natural disasters
• High-value home insurance
• Financial planning for doctors
• Physician insurance advice
• How to file a homeowners insurance claim
• Inventory checklist for insurance claims
• What coverage do I need on my house
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