The Walters Agency Podcast

 Is It A Bad Idea to Cancel/Reduce Coverage During the Holidays to Save Money?

Holiday stress hits hard, and the urge to cut insurance for quick savings can feel tempting. We’ve seen how that story ends, and it’s not with a bigger gift budget. Tim Walters, a licensed agent who’s guided clients since 2012, explains why canceling or reducing coverage during peak travel season is a costly gamble: more cars on the road, more distraction...

A Real Estate Agents Perspective on Insurance: Meet Bill Grady with RE/MAX

Buying a home should feel exciting, not chaotic. We sat down with Nashville-area real estate broker Bill Grady to unpack the overlooked force that can make or break your closing: homeowners' insurance. From the first walkthrough to the clear-to-close letter, we trace how premiums, deductibles, and roof conditions ripple through your monthly payment and y...

What Is Cyber Insurance Protection And Do I Need It?

Your data isn’t just files on a server—it’s the lifeblood of your business and household. When attackers lock systems, drain accounts, or leak client information, the real cost goes far beyond the initial hit. We break down what cyber liability insurance actually does, why small businesses are prime targets, and how families can use homeowners endorsements to recover from identity...

What Is Premium Life Insurance?

Think life insurance is just money your family gets if you’re gone? We flip that script by breaking down return of premium term life insurance—coverage that protects your loved ones now and returns every dollar of premium if you outlive the term. It’s simple, clear, and powerful for people who want a big death benefit today and a guaranteed lump sum tomorrow.

We walk through the nuts and bolt...

 How Does Personal Liability Coverage Protect Homeowners?

A birthday song, a crowded deck, a sudden collapse—no one expects a normal gathering to turn into a liability nightmare. That story anchors our deep dive into personal liability umbrellas and why they’re one of the smartest, most affordable ways to protect your home equity, retirement savings, and future income from lawsuits that leap past standard policy limits. We walk thro...

How Does Insurance Impact The Real Estate Business? 

Closings don’t fail at the kitchen island—they fail at the roof. We pull back the curtain on how insurance actually drives real estate timelines, approvals, and final numbers, from the first lender requirement to the binder that gets your deal across the finish line. With Timothy Walters of The Walters Agency, we unpack the differences between replacement cost and actual cash valu...

What Should We Know About Misleading Insurance Advertising On Social Media?

Ever wondered why those $35/month insurance ads seem too good to be true? Spoiler alert: they absolutely are. In this eye-opening discussion, Timothy Walters tackles the growing problem of deceptive insurance marketing on social media platforms and reveals what's really happening behind those clickbait offers.

The conversation centers on one pa...

What Is Pet Insurance And What Does It Cover?

Ever found yourself facing a staggering vet bill and wondering if there's a better way? That's exactly what we explore in this candid conversation about pet insurance – the increasingly popular option for protecting your furry family members without emptying your savings account.

Timothy Walters brings his insurance expertise to bear on this emotional topic, acknowledg...

What Are The Possible Benefits Of Bundling Multiple Policies?

Timothy Walters reveals why insurance companies are so eager to bundle your policies and whether this strategy actually benefits you as much as it benefits them. We dive deep into the mechanics of insurance bundling, exploring two distinct approaches that most consumers never consider when shopping for coverage.

The conversation uncovers the difference between ca...

What Are Some Common Insurance Myths Or Misconceptions That People Should Be Aware Of? 

What if everything you thought you knew about insurance was wrong? Timothy Walters, licensed insurance agent and owner of The Walters Agency, tackles the most persistent myths that trip up consumers when shopping for coverage. We dive deep into why insurance agents ask so many detailed questions during applications, and it's not because they...

Recently, Premiums Appear To Be Going Up Across The Board - Why Is That Happening?

The mystery of skyrocketing insurance premiums finally explained! Licensed insurance agent Timothy Walters cuts through the confusion to reveal why your coverage costs keep climbing—and no, it's not just your agent trying to squeeze more money from you.

Behind every premium increase lies a complex web of economic forces. First, there&apo...

What Factors Affect My Insurance Premiums And How Can I Lower My Costs?

Rising insurance premiums have many of us scratching our heads, wondering what's behind the increases and if there's anything we can do about them. Timothy Walters, licensed insurance agent and owner of The Walters Agency, breaks down the hidden factors affecting your rates and offers practical solutions to help manage costs.

Many consumers fa...

What Are Endorsements On Insurance And How Are They Valuable?

Your standard insurance policy might be leaving you dangerously exposed without you even realizing it. Discover the critical coverage gaps that could cost you thousands and how simple endorsements can provide the protection you actually need.

In this eye-opening discussion with Timothy Walters, we dive deep into the world of insurance endorsements – those optiona...

Let's Talk About Small Business Insurance

The protection of your small business shouldn't be an afterthought—it's the foundation that allows your entrepreneurial dreams to flourish. Timothy Walters, licensed insurance agent and small business owner, dives deep into the essential coverages that shield businesses from increasingly complex threats.

Most small business owners focus primarily on profitability and ...

How Deep Are Your Pockets? Examining Changes In Deductibles

Rising insurance deductibles are reshaping how we protect our homes and property – and most people won't notice until they're filing a claim. Timothy Walters pulls back the curtain on this important trend that directly impacts your financial security.

Remember when $500 homeowners insurance deductibles were common? Those days are gone. Now, $2,500 minimum...

What Is Life Insurance And Why Should You Have It?

Death is inevitable. Financial hardship for your loved ones doesn't have to be.
Timothy Walters dives deep into the world of life insurance, offering a refreshingly honest look at a subject many people avoid discussing. Drawing from his decade of experience helping families through the claims process, Timothy explains why life insurance isn't really for you—it's ...

What Are The Most Important Factors To Consider While Shopping For Roof Insurance?

Your roof is your home's first line of defense against nature's fury, but do you know if your insurance policy truly has you covered? Timothy Walters of The Walters Agency tackles the critical differences between replacement value and actual cash value coverage that could mean thousands of dollars out of your pocket after a storm.

&...

What Is Flood Insurance, And How Does It Differ From Homeowners Insurance? 

A dangerous misconception could leave your home completely unprotected when disaster strikes. As Timothy Walters reveals standard homeowners insurance policies simply don't cover flooding—a harsh reality many East Tennessee and Western North Carolina residents learned the devastating way after Hurricane Helene.

"We all live in a flood zone...

Why Is Having The Right Coverage Important?

Protection isn't automatic when you purchase an insurance policy—it's defined by the specific terms, provisions, and exclusions within your contract. Timothy Walters draws back the curtain on this common misconception that leaves many policyholders vulnerable to unexpected out-of-pocket expenses after a claim.

The podcast explores how different life situations require ta...