We have Kitten & other greats on the show!

Interesting & sometimes wacky guests on this episode!

Episode Transcript

Speaker 1 (00:00):
When it comes to real estate, everything matters whether you're
a broker, real it's or homeowner, buyer or seller. For
informative and entertaining information when it comes to owning, buying,
and selling real estate, tune in Sundays at five pm
to Real Estate Matters with Stewart Title, broughts you by
Stuart Insurance.

Speaker 2 (00:17):
The views and opinions expressed by the participants on this
show are not necessarily those of Stuart Information Services Corporation,
Stewart Title, or Stewart Insurance. Before you make any investment,
you should see the advice of your investment advisor or attorney.

Speaker 3 (00:30):
Whether you're a real estate broker, realtor homeowner, buyer or seller,
Everything matters when it comes to real estate. This is
Real Estate Matters with Steward Title. Steward Titles. Bill Nabik
and guests open the door to what really matters in owning, buying,
and selling real estate. And now Real Estate Matters with
Steward Title, brought to you by Stuart Insurance. Here to inform,

(00:54):
entertain and inspire. Bill Nebik, Welcome to the show.

Speaker 4 (00:58):
It is Real Estate Matters with her title. I'm your host,
Bill Nampick We appreciate you joining us right here on
show number five sixty one. Simply go to Stewart dot
com Forward Slash Radio in case you want to see
the show. As we make a YouTube video. To Stewart
dot com Forward Slash Radio, you can see this show

(01:18):
all the past shows for several hundred shows. So let's
get down to business right now and talk to some
amazing real estate professionals. We're going to start off with
Kitten Leopold. Her company is Leopold and Strahan. Kitten, Welcome
to the show.

Speaker 5 (01:35):
Hi Bill, Well, I'm Kitting Leopold. So last time I
told you how I got my name, which was mom.
Dad's name was Kent. Mother's name is Jane, so Kitten
Jane was my godmother was from Boston.

Speaker 6 (01:46):
So she's like, Kitten Jane's going to do this, Kitten
Jane's going to do that.

Speaker 5 (01:49):
Well, I got a new cute story to tell you.
So I beat a guy named Michael and he says,
my name means gift from God, and I go, oh, really,
you know what kitten means?

Speaker 6 (01:57):
And he's like no, And I was like small domestic animal.

Speaker 4 (02:00):
That sells real estate, that sells real estate, that's the
that's the punch line.

Speaker 6 (02:06):
Yeah, that sells real estate.

Speaker 4 (02:08):
Well, let's tell people about the company. It's Kitten and
straighthand Leopold and Straight Hand, Geipold straight Hands.

Speaker 7 (02:13):
Yeah.

Speaker 4 (02:14):
I was thinking Kitten and straighthand would also be a
plan b right.

Speaker 5 (02:18):
So Leopold and straight Hand. So straight it was my
married name and Leopold's my maiden name. But Leopold meant
brave people and straight Hand meant from coastal community. So
when I named my company was brave people from coastal community.
So I have Leopold straight Han Realty Group, and I
have Leopold and Straight Hand Property Management, and I manage
about nine hundred and fifty nine units and spanning over

(02:42):
five counties. And then I have twelve agents, twelve excellent agents,
and we kind of multitask, especially in this new market.
So I got the opportunity to do it's ten thousand
small businesses. It was with Goldman and Sacks. It's for
minority and women owned businesses, and so gave me a
new perspective. If anyone wants to apply for that, I

(03:04):
do recommend it. They say it costs about one hundred
thousand to send an applicant through it.

Speaker 4 (03:08):
Well, let's kind of back up as far as real
estate goes, we don't really have the opportunity here to
talk about property management right there. That could be a
show on its own. Give us a word on you
said nine hundred properties your company is managing.

Speaker 6 (03:22):
So I specialize it.

Speaker 5 (03:23):
Yeah, I specialize in investment properties, which I got into
the business in two thousand and six, which was right
before the recession came, so I started doing short sales
and foreclosures. Well, over the years, it's evolved. And now
what was interesting in my business plan, I projected that
small commercial multifamily, which a lot of people don't realize

(03:45):
that over four units is considered commercial and multifamily, that
they bought at the top of the market. If they
bought at the top of the market, it's time to restructure.

Speaker 7 (03:53):
The loan.

Speaker 5 (03:54):
Interest rates are going up, insurance has gone up. Insurance
and taxes on the people in island have gone up
over thirty percent, and so you're going to see a
lot of the airbnbs with inflation. You know, they've increased
the interest rates to slow down inflation, but it's the
flow of money, you know, you have to have the
flow of money. So wealth is actually created when you

(04:17):
do opposite of everybody else, honestly, So don't sell, does sell?

Speaker 6 (04:21):
Don't sell? It's a buyer's market. Go by.

Speaker 4 (04:25):
Well, as far as the handling and managing nine hundred properties,
gives an idea, how does that work and what's involved,
because that seems just as I'm hearing get and I
think the listeners too, that seems like a massive job
because with nine hundred units, there's always something that might
be going wrong right, or there's a lot of calls.
So what are the some of the mechanics. Just briefly,

(04:46):
so it was cute.

Speaker 6 (04:47):
I was on here two years ago.

Speaker 5 (04:48):
I kept telling you as a unicorn finder, Well, unicorn
is if you are a people person and a numbers
person and you had a hard work that got thick,
you need to hire that person.

Speaker 6 (04:58):
And if they're really good you maybe I want to mirror.

Speaker 5 (05:00):
I guess it is very rare, but I'm departmentalized, so
I have twelve employees, and I have inspectors, assistants, maintenance
supervisors and so basically systems and procedures that everyone does
their part. And Brian Beffini's one of my mentors. He
says one plus one equals eleven. Well and Dale Carnegie.

(05:23):
What did he say? I'd rather have one percent of
one hundred people's effort than one hundred percent of mine.
So that's they just perfect what they do. They go out,
I send out my inspectors. We analyze. But what's unique
is straighthand I was married into an insurance family. Is
I help people all the time try to lower the
taxes or lower their insurance. I've gotten a steak dinner

(05:45):
just recently. I lowered it from seven thousand to seven
hundred out on the West End.

Speaker 6 (05:51):
So it's all about is what is it? Not what
you make, it's what you save. And you make the
money on the buy.

Speaker 5 (05:58):
So if the interests are go up, everything went on
sale buy by.

Speaker 4 (06:03):
So as you said, though systems and procedures and in
property management, that's twenty four to seven. So someone is
going to be calling correct. So interesting. Now let's go
to buyers and sellers your company, and you are helping
buyers and sellers with just buying and selling real estate.
Give us an idea geographically where you're doing most of
your work.

Speaker 5 (06:22):
Okay, I specialized mainly in galveson County's southern Harris County,
especially since I know windstorm and flood. Really well investors
right now, the twenty six percent of the deals were cash,
which really, you know, I know.

Speaker 6 (06:39):
There's two schools of thought.

Speaker 5 (06:40):
There's some people that have want no debt, but really,
if you leverage and use your cash wisely, even if
you borrowed the money, Let's say you borrow the money
at six percent. If you divide up, let's say you
have one hundred thousand dollars and you've bought four properties
instead of buying one property for one hundred thousand cash,
you have appreciation and cash flow that are growing. And

(07:03):
it was sad I was listening to like the bold
predictions and we're squeezing out the young buyer and the
young investor because they say the average family is starting
out at twenty seven years old and they're not buying
till they're thirty eight. Well, if ninety five percent of
most Americans' wealth is in their home or the real

(07:23):
estate they own, with the two things going on, that's
a whole decade of renting. You know, I don't want
a rental generation. Well, first of all, who's.

Speaker 6 (07:33):
Going to own it?

Speaker 5 (07:34):
And maintain it and manage it. And they call it
the silver Tsunami. The average age of the sellar last
year was sixty three years old. So if they're not
buying till they're thirty eight, and our sellers are retiring,
where's the middle. We're squeezing out the middle. And that's
who I want to help, That's who I'm dedicated to
help is young people.

Speaker 6 (07:55):
You can buy.

Speaker 5 (07:56):
You do have the resources, there's the Southeast Taxi ex grant.
You just need to get with the right agent that
can guide you.

Speaker 4 (08:03):
So you're helping a lot of first time buyers. It
sounds like first.

Speaker 5 (08:06):
Bars and first time investors. I've got a young agent
that he just started with being college wasn't for him,
and he's already bought his first investment property. I was like,
if I had knew and at eighteen and I could
have bought my first investment property, I'd be so far ahead.

Speaker 6 (08:20):
I go.

Speaker 5 (08:21):
You just have to have courage.

Speaker 6 (08:22):
It's about courage and confidence.

Speaker 4 (08:24):
And as far as Galveston goes, what kind of activity
is going on in Galveston right now? Because you're there
quite a bit correct.

Speaker 5 (08:31):
Yeah, So last year election years are always like this
I've done it twenty years. Every election years, there's this
collective fear. Nobody knows who's going to be in charge.
And the reality is, it doesn't really matter who wins
the election. I'd rather have a distinctive winner, you know,
distinctive winner. But they just don't know who's going to

(08:52):
be in charge, who's going to be our president, what's
our economy. Well, it's so funny when I watch investors.
Anytime you let fear or greed guide you, you've messed up.
If you don't let confidence and competency guide you, then
you're on the wrong track. And then we had a
really bad thing happened last year as far as real estate,

(09:13):
and it's always been this way. The NAR declared that
the buyer's agent, which before you know FHA and VA,
that you couldn't pay as a buyer, you couldn't pay
a real estate commission. You paid the listing agent. And
then she shared or he shared his part with the
buyer's agent. Well, now there's this all this confusion because
they've made this change. Well now they can. So let's

(09:35):
say you have a buyer's up for three percent and
the seller's offering two and a half. Sometimes it's only
five or seven hundred dollars that you could put in
closing costs. People were just not thinking outside the box.
It's always been negotiable, everybody. It's always been negotiable.

Speaker 4 (09:49):
We're talking with Kitten Leopold, with Leopold and straighthand Kitten.
Before we close this segment, what else do you want
people to know?

Speaker 5 (09:58):
The most important thing you need to know as an agent,
and you have to have a servant's heart. You're gonna
make the money. To quit worrying about money, the commission
will come. I had a really interesting story. It was
a family that they bought a house. He didn't have
guaranteed over income. He offered full price, got it. He
had two special needs sons. The seller heard the story,

(10:21):
the listing agent heard the story, the mortgage person heard
the story.

Speaker 6 (10:25):
We all came together.

Speaker 5 (10:26):
We had to close a gap of twenty thousand dollars
between all of us working together, and even the daughter
who was an insurance agent, getting the insurance down from
seven thousand to seventeen hundred. We were able to get
that family in a home. And that's where I want
to encourage. That's the American dream I want to help
young families, young investors.

Speaker 6 (10:45):
Yes you can, Yes you can. You have enough.

Speaker 5 (10:48):
You just got to get with a seasoned agent that
is competent enough to help you get and realize the
American dream.

Speaker 4 (10:55):
There you go, buy now, right, Kitten. Let's tell people
how they can reach.

Speaker 5 (10:59):
You eight three two six four one four two six one,
or you can call my office on the island.

Speaker 6 (11:04):
It's four o nine nine four ones zero zero one zero.

Speaker 5 (11:08):
You can get talk to Kyle or Evan or Colin
and we're happy to help you. Leopold and Straight Hand
Realty Group A three twos six four one four two
six one.

Speaker 4 (11:17):
Thanks for being with us, Kitten.

Speaker 6 (11:19):
Thank you.

Speaker 4 (11:20):
As we continue, let's talk to Gabe Savadra. He is
with Griffin Realty Group. Welcome to the show, Gabe, thanks
for having me on. Awesome, good to see you. First
of all, Griffin Realty Group, give us an idea geographically
where you're located.

Speaker 8 (11:35):
So our office is in wood Forest. I personally grew
up in the Woodlands, so did one of my team members,
Joel Christy also grew up in the Cypress area. But
really we service the whole Montgomery County area. Our specialties
are really Magnolia at the Woodlands and wood Forest. That's
really where we like to say. Lake Conro is not
far from our office, it's about ten minutes, but we

(11:56):
always like to say we live there, work there, and
play there. And the three main areas would be Magnolia,
wood Forest, and the Woodlands.

Speaker 4 (12:03):
And right now, it seems like a lot of the suburbs,
if not most here in the Houston area are very popular.
But when we talk about the area that you're talking
about Montgomery Woodlands and that, it's like you're really enjoying
a lot of people in a lot of business right now. Yeah.

Speaker 8 (12:19):
Well, wood Forest is actually one of my favorite areas
in North Houston. If any of you have been up there,
it's nothing but a bunch of what I would qualify
as young business owners. And it's really cool to see
because as a business owner myself, you get to see
all these people that us at the Griffin team we
believe in working hard and then we play even harder.
To answer your question, yes, wood Forest is awesome. Montgomery

(12:42):
County is the fastest growing county I want to say
in Texas. Definitely, not in the nation, but in Texas
it is.

Speaker 4 (12:48):
And for those listening outside of Houston, as a lot
of people do on the internet. When we talk about
the Woodlands and wood Forest, we're talking about the northwest
of Houston, correct, correct, So, and Montgomery County. Montgomery's a
city on its own, but yet it's a county. Sometimes
that's confusing a little bit.

Speaker 8 (13:07):
It is confusing. That's why I always say you have
to have a good agent that can determine where you're at.
For example, the Woodlands has a separate village. It's Creekside Village,
which I was actually talking to somebody on the phone
before I came in here about Creekside and it's technically
Harris County, but it's part of the Woodlands. So's it
does get really confusing. But yes, Montgomery is its own city.

(13:31):
It's a great city. And then there's Montgomery County, which
is much larger. It's all encompassing of you know, Conroe,
wood Forest, Magnolia, the Woodlands, just to name off a few.

Speaker 4 (13:42):
And you're talking about getting an awesome agent, you mean
someone like Gabe Savadra. That's you, that is me. So
at this time, Gabe, are you helping more buyers or sellers?

Speaker 8 (13:51):
So the way we run our team at the Griffin
Team is we have everybody has their own separate thing
they do, so I only work with buyers as well
as Christy Griffin. Joel does work with our sellers. And
Joel and I have partnered up recently to start working
with a lot more investors. With Montgomery County being the
largest growing county in Texas. We've found that the rental
market out there has been outstanding for not only the

(14:15):
biggest thing with investments is everybody wants to say that
we're gonna get into real estate and we're going to
cash for like crazy, and you might be able to
in certain areas. Maybe in Harrison County, it's not impossible.
In Montgomery it's just a lot steeper of a battle.
But what we're really focusing on is building generational wealth
through gaining equity in that home that you don't have
to pay for. Does that make sense? So we're having

(14:37):
a renter go in there and pretty much pay what
your mortgage note is. So that's been great for us.
I personally, Joel has his whole finance degree. I'm actually
going to school to get my MBA right now. But
numbers is one of my favorite things and if I
can intertwine it with what I do daily serving people,
it's I don't even feel like I work.

Speaker 4 (14:57):
So it sounds so you're doing a fair amount with investors.
It also sounds like with buyers too that just want
to buy a home and so forth at this time
when you're especially if you're focusing on buyers. Each case
is different, I know. But when you work with, say
the case study in one of the buyers that you're
helping with, how many properties do they look at before

(15:18):
they finally say, Okay, this is the one or it's
the one that's available. So how long does it take
to get that home for a buyer?

Speaker 8 (15:25):
Great question. I will tell you this. I do a
lot of consulting on the front end. There's a reason
why we charge what we charge, and the biggest reason
for that is to make it as easy as possible.
I have just for example, I met with a client
that he and his wife have both bought seven homes combined,
and they just moved in from Waco. They were really
stuck on being in a new build. They wanted a

(15:46):
specific new build. The only thing was there wasn't really
much of that close to their work, and they wanted
to be within a certain radius of where they work,
and so through consulting with them, we consultant on Friday,
which that took about two and a half to three hours.
We went to go and look at six homes and
they're ready to make an offer. So we believe in
doing a lot of the grunt work on the front

(16:06):
end to make it so much easier going out and looking.

Speaker 4 (16:09):
So okay, they looked at only six homes and I
found the one they wont.

Speaker 8 (16:13):
Matter of fact five because funny story, I walked into
a house and the lady was sleeping on the couch.
Now I have showing time. Correct, they're showing time, showing smart.
It's not old school where you have to go to
the other brokerage and get the key and then it's guesswork.
Now it's you confirm a showing through via online. They'll

(16:34):
send you a confirmation code or like a confirmation like
receipt and then you'll go to the house and you'll
have an access code. Right, So we walk in and
it's the first one, of course, the first one they
get to see with me in Houston and knock on
the door, walk in and the lady is asleep on
the couch.

Speaker 4 (16:50):
We don't have a showing.

Speaker 3 (16:51):
We don't have a showing.

Speaker 8 (16:53):
So really we saw five? Yeah, we saw five.

Speaker 4 (16:57):
So did they buy that house or one of the other?

Speaker 8 (17:00):
No, No, they're very interested in one of the other five.

Speaker 4 (17:03):
Okay, well that's awesome. Yeah, So there you go. As
far as real estate, before you even got in the profession, Gabe,
what was it about real estate that was the allure
where you said, this is something I want to be doing.

Speaker 8 (17:14):
In all honesty, Initially getting in it was the capability
to make as much money as you want while having
as much time as you want, diving even deeper Friday especially,
But in all of my consultations, I just grow a
lot more closer and intimate with what I do because
I'm able to change somebody's perspective, somebody that's bought seven homes,

(17:35):
and at the Griffin Team, our whole motto is simply
exceeding your expectations and redefining the real estate experience. So
the fact that I was able to do that for
somebody that had already purchased seven homes is what draws
me so close to it.

Speaker 4 (17:48):
And as far as social media, getting people to find you.
Uh huh, how do you do that? What platforms do
you use? Do you like one more than other or
is one more successful?

Speaker 1 (17:59):
Or so?

Speaker 8 (18:01):
I have I post a lot of content on Facebook.
I've just learned that's where a lot of well a
lot more people will interact. I've just recently hit one
thousand followers, which is cool, so that's a milestone. I
do want to start posting more on TikTok and Instagram,
getting with the wave, but Facebook is really where you
can find me.

Speaker 4 (18:19):
So Facebook, in fact, I've found you this morning. I
saw this book. How did you know that? I looked
at that? Well is it?

Speaker 8 (18:26):
I was on a call on my way over here,
but I saw your name come through and I was.

Speaker 4 (18:29):
Like, oh, interesting, that's cool. There's so much I don't
know about Facebook, like if someone knows you're checking them out.
But when I heard you're going to be on the show,
I went on Facebook, but a little bit digging around
and talking about something. I didn't have the volume on.
But you've seem very animated as you are right now.

Speaker 8 (18:46):
Thank you.

Speaker 4 (18:47):
So it sounds like this Griffin group you're also doing
a lot with investors. H are you doing anything with people?
That are saying, Hey, Gabe, I'm not an investor right now,
but I might want to be. Tell me about it.
Do you do any of that kind of education and
get them in the door of investing.

Speaker 8 (19:04):
We do so. One of our favorite things to do
in any scenario, whether you're selling, you're investing, you're buying,
is education. That's the most fun part of it. So
Joel and I run a well filding workshop. It's up
in wood Forest at our office and it's the third
Thursday of every month at six point thirty.

Speaker 4 (19:20):
That's awesome. So as far as the rest of the year,
here we are well and it's an exciting, dynamic year.
How do you think things are going to play out
if you were to guess later down the road, it's
strong right now where you're at.

Speaker 8 (19:35):
Very So I'm in very high hopes to get the
Rookie of the Year at my brokerage, which will be
awesome and just as a personal token to myself, I
want to blow everybody out of the water, which I'm
on track to do, which is all thanks to the
Lord himself and then my team as well. But I

(19:55):
think the year has really picked up kind of like
Kitton said, that the first quarter of the year was
a little weird given the interest rates and the uncertainty
and who is going to be elected, which is I'm
totally okay with it. And last year was also somewhat
of a challenging year with the whole NAR settlement, and
I feel like it made the industry really hard to

(20:16):
be competitive if you were a part time agent, which
just makes me feel ten times better because I am
a full time agent. I am a full time agent,
So I think it's looking great. It's looking real good.

Speaker 4 (20:27):
Optimistic. Things are great. And give us a word too
as you plan for this year. I mean, we learn
every day if we're paying attention and we have the
goals and then strive to do better all the time
like you're doing. Yeah, give us a word if you
can think of something where something you learned, maybe in
the last couple of months or even from last year,
that you're now deploying and putting into action that's inspiring

(20:49):
you to try to get this goal of being Rookie
of the Year.

Speaker 8 (20:54):
Do what you love and talk about what you do
while you're doing.

Speaker 4 (20:57):
It, and be passionate like you Gabe savedra uh correct correct,
all right? Greg. Before we close this segment, what else
you want people to know?

Speaker 8 (21:08):
Well, if you do have anybody looking to buy, that's
my specialty. Buy or invest in the Montgomery County area.
I live there, work there, play there, wood Forest, the Woodlands,
and Magnolia. Give me a call and the phone number
is eight three to two nine two eight nine three
nine zero eight three two nine to eight nine three
nine zero.

Speaker 4 (21:27):
Thank you, Gabe. Let's talk to Claudine said. The company
is Fidelity National Home Warranty. Claudine, welcome to the show.

Speaker 9 (21:38):
Thank you, thank you for having me Bill.

Speaker 4 (21:40):
What's good to see. And it's also even better because
we haven't talked about home warranties on the show for
such a long time. And today's the day, right.

Speaker 9 (21:49):
Well, now is the time everybody needs a warranty more
than ever now, especially with all of the changes in
our age BAC systems.

Speaker 4 (21:57):
Well let's get into that in a bit. But you
I didn't think about the HVACT, but it is so
important here in Houston, Texas and other cities because it's
life support. We need it and we need to make
sure it's working. But first of all, in the home
warranty business, right now, let's tell people the process. So
when I buy, let's say I buy a brand of

(22:17):
a home, a previously owned home, I can get a
home warranty.

Speaker 9 (22:21):
Absolutely, we try to educate the buyer through the agent.
So we obviously try to partner with relators first. Sometimes
it goes to our escre officers. So that's why we
do partnerships.

Speaker 4 (22:33):
A lot with or vendor title companies.

Speaker 9 (22:35):
H title companies agents, just so they know how crucial
home warranty is. Because a lot of buyers think that
insurance covers age vac systems ACS, but unfortunately home warranties do.

Speaker 4 (22:48):
That's really and they don't know that exactly. So a
lot of what you're doing is the education of both
title companies, realtors and so forth. Because one of the
things that comes to mind is that if I'm buying
a home, actually if I'm a first time buyer, there's
so many things on our mind. It's like, oh, I
didn't even think about having these things have some kind
of warranty.

Speaker 9 (23:08):
So absolutely, and obviously going into somebody's previous home, not
a brand new home, things are bound to break, right,
So a lot of people don't know that we cover
fridge all of the appliances pretty much. So if you're
bringing a new one, hopefully you have the manufacturer home warranty.
If not, we do offer that as well in our

(23:29):
plans as an add on. But it's always good to
talk to an agent if they know, because I'm trying
to educate relators and now I've been in the industry
for the last thirteen years and i am in home
warranty for the last year and a half, and I'm
trying to educate our relators to put home warranties back
on contracts because during COVID as everyone knows it was
written off or if they wanted to get it, they

(23:51):
would just have the buyer pay for it.

Speaker 4 (23:54):
And that's a good point. So at this point in time, Claudine,
who's paying for it? I guess it's a negable item,
But more often than not, is the buyer paying for
it or is it the seller? In your world?

Speaker 9 (24:05):
Have you seen in today's world a lot of buyers
are trying to put it into the offer. So it's
good for the agents to know where to put it
because a lot of newer agents don't know about home
warranties because they weren't using them in twenty twenty up
until twenty twenty five. I want to say it started
coming back in to offers twenty twenty four. But it

(24:26):
is on the contracts, so if you're wanting it to
be negotiable, I would always put it into the offers.
The buyer's agents to put it into the offers. And
it's under residential services.

Speaker 4 (24:37):
So if you're out there thinking about buying a home
or in the process, hey I would. If you're going
to be a negotiating tip from us right here, hey
put it in there. Have the seller pay for it.
That's what I say, absolutely, and if they don't, then
you pay for it. However, but you need a home
warranty because you want to have a little bit of
backup in case something goes wrong, because it's not a
matter of if, it's.

Speaker 9 (24:58):
When when it goes wrong, and it always does, doesn't
matter how old the house is, even if it's a
newer home. After that buyer's warranty goes up, something's going
to happen. And with Fidelity, the good thing is we
have new construction coverage for till year five. It's only
seven seventy to have home warranty coverage. After the buyer's

(25:19):
one year coverages up. A lot of people again don't
know because they are like, I'm buying a new home,
why do I need a home warranty?

Speaker 4 (25:25):
Okay, So let's point that out. So if I'm buying
an existing home, I can get a home warranty.

Speaker 9 (25:30):
Absolutely.

Speaker 4 (25:30):
If I'm buying a brand new construction home, I can
get another home warranty as well.

Speaker 9 (25:35):
Yep, it will start after year two, after your builder's
home warranty is finished, and you have to have it
in the contract. Sometimes the sales agents.

Speaker 4 (25:45):
Will pay for it, and that's real nice because then
you have a lot of coverage. Right, yes, okay, you
mentioned at the very beginning about hvacs. They are so
important because because hey, if my dishwasher doesn't work for
a couple of days, hey it's okay, can wash my
hand exactly I do? Or all have my dog do
the dishes in the meantime, though, if the HVAC goes

(26:06):
at the air conditioning specifically goes out, we're in trouble. So, right,
what's new? You mentioned there's new things in the HVAC
world these days, But how does your company cover the
air conditioning system?

Speaker 9 (26:18):
So it's incredible. We have a zero dollar limit cover coverage.
So what that means for the buyers is if another
company says you have fifteen hundred towards repair as a replacement,
well ours a zero dollar line.

Speaker 4 (26:33):
Another home warranty company might do that.

Speaker 9 (26:35):
Can't say unlimited zero dollar coverage zero.

Speaker 4 (26:38):
Dollar okay, but it made you cover a lot, yes, sir.

Speaker 9 (26:42):
And what the new A two L system's coming? You're
gonna need it. You're gonna need coverage.

Speaker 4 (26:49):
And what is the A two L system?

Speaker 9 (26:51):
Just a new refrigerant system, just like the R twenty two,
So it's.

Speaker 4 (26:55):
A new liquid that they pump into the thing. Yes,
yet another one because they used to have what was
it called free on and then here was something else
and are whatever? And yet it's changing again.

Speaker 9 (27:07):
Everything changes, Everything evolves, and if you don't have the
A two L systems, it's going to get hard to
get the frigerant. So we still have the free on refrigerant,
but it's it's changing its whole unit systems.

Speaker 4 (27:19):
Now, is the A two L able to be used
in existing systems? Or we have to get a new
air conditioner So.

Speaker 9 (27:28):
You don't have to get a new air conditioning because
they are still repairing them. But yeah, you're gonna have
to have a home warranty if you want coverage.

Speaker 4 (27:37):
Just get a home warranty. Yeah, or move somewhere north
where you're not dependent on an air conditioner.

Speaker 9 (27:43):
You could go back to California if you.

Speaker 4 (27:45):
Like or that. Yeah, what did you use.

Speaker 9 (27:47):
I'm from California.

Speaker 1 (27:48):
What city?

Speaker 9 (27:49):
What city?

Speaker 4 (27:49):
Palm test Aer Palm. That's very nice. Yeah, kind of
dry there.

Speaker 6 (27:54):
It's dry.

Speaker 9 (27:55):
It's beautiful. We don't have the humidity.

Speaker 4 (27:57):
So not not that it's any of our business, but
what made you leave California such great such great weather?
I mean it really is. Would you ever go back
there again? To California, not specifically Palm Desert, but maybe
another place?

Speaker 9 (28:12):
No, to visit, yes, all my family's there, but to live.

Speaker 7 (28:16):
No.

Speaker 9 (28:16):
I love it here in the Woodlands. It's very family oriented.
I brought up both of my girls here and my
fiances here, so I'm definitely not going back.

Speaker 4 (28:25):
Well, the Woodlands is a very nice place for someone
to land from anywhere else. And I think because we
all know the Woodlands is growing like crazyh What are
some of the other things in the home warranty world?
We should know about.

Speaker 9 (28:37):
Gosh to use Clodding side with fidelity home warranty, Yes,
you need to use somebody that knows the market and
has been in the real estate business for over ten years,
that knows how crucial it is to have it. That
also used to represent buyers. And I wish that my
buyers all got home warranties when I advised them.

Speaker 4 (28:56):
To, and usually Clauding. The home warranty goes for or
is it a year? Do you have different plans? What
if I want two years?

Speaker 9 (29:03):
We do, so we have a year, we have our
crest plan that's thirteen months, and we also have a
two year plan.

Speaker 4 (29:08):
And then I know there used to be different things
you could add on, Like let's say I'm buying a
home that doesn't have a pool, then I don't worry
about a pool. But if I have a pool, do
you have.

Speaker 9 (29:18):
All a caart And that's what makes it so great
is we can add on pool and swoll like you
said for two thirty. We can also add on pre
season tune up for the age back systems, which is
twenty five dollars and if you have two units, it's
going to be fifty for the year. So we have
where we can gear to what you're I don't want
to stay worried about, but saying what the garage tune up?

(29:39):
Saying what the water heater tune ups. Fidelity has the
best coverage for home warranty. And I'm not saying it
because I just work for the company, but I truly
believe in it. And there they actually do what they
say they're going to do.

Speaker 4 (29:50):
What about sprinkler systems?

Speaker 9 (29:52):
Okay, sprinkler we do not.

Speaker 4 (29:54):
You don't cover the Yeah, yep. So there's some things that.

Speaker 9 (29:58):
Generics and sprinkler systems we don't.

Speaker 4 (30:01):
So no generators in those sprinkler systems. Just a side
note on generators. A friend of mine said that they
saw smoke coming from over the fence at their neighbor's
house and it was generator that caught on fire.

Speaker 9 (30:13):
Yeah, that happens. It's scary.

Speaker 4 (30:15):
I'm hearing more about that. And she happened to bring
her her son brought the fire extinguisher over. They put
it out, and a couple days later, as a gesture
of thanks, they got her a new fire extinguisher to
say thanks for seeing save in our house. It happens.

Speaker 9 (30:33):
Oh, the building code upgrades. Thank you, love. We have
I mean we have manufacturers s your manufacturer goes out warranty,
it's only ten dollars. You add on and we'll cover it.
So it doesn't make sense not to do these add ons.
And I would love anybody that needs or has any
questions about home warranty to directly call me or follow

(30:53):
me on Instagram or Facebook under my name, and.

Speaker 4 (30:57):
The name is Claudine s Aded.

Speaker 9 (31:01):
Like Claudine said, use fidelity home warranty.

Speaker 4 (31:04):
Claudeen said, use fidelity. So in the meantime, Claudine, let's
tell people how they can reach you in case they
want to do just that.

Speaker 9 (31:11):
So you actually get my personal number, guys, eight three
two three seven seven sixty six eight four. Again, that's
eight three to two three seven seven sixty six eight four.
Give me a call or follow me on Instagram. It's
my full name on either Instagram or Facebook.

Speaker 4 (31:28):
That's because Claudeine said, so right, I did. Phone number
again is.

Speaker 9 (31:32):
Eight three two three seven seven six six eight four.

Speaker 4 (31:36):
Thank you Claudeine.

Speaker 9 (31:37):
Thanks guys.

Speaker 1 (31:38):
If you're a real estate professional, then listen closely. Cyber
criminals start targeting our industry. They are impersonating real estate professionals,
home buyers, sellers, and title agents. Their goal is to
gain access to your inboxes, computers, and clients so they
can steal information in funds. Does your business insurance offset
these risks? Not sure? Contact Steward Insurance to determine if

(32:01):
your business is properly insured. Visits Stuart Insurance dot Com
are called eight six six seven ninety eight twenty eight
twenty seven. Visit Stuart Insurance dot Com are called eight
sixty six seven ninety eight twenty eight twenty seven.

Speaker 4 (32:15):
Real estate matters with Stuart Title would not be possible
without our partner, Stuart Insurance. With a focus in real
estate and a special focus on real estate brokers, Stuart
Insurance creates insurance plans to address the risks facing our
industry today. They invest a significant amount of time helping
real estate broker owners offset and manage their risk. Here

(32:35):
he is John Bramlett with Stuart Insurance. John, Welcome to
the show.

Speaker 10 (32:38):
Thank you Bill. Always a pleasure to be here.

Speaker 4 (32:40):
Once again, the insurance segment is right here. People been
waiting for it, anticipation all the way and you're here
to deliver.

Speaker 10 (32:48):
Well, let's let's let's think about that theme of anticipations.
We are anticipating thummer, oh no, yes, And with summer,
we're thinking about being around the water. And if we're
going to be around the water, we want to be
in a boat, whether it be skiing or fishing or
riding around.

Speaker 4 (33:02):
It'd be nice.

Speaker 10 (33:03):
So let's talk a little bit about boat insurance.

Speaker 4 (33:05):
Boat insurance, that's I don't know that we've really I
don't think we enhanced it in any way.

Speaker 10 (33:09):
So yeah, boat, I think we have. I don't think
we have.

Speaker 4 (33:12):
A lot of people have boats all over the city
there due.

Speaker 10 (33:15):
I mean between being able to boat and Clear Lake
and Galison and Galison Bay all the way up to
Lake Conroe in Lake Houston. And you're right, we do
have a lot of boats in the Greater Eastern area.

Speaker 4 (33:26):
Not to mention the people as you go by the
Bass Pro and all these stores that are well stocked up.
And I think this is really a time where people
are getting ready. Some of them are buying their boats,
new boats, they're maintaining, getting ready to put them in
the water. So very timely, John.

Speaker 10 (33:41):
Absolutely, So Again, with any plan or any type of coverage,
it's important to understand what's available, what's out there, what
we need to consider when we're doing that. So there's
some basic elements to boat insurance that we would see
in a lot of different types of coverage. You know,
we're going to want to have liability, So if you
were to damage somebody else's property or somebody who is
going to get hurt because of your fault, then the

(34:02):
liability coverage would come into place. So we always want
to make sure that whatever coverage we have liabilities included,
we want to include comprehensive so if damages are lost
were to happen to the vessel due to theft or
fire or vandalism or just some sort of natural disaster,
that you would have coverage. So that's always important to

(34:24):
keep in mind. You know, collision, if we were to
run into something or to someone or to another boat,
having that collision coverage, coverage for your hull and your sale,
your equipment that's on the boat, you know, the motor itself.
That's always make sure we want to have that coverage.
In some instances, you can get coverage for your trailer
as well, So if you're trailing your boat to and
from you know you want to make sure you've got

(34:46):
that coverage. In some cases, we like with auto you
can get uninsured driver, you can get uninsured boaters.

Speaker 4 (34:52):
So if I've never heard of uninsured boater, So if
there's maybe someone out there that doesn't have doesn't.

Speaker 10 (34:57):
Have insurance coverage, and then you've got some coverage there.
You also want to win available to get coverage for
your personal effects. So let's say your skis were to
get stolen from your boat or your fishing gear, that
you could get recovery from that if it was damaged
or stolen. And then there's important to understand that there
are different types of policies from a very broad perspective

(35:20):
that can be available. About sixty percent of the policies
that are written for boats, especially those that are larger,
are agreed value policies. And all that means is at
the time of issuance of coverage, you agree to what
that value of the boat is. So if you were
to have a total loss, then that amount would be paid.

(35:41):
So you agree upfront that the agreed to value for
the boat, let's say is one hundred thousand dollars. If
there was ever to be a total loss, you would
get that one hundred thousand dollars for your claim. The
remaining forty percent of the coverage then, is what we've
talked about in the past, this idea of actual cash
value where the coverage comes into play, whether it be

(36:03):
you know, for repair or replacement, but it comes into
play after depreciation takes effect. So you can get the
cash value coverage which comes into play after depreciation, or
you can get the agree to value policy where we
agree upfront at insuance of the coverage, this is what
the payment would be. So it's important to know which

(36:24):
one of those you have available and understand that prior
to getting coverage. The other thing that's been interesting is
we're starting to see an increase in the number of
yachts market. So a yacht technically is a boat that's
thirty five feet or larger, so that's kind of the
general rule. So if you've got a boat that's over
thirty five feet, it could potentially be considered a yacht.

(36:46):
So because of that increase, we've also seen some increase
in premiums due to a lot of different natural catastrophes.
Because if you think about it, if you've got a
boat that size, it's probably not a trailer, it's probably
stored and maybe it's docked. And if we have a
natural disaster or a hurricane, then there's a good chance
that you know, the boat was damaged, so we can

(37:07):
see that. We're also seeing for folks that have those
hire end boats, whether it be a yacht or in
your case, build with your super yacht that's over eighty feet.

Speaker 4 (37:18):
Right, we'll all be going there after the show. Yeah,
some lobster and champagne.

Speaker 10 (37:23):
Okay, yes, well, and we appreciate you inviting us all
to be there. The uh many times, the marinas and
the lenders are driving that coverage that if you're gonna
if you're gonna park your boat at my marina, I
want to make sure that you've got coverage unless in
case there's an issue, or if I'm going to give
you the loan to buy that boat, I want to
make sure that you've got coverage so that we're protected.

(37:45):
So we're seeing, we're seeing some of that, and I
guess then the last thing to keep in mind if
somebody's about to purchase a boat and they're trying to determine,
you know, what was what would be driving my premium. Uh,
the insurance companies are going to look at things like
the age of the boats. So am I buying a new
boat or am I buying an older boat? You know,
where's the boat going to be located? Is it going

(38:07):
to be on Lake Conro or is it going to
be in the Galison in Galveston? You know, what's the
size of the boat, and then is it a super
speedboat'll they'll take that into consideration.

Speaker 4 (38:18):
Well, this is the For a few months ago, there
was the Houston Auto and Boat Show. It has a
combination show and where I've not been for many years.
But I was surprised when I In fact, I spent
more time in the boating section because I found it
fascinating the prices of boats. I had no idea ninety thousand,
fifty thousand. I mean, they're going way up there and

(38:42):
then and also they're talking, they're talking. You'd mentioned used boats,
They too are in the hot in the stratosphere in
terms of pricing. So yeah, you better get some insurance.

Speaker 10 (38:53):
Well, another thing to keep in mind is you're right,
you'll see that you know, those base those prices that
you saw at the boat show in nine hundred thousand.
In many cases that's the base price. That doesn't include
all the electronics, or that doesn't include the bend in
me top, or doesn't include the upgrade on the engine,
or doesn't include the nice sound system. So you start

(39:14):
adding those kinds of things up and then it really
becomes a significant investment. So it's worth taking a look
to see what that coverage is. And as I said,
depending upon the sides of the boat, in many cases,
a marina or the lender themselves are going to require
you to have coverage well.

Speaker 4 (39:28):
And I'll remind people once again, especially as we're talking
about boats, we're not the only place that's boat intensive.
I was in Providence, Rhode Island for the smallest I
lived in there for two years, from the smallest state
to the biggest state. But I think about Providence and
it's so much water and so much area that has

(39:50):
water and homes, so many boats. In Stuart Insurance, you're
serving people all over the United States. Just in case,
people in Providence or in Newport, Rhode Island, or listening
or in Marina del Rey, California, a couple of boats
over there too. A couple of boats over there, So
that's all that could be a whole nother thing for
Stuart Insurance, just the marine aspect. I never thought about

(40:12):
it like that.

Speaker 10 (40:13):
I mean, that's part of the portfolio of personal and
family insurance products and services that we offer our clients.

Speaker 4 (40:18):
Well, it's good, it's nice, it's a good feeling to
bring that extra exposure. I'm thinking of every body of
water now, the Great Lakes Orchis Islands in Washington right
there near Vancouver. Crazy, what a great potential, and it's
also great that you're serving those people by just simply
a phone call away.

Speaker 10 (40:36):
Absolutely, they can reach us at eight sixty six seven
nine eight two eight two seven. That's eight sixty six
seven ninety eight two eight two seven. They can learn
more about us at Stuart Insurance at Stuart dot com
or email us at Stuart Insurance.

Speaker 4 (40:49):
Well, no boating topic would be complete with that, including
the jet ski. Does that count?

Speaker 10 (40:53):
Yes, yes, so there are it's we can we can
provide coverage for any different types of watercrafts.

Speaker 4 (40:59):
That's correct now to me. If I were to live
on a lake, I don't think I'd get a boat,
but I would entertain a jet ski where at least
two people maybe three can get on it. Because I
think you have more mobility and might be more of
a fun element. I don't know. Have you been on
a jet ski lately?

Speaker 10 (41:16):
Not lately, but yes, I have been on a jet ski.

Speaker 4 (41:18):
They're lots of fun.

Speaker 10 (41:20):
They are fun.

Speaker 4 (41:21):
And they can be insured by calling.

Speaker 10 (41:23):
Eight six six seven nine eight two eight two seven.

Speaker 4 (41:26):
Thank you so much, John Bramlett, always a pleasure, Bill,
Thank you John. And now all the way from the
northern Reaches, our business development team is doing tremendous work,
not just here in Houston, every part of Houston, but
all over the United States. But right here we have
Hope moy joining us once again. Hope, welcome to the show.

Speaker 7 (41:45):
Hey Bill, good to see you.

Speaker 4 (41:47):
Let's tell people about your offices again.

Speaker 7 (41:49):
All right, So I am in Magnoia and Conroe. I
have three esc officers in my Magnoia office and we
are three in Conro.

Speaker 4 (42:00):
Are you in the mood to get some boating insurance?

Speaker 7 (42:02):
Oh?

Speaker 6 (42:02):
Man, I wish I had a boat?

Speaker 4 (42:03):
Well, step one, get a boat.

Speaker 6 (42:05):
Step one.

Speaker 7 (42:06):
I need a boat first, or even a jet ski.

Speaker 4 (42:09):
I like the jet ski id and then get some
insurance from John. Call Stewart and true absolutely Stuart. All
the way It's that simple and done often every day.
In the meantime, how are things in your offices?

Speaker 7 (42:20):
Everything is going great. I feel like the market is
definitely picking up. It's been really busy the last couple
of months. So you know we're here. If you ever
need anything, please give us a call and we'd love
to help you.

Speaker 4 (42:31):
And there you are. You brought Gabe on the show today.

Speaker 7 (42:33):
Yes, he did fantastic.

Speaker 4 (42:35):
He's a fantastic guy. Yeah, hope. Let's tell people your
phone number.

Speaker 7 (42:39):
My phone number is three four six two two four
one nine zero eight. Again it's three four six two
two four one nine zero eight.

Speaker 10 (42:48):
Give me a call.

Speaker 4 (42:48):
Thanks for being with us. I have a feeling we'll
see you pretty soon.

Speaker 7 (42:51):
Yes, yes you will.

Speaker 4 (42:53):
And now joining us for the very first time, Lisa Burris, Lisa,
what become to the show?

Speaker 7 (43:01):
Hi?

Speaker 11 (43:01):
Bill? Thanks for having me well.

Speaker 4 (43:03):
First of all, Lisa, you're doing tremendous work, and you're
doing tremendous work for Stuart Title in one of the
most historic offices for Stuart absolutely, if not any other company.
Let's tell people about your two offices.

Speaker 11 (43:16):
Actually three, Bill, I have three offices. Wow, So I
have three offices. The first one would be where it
all started. That is two two two Kempner two two
two Kempner in Galveston. And then I have Weston at
one three six eight zero FM three double five that's
at Pirate's Beach in Galveston. And then my Texas City

(43:37):
location at nine oh five North Logan three offices.

Speaker 4 (43:41):
How do you do it, Lisa?

Speaker 11 (43:43):
With a wonderful Escrow team, That's how With a wonderful
Escrow team. We have four great ladies at our downtown location,
we have one Weston and then we have one in Texas.

Speaker 4 (43:53):
City and that's super. And I want to emphasize too,
because people have heard, especially around Houston, know that we're
Stuart Title started over one hundred and thirty plus years ago,
absolutely in Galveston, in Galveston, and that's the office you
work in, and that office was there that many years ago.

Speaker 11 (44:10):
It was there that many years ago. What a pleasure
it's been to be there and be the business development
officer there, great, great building, lots of history. If you're there,
come get me and were talking around.

Speaker 4 (44:21):
We talk about growing. We've had people from Galveston talk
about just the cruise business. Have you been on any
of those cruises.

Speaker 11 (44:27):
I have been on, not lately, but I have been
on a rural Caribbean. It's beautiful, beautiful new terminal.

Speaker 4 (44:34):
But they say, I forget who it was, but they said,
there's millions of people every year leaving the docks of
Galveston on these various cruises.

Speaker 11 (44:42):
They are we actually have another new cruise, a new
port coming in as well, so they're building and building rapidly.

Speaker 4 (44:49):
That is awesome. Well, Lisa, let's tell people how they
can reach you. Lisa Burris four.

Speaker 11 (44:54):
Zero nine nine seven four five one five three. Again
that's four zero nine nine seven four five to one
five three.

Speaker 4 (45:01):
Well, thanks for being with Now, what did you think
about your very first radio appearance? Here you are.

Speaker 11 (45:06):
I'm a little anxious, but it's good. It's been a
great experience.

Speaker 4 (45:09):
Thank you so much. Hope to see you soon, Lisa.
And now she is back Kitten Leopold for a final word. Well, Kitten,
here we are closing the show down. What else do
you want people to know?

Speaker 5 (45:24):
So I'm located at twenty seven to fifteen Broadway, and
what's unique about it was built in nineteen fifteen. You
talked about the history of the original Stuart Well I
stand with the two white lines out front, but who
watches over me is actually Henry Rosenberg's Texas Heroes monument.
She's holding a sword in one hand and it's entwined

(45:46):
with roses, and she has a Laurel reef in others
and she was commissioned on April twenty second of nineteen hundred.
She watched the Night of Horrors that she watched the
nineteen hundred storm come in.

Speaker 6 (45:58):
She watched eight thousand people die.

Speaker 5 (46:00):
And this is in Galveson with Ryan people sit on
my front porch and every time I see the market
or I feel challenged, She's considered the statue of victory,
and I want her to encourage me to have a
brave heart. A brave heart translates to someone that's courageous
and self sacrificing.

Speaker 6 (46:16):
And that's what I think we do, is Wilts.

Speaker 4 (46:18):
Indeed, every day on a daily basis, Kitten Leopold, Kitten,
Let's tell people how they can reach you.

Speaker 6 (46:24):
It's eight three.

Speaker 5 (46:25):
Two six four one four two six one. Or my
office number in Galveson is four O nine nine four
one zero zero one zero at twenty seven to fifteen
Broadway and has two white lines, and I'm right by
the Texas Hero's Monument.

Speaker 4 (46:37):
Helping buyers and sellers and property management. The number again
is eight.

Speaker 5 (46:42):
Three two six four one four two six one and
four O nine nine four one zero zero one zero.

Speaker 4 (46:47):
Thank you, kitten. Gabe is back. That's right, Gabe, Savedra
Griffin Realty Group. Well, Gabe, okay, you're going Jack Nicholson
on us here with the shades. Well, that's why I
tell people. You know what I tell them, Gabe, I say,
go to the Stewart dot Com forward Slash Radio where
they could see the show in here at the same time.

(47:08):
Wait a minute, let's get it out.

Speaker 10 (47:10):
You see that.

Speaker 4 (47:11):
Okay, everybody, he's got super like a Jack Nicholson Tom
Cruise sunglasses on butt. They're better because they say Stuart
right there, and I'm wondering where my pair of glasses are, Hope, Gabe,
as we close the show, what else do you want
people to know?

Speaker 8 (47:27):
So we are the only real estate office up in
wood Forest. You can find us buy the wood Forest
Bank our addresses eight nine to five Fish Creek Thoroughfare Suite,
see come and check it, Come and check it out.
Let's go have a bite to eating in wood Forest.

Speaker 4 (47:41):
You know, Gabe, I'm thinking someone right now is saying,
you know, I bought a home, I sold a home,
but I think I want to be an investor. They
can call you, right of course.

Speaker 8 (47:50):
Number is eight three to two nine to eight nine
three nine zero. It's eight three two nine to eight
nine three nine zero.

Speaker 4 (47:59):
You know your whole personality change when you put those
glasses on. Well, everybody's over here talking about okay.

Speaker 8 (48:06):
Cruises, all right. I figured I got the linen suit
jacket on.

Speaker 4 (48:10):
And okay, Miami Vice super awesome, and now she's back.
I think I'm feeling with the power of the glasses. Claudeine, side, Claudine,
Did I say that correctly? Said? Okay, Claudeine, it's gonna
be changed. Sigeed. Yes, well, i'd I'd ask more about that,

(48:32):
but I better not. Claudeine here you are closing the
show down. What else do you want people to know
about your company?

Speaker 9 (48:38):
I would like you guys to know that I cover
the Heights College Station, North Houston, and you can reach
me and contact me at any time. My number is
eight three two three seven seven sixty six eight four,
or it's Claudine dot side at FNF dot com. If
you guys want to broch her or need anything, please,
I would love to help you guys out with your warranty, the.

Speaker 4 (49:01):
Home warranted business, and one thing I'm meant to ask
you if someone's out there, Yes, in the process of
buying a home, we can get a home warty. But
what if I already have a home and I'm not
going to buy or sit. I'm not going to sell
it anytime soon, but I want a home warranty. Can
you get a home warranty on an existing home?

Speaker 9 (49:18):
Yes, sir, I can do a direct cell to you.
You will have to wait thirty days for it to
go in effect, but you have to make sure everything
is working properly because we are going to ask you.
But yes, you can still get coverage. So for all
of you that don't have coverage currently on your home, now,
let's get it before that age back goes out there

(49:39):
you go not wishing it, but make sure you're covered
for when it does.

Speaker 4 (49:43):
Just call Claudine at.

Speaker 9 (49:46):
Eight three two three seven seven six six eight four.

Speaker 4 (49:49):
What do you think of the glasses on me, Claudine.

Speaker 9 (49:51):
I'm a little jealous. I didn't get a pair going
to be.

Speaker 4 (49:54):
Working all right, Claudine, thank you so much for being
with us, and thank you all for listening to Real
Estate Matters with Stuart Title. I am your host, Bill Nampick.
That's right. Go to Stuart dot com Forward slash Radio.
You could see the show, you could see the fantastic guests,
and you can also hear past shows by going to
Stuart dot com Forward slash Radio. If you're in the

(50:16):
process of a real estate transaction, you say, hey, I
want a Stuart Title to be my title company company,
go to Stuart dot com, find your closest location and
talk to one of our business development people are esgro
people at Stuart dot com on behalf of myself, Bill
Nampick and John Bramlett and all of us at Stuart
Title and Stuart Insurance. We appreciate you listening. We'll see

(50:38):
you next week and until then, thanks for listening. Hey everybody,
it's Bill, your host for Real Estate Matters with Stuart Title.
Thank you for listening to the show, and I want
to invite you. Stewart dot com is our website, so
if you have any questions about Title Insurance, if you're
interested in Stuart being the steward of your real estate transaction,

(51:01):
whether you're right here in Houston, Texas or anywhere beyond,
simply go to our website to find out the closest
location to you. We have many here in Houston, of course,
but also we are an international company traded on the
Stock Exchange as STC, so we have a lot of
people and a great team around the United States and

(51:23):
beyond to help you, but certainly right here in Houston.
Reach out to us at Stuart dot com. Also reach
out to our business development people as they are resources
for you right here in Houston and again beyond. They
can be a resource to you if you're a real
estate professional. In terms of education, great fun activities are

(51:44):
also things that they plan on a regular basis, but
super educational things are also in the works at each
and every one of our Stuart Title offices in Houston,
Texas and even far beyond. But right here in Houston
you hear the guests, you know we have a great
team as you hear them from around the different areas
of Houston, and of course the show archives are found

(52:06):
at Stuart dot com, Forward Slash Radio, and again anything
where you'd like us to help you at Stewart Title.
Just go to our website Stuart dot com Stewart dot com.
You can find out a lot of information. We would
be honored to be stewards of your real estate transaction
at Stuart Title at any of our locations. Thanks for listening,

(52:31):
and we'll see on the next show.

Speaker 1 (52:33):
In today's litigious society, it is imperative to have the
proper insurance to offset the many risks facing your business,
especially if you're a real estate broker. Your errors and
omissions and cyberliability. Insurance can help limit the thread of
these risks if you know what to look for. Not
sure if your insurance addresses the risks facing your business,

(52:53):
contact Stuart Insurance to be confident your brokerage can withstand
these risks. Stewart Insurance six seven ninety eight twenty eight
twenty seven Stewartinsurance dot com. That's Stewartinsurance dot com. Are
called eight six six seven ninety eight twenty eight twenty seven.
If you're a real estate professional, then listen closely. Cybercriminals

(53:15):
are targeting our industry. They are impersonating real estate professionals,
home buyers, sellers, and title agents. Their goal is to
gain access to your inboxes, computers and clients so they
can steal information in funds. Does your business insurance offset
these risks?

Speaker 4 (53:31):
Not sure?

Speaker 1 (53:32):
Contact Stuart Insurance to determine if your business is properly insured.
Visit Stewart Insurance dot com are called eight six six
seven nine eight, twenty eight twenty seven. Visit Stuart Insurance
dot com are called eight six six seven ninety eight
twenty eight twenty seven