Understanding Home Insurance with Blayke Breeding of Goosehead Insurance

 


Understanding Home Insurance with Blayke Breeding of Goosehead Insurance

Between Two Doors Podcast | Hosted by Nate Carver

On this episode of Between Two Doors, I sat down with Blayke Breeding, Account Executive at Goosehead Insurance based in Dallas, Texas. Blayke brings a fresh yet grounded perspective to the world of home insurance, shaped by her roots in Miami, Texas, and her education in Agricultural Communications and Marketing from Oklahoma State University.

Raised on her family’s ranch, Blayke understands hard work, resilience, and the value of protecting what matters most — making her a natural fit for the insurance world. Her passion shines through as she helps first-time homebuyers and seasoned homeowners navigate the often-overwhelming process of finding the right insurance coverage.

The Unpredictable Nature of Insurance

Blayke describes today’s housing insurance market as similar to the stock market: unpredictable, volatile, and ever-changing. That’s why having a trusted agent matters more than ever. Insurance rates can fluctuate month-to-month, and she emphasizes the importance of working with someone who will keep clients informed and advocate for the best coverage and pricing available.

Homeowners Insurance 101

Blayke specializes in helping first-time homebuyers understand their policies. She walks clients through critical aspects like:

  • Replacement Cost vs. Actual Cash Value: Replacement cost covers the full cost to rebuild a home, whereas actual cash value factors in depreciation.

  • Deductibles: Understanding how much you'll pay out-of-pocket before coverage kicks in.

  • Coverage Limits: Why the insurance amount on your policy might not match your home’s market value (hint: insurance covers the rebuild cost, not land value or location).

She also stresses the importance of maintaining documentation, especially for roof replacements or major updates — critical details that can significantly impact claims and premium costs.

Roofs, Discounts, and Saving Money

In North Texas and Oklahoma, where hailstorms and severe weather are common, roof condition plays a massive role in insurability. Blayke highlights that while a roof may be rated for 30 years, Texas weather typically shortens that lifespan significantly. She advises homeowners to always pull permits and keep all receipts and documents for major repairs like roofing or HVAC replacements.

Blayke also shares valuable insights into saving money on premiums:

  • Bundle Policies: Home, auto, RV, and even boat insurance bundling can unlock substantial discounts.

  • Home Updates: Newer builds or updated plumbing, electrical, HVAC, and roofing typically mean lower insurance costs.

  • Ask About Discounts: Alarm systems, new roofs, and energy-efficient upgrades may offer hidden savings.

Special Topics: Solar Panels, Flood Zones, and More

We dove into specialized topics, too:

  • Solar Panels: Can complicate insurance coverage depending on the carrier. Always disclose solar installations to your agent.

  • Flood Insurance: Standard homeowners insurance does not cover flooding. Separate flood insurance is often necessary (and surprisingly affordable unless you're right on the water).

  • Trampolines and Dog Breeds: Believe it or not, trampolines and certain dog breeds (like pit bulls) can disqualify some homes from coverage with specific carriers.

Policy Reviews and Claims

Blayke recommends reviewing insurance policies annually, especially when premiums increase. She encourages homeowners to shop around if necessary and reminds everyone that you’re not locked into a policy—you can switch carriers at any time.

When it comes to filing claims, her advice is simple:

  • If urgent (like a tornado or serious damage): Call the claims department immediately.

  • If unsure (like minor roof damage): Call a trusted roofer or contractor for an inspection before filing a claim.

Final Advice: Work with a Broker

Blayke's biggest tip? Avoid shopping for insurance on random online quote websites. Instead, work with a trusted broker who can shop multiple carriers for you, saving time, hassle, and money — without selling your information.

Contact Blayke Breeding

If you’re looking for a knowledgeable, responsive insurance agent who truly cares about her clients, Blayke is a fantastic resource. She can help you get quotes, review your coverage, or bundle policies to save even more.

📞 Phone: (214) 838-5283
📧 Email: blayke.breeding@goosehead.com

Website:  https://goosehead.com/Blayke-Breeding

LinkedIn

Instagram

She typically responds within 20 minutes — that's the kind of service you want in your corner!

Podcast Details:

Podcast Name: Between Two Doors
Host: Nate Carver
Guest: Blayke Breeding, Account Executive at Goosehead Insurance
Episode Topic: Navigating Home Insurance Like a Pro

🎙️ Listen to this and other episodes at BetweenTwoDoors.com

Sponsored By:
Premier Lending, Inc. | natecarver.com
NMLS: 130562 | LO NMLS: 2004738
Equal Housing Opportunity. Licensed by the Department of Financial Protection and Innovation (DFPI). nmlsconsumeraccess.org
📞 Call Nate: 972-832-5761

Connect with Nate on Social Media:

Location: Texas, USA

Comments

Post a Comment

Popular posts from this blog

Meet Ashley Hart: North Texas Real Estate Expert Redefining Real Estate and Resilience

Image
  Meet Ashley Hart: North Texas Real Estate Expert If you’re looking to buy or sell a home in Flower Mound, Texas, or the North Dallas Metroplex , you need to meet Ashley Hart . With a background in marketing and architecture, she has taken the real estate industry by storm, making a name for herself as one of the top 1% of agents in her market. From Marketing to Real Estate: Ashley’s Journey Ashley’s journey into real estate started while she was working as a marketing coordinator for her father’s architecture firm . At the same time, she and her husband were investing in properties. To save on agent commissions, her husband suggested she get her real estate license. Once she started taking classes, she realized real estate was a perfect combination of her skill sets —marketing, customer service, and business management. In March 2019, Ashley earned her real estate license and embarked on her new career. The first year was tough—Ashley had zero clients . But through perseverance,...
Read more

Between Two Doors: A Conversation with Tracey Goens – Heart, Homes, and Hope in Daphne, AL

Image
  In this episode of Between Two Doors , I had the pleasure of sitting down with Tracey Goens, a top-producing Realtor and lifelong Baldwin County resident who’s built her real estate career on heart, hustle, and an unwavering commitment to community. From the moment we started talking, it was clear that Tracey doesn’t just sell homes—she builds lasting relationships. With nearly 20 years in the industry and a place among the top 1% of Baldwin County Realtors, she blends expertise with a personal touch that turns transactions into lifelong friendships. A Local with Deep Roots and a Heart for Service Tracey’s real estate journey began in Daphne in 2005, and she’s never looked back. What drew her in wasn’t a love for houses—it was a love for people. She finds joy in learning about her clients’ lives, hearing their stories, and helping them through major life transitions with grace and empathy. Whether it’s a first-time homebuyer, a couple navigating a divorce, or a growing family,...
Read more

Between Two Doors: Real Estate, Faith, and Family with Paige & Jeremy Tanner

Image
  Between Two Doors: Real Estate, Faith, and Family with Paige & Jeremy Tanner Welcome back to another episode of Between Two Doors ! Today, we had the pleasure of speaking with Paige and Jeremy Tanner , a powerhouse real estate duo based in Mobile, Alabama . Their story is an incredible journey of faith, investment, and service , and we can’t wait to share it with you. From Investment to Full-Time Real Estate Paige and Jeremy’s journey into real estate began in 2019 , with a dream of building passive income through investment properties. What started as a long-term financial strategy quickly turned into a full-fledged career. Jeremy had always been drawn to real estate, working in construction during his early years and being inspired by successful investors around him. Paige, however, took some convincing. Jeremy spent ten years encouraging her to get her real estate license , and when she finally did, she fell in love with the industry . Now, they work together, helping hom...
Read more