Welcome back to High Octane Real Estate with Pam Orzan! Buckle up, because in this episode we’re cracking open the wild world of Florida homeowners insurance—yes, your insurance company is totally judging you, and no, it’s not just in your head.Pam is joined once again by Robert Leute of John Galt Insurance, who spills the real tea on why your neighbor’s policy might be $1,500 cheaper than yours—even if your house is in better shape. We’re diving into Citizens Insurance, new carriers in the Florida market, shady roofers, sky-high premiums, and the absolutely insane ways credit scores, roof deck attachments, and even the wrong photo can jack up your rates.We also get into how split policies might be your saving grace, why older homes and condos are becoming insurance nightmares, and how fraud and underinsured properties are screwing over everyone. This is the must-listen episode if you're buying, selling, insuring, or just trying not to lose your mind over your premium.Oh, and of course, we round it out with some tequila-fueled fun, psychic run-ins, time travel dreams, and our usual dose of real estate sass.Subscribe, download, and leave a 5-star review—or Pam will find you. She is a realtor after all. Contact Pam Orzan:Email: pam@coastallivingsouthflorida.comWebsite: www.CoastalLivingSouthFlorida.comInstagram: highoctanerealestatepodcastFacebook: https://www.facebook.com/pamrealestate