The 80% Co-Insurance Clause That Slashes Your Payout
26 Aug 2026 · 1 min
0:33
In this segment, Mendell Gosnell, CPM explains that many property insurance policies include an 80% coinsurance clause, meaning if a policyholder insures their property for less than 80% of its true replacement cost, the insurer can proportionally reduce the claim payout. He emphasizes that this can leave homeowners significantly underinsured and advises viewers to discuss the clause with their insurance agent to ensure adequate coverage.
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