Home Insurance Isn’t Just About Your House Anymore

When people think about homeowners insurance, they usually picture roofs, pipes, or storm damage. What doesn’t always come to mind is digital risk—even though most of our homes now rely on online systems, shared networks, and stored personal information.

In a recent episode of RECkoning with Real Estate, we talked with Ben Feldman of Active Insurance Solutions about a lesser-known part of some homeowners policies: cybersecurity coverage.

This isn’t about worst-case scenarios or selling extra protection. It’s about understanding how insurance has quietly evolved alongside how we live.

Cyber add-ons or endorsements can sometimes help cover things like identity theft recovery, fraudulent digital transactions, or the costs associated with restoring compromised systems. They’re not standard across all policies, and they don’t all work the same way—which is exactly why they’re easy to miss.

Beyond cyber coverage, this full RECkoning with Real Estate episode continues a broader conversation between Ben and Paige, exploring how homeowners insurance actually functions in real life—not just on paper.

Together, they walk through topics like roof coverage and minimum deductibles, including how certain policies treat roof damage differently than many homeowners expect, and how add-ons or endorsements can quietly shape what is and isn’t covered. These are details that often stay in the background until a claim is filed, which is why they’re worth understanding ahead of time.

Click here to access the full episode on Youtube, or you can find the Podcast in other apps and every Sunday on AM950.

Reach out to us at hello@therecollab.com or call +1 651-412-3765. We are here to make your home purchase or sale a transparent and successful experience.

REC. Real Estate. Radically Reimagined.