# 🔥 Home Affordability: Why the Problem Isn’t What You Think

Page: https://stenobird.com/podcast/the-9innings-podcast-2707213/home-affordability-why-the-problem-isn-t-what-you-think
Text version: https://stenobird.com/podcast/the-9innings-podcast-2707213/home-affordability-why-the-problem-isn-t-what-you-think.md
Podcast: [The 9Innings Podcast](https://stenobird.com/podcast/the-9innings-podcast-2707213)
Published: 2026-02-03T12:30:00+00:00
Episode link: https://rss.com/podcasts/9inningscapitalgroup/2515278
Audio file: https://content.rss.com/episodes/40859/2515278/9inningscapitalgroup/2026_02_02_21_47_24_d4d836a0-5b6b-48f4-9446-153b12a3a6f0.mp3
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JSON: https://stenobird.com/v1/public/podcasts/the-9innings-podcast-2707213/episodes/home-affordability-why-the-problem-isn-t-what-you-think
Duration seconds: 922

## Resource

Welcome to the 9Innings Podcast where we Educate, Empower and Engage. ON THIS WEEKS PODCAST: In this episode of 9innings Podcast, host Kevin Thompson, founder and CEO of 9i Capital Group, explores the rising costs of homeowner’s insurance, focusing on Texas but noting nationwide trends. He explains why premiums and deductibles—especially for wind and hail—are increasing, often based on inflated home replacement values. Kevin shares personal policy details, highlights the financial strain on homeowners, and discusses the lack of true competition in the insurance market. He urges listeners to shop around, be proactive, and understand the broader affordability challenges facing both homeowners and renters today. Rising Homeowner’s Insurance and Deductibles (00:01:05) Replacement Value vs. Tax Base (00:02:25) Escrow, Mortgage Payments, and Cost Increases (00:03:32) Financing High Deductibles (00:04:35) Wind and Hail Deductible Trends in Texas (00:06:53) Personal Policy Example and Financial Impact (00:08:18) Insurance Market Competition and Lobbying (00:11:03) Market Structure and Profits (00:13:25) NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page Follow Us: youtube: / @9icap Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4 Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idisclosure/disclosure

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