{"id":340,"date":"2021-09-07T10:50:28","date_gmt":"2021-09-07T10:50:28","guid":{"rendered":"https:\/\/kits.themecy.com\/memberships-3\/?page_id=5"},"modified":"2025-06-14T23:27:20","modified_gmt":"2025-06-15T03:27:20","slug":"home","status":"publish","type":"page","link":"https:\/\/realrisktalk.com\/","title":{"rendered":"The Real Risk Talk"},"content":{"rendered":"<style>.kb-row-layout-id340_9e69d2-26 > .kt-row-column-wrap{align-content:center;}:where(.kb-row-layout-id340_9e69d2-26 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:center;}.kb-row-layout-id340_9e69d2-26 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-xl, 4rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);min-height:582px;grid-template-columns:minmax(0, calc(50% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)))minmax(0, calc(50% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)));}.kb-row-layout-id340_9e69d2-26 > .kt-row-layout-overlay{opacity:1;}@media all and (max-width: 1024px){.kb-row-layout-id340_9e69d2-26 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );padding-top:var(--global-kb-spacing-xl, 4rem);padding-bottom:var(--global-kb-spacing-3xl, 6.5rem);grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id340_9e69d2-26 > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}}<\/style><header class=\"kb-row-layout-wrap kb-row-layout-id340_9e69d2-26 alignfull has-theme-palette2-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-middle kb-theme-content-width\">\n<style>.kadence-column340_8ea14e-45 > .kt-inside-inner-col,.kadence-column340_8ea14e-45 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column340_8ea14e-45 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column340_8ea14e-45 > .kt-inside-inner-col{flex-direction:column;}.kadence-column340_8ea14e-45 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column340_8ea14e-45 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column340_8ea14e-45{position:relative;}@media all and (max-width: 1024px){.kadence-column340_8ea14e-45 > .kt-inside-inner-col{padding-right:0px;flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column340_8ea14e-45{text-align:center;}}@media all and (max-width: 767px){.kadence-column340_8ea14e-45 > .kt-inside-inner-col{display:flex;min-height:287px;row-gap:0px;flex-direction:column;justify-content:center;}.kt-row-column-wrap > .kadence-column340_8ea14e-45{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column340_8ea14e-45{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column340_8ea14e-45 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column340_8ea14e-45{text-align:center;}.kadence-column340_8ea14e-45, .kt-inside-inner-col > .kadence-column340_8ea14e-45:not(.specificity){margin-bottom:0px;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column340_8ea14e-45 kb-section-dir-vertical inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading340_0ef69b-63, .wp-block-kadence-advancedheading.kt-adv-heading340_0ef69b-63[data-kb-block=\"kb-adv-heading340_0ef69b-63\"]{margin-top:0px;margin-bottom:var(--global-kb-spacing-lg, 3rem);font-size:var(--global-kb-font-size-xxl, 4rem);line-height:1.2;font-weight:700;font-style:normal;font-family:'Merriweather Sans';letter-spacing:-0.3px;}.wp-block-kadence-advancedheading.kt-adv-heading340_0ef69b-63 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading340_0ef69b-63[data-kb-block=\"kb-adv-heading340_0ef69b-63\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading340_0ef69b-63 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading340_0ef69b-63[data-kb-block=\"kb-adv-heading340_0ef69b-63\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading340_0ef69b-63, .wp-block-kadence-advancedheading.kt-adv-heading340_0ef69b-63[data-kb-block=\"kb-adv-heading340_0ef69b-63\"]{padding-left:var(--global-kb-spacing-xxs, 0.5rem);margin-top:var(--global-kb-spacing-auto, auto);margin-right:var(--global-kb-spacing-auto, auto);margin-left:var(--global-kb-spacing-auto, auto);font-size:var(--global-kb-font-size-lg, 2rem);text-align:left!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading340_0ef69b-63, .wp-block-kadence-advancedheading.kt-adv-heading340_0ef69b-63[data-kb-block=\"kb-adv-heading340_0ef69b-63\"]{margin-bottom:var(--global-kb-spacing-md, 2rem);letter-spacing:-0.66px;font-size:48px;}}<\/style>\n<h1 class=\"kt-adv-heading340_0ef69b-63 wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color\" data-kb-block=\"kb-adv-heading340_0ef69b-63\"><strong>Insurance Talk That Doesn\u2019t Make You Snooze <\/strong><\/h1>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading340_a3a7da-5e, .wp-block-kadence-advancedheading.kt-adv-heading340_a3a7da-5e[data-kb-block=\"kb-adv-heading340_a3a7da-5e\"]{margin-top:var(--global-kb-spacing-auto, auto);margin-right:var(--global-kb-spacing-auto, auto);margin-bottom:var(--global-kb-spacing-auto, auto);margin-left:var(--global-kb-spacing-auto, auto);font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;font-family:var( --global-body-font-family, inherit );letter-spacing:0.5px;}.wp-block-kadence-advancedheading.kt-adv-heading340_a3a7da-5e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading340_a3a7da-5e[data-kb-block=\"kb-adv-heading340_a3a7da-5e\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading340_a3a7da-5e img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading340_a3a7da-5e[data-kb-block=\"kb-adv-heading340_a3a7da-5e\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading340_a3a7da-5e, .wp-block-kadence-advancedheading.kt-adv-heading340_a3a7da-5e[data-kb-block=\"kb-adv-heading340_a3a7da-5e\"]{padding-left:var(--global-kb-spacing-xxs, 0.5rem);margin-top:var(--global-kb-spacing-auto, auto);margin-right:var(--global-kb-spacing-auto, auto);margin-bottom:var(--global-kb-spacing-auto, auto);margin-left:var(--global-kb-spacing-auto, auto);font-size:20px;text-align:left!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading340_a3a7da-5e, .wp-block-kadence-advancedheading.kt-adv-heading340_a3a7da-5e[data-kb-block=\"kb-adv-heading340_a3a7da-5e\"]{padding-bottom:var(--global-kb-spacing-xs, 1rem);margin-right:var(--global-kb-spacing-auto, auto);margin-bottom:var(--global-kb-spacing-auto, auto);margin-left:var(--global-kb-spacing-auto, auto);}}<\/style>\n<h4 class=\"kt-adv-heading340_a3a7da-5e wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color\" data-kb-block=\"kb-adv-heading340_a3a7da-5e\">We break down the confusing world of insurance with real talk, real stories, and zero boring jargon.  <br>                                                                                       <br><\/h4>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-left is-layout-flex wp-container-core-buttons-is-layout-497c4cc1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-theme-palette-2-color has-theme-palette-9-background-color has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/realrisktalk.com\/index.php\/blog\/\" style=\"border-radius:6px;padding-top:1.1rem;padding-right:29px;padding-bottom:1.1rem;padding-left:29px\">start reading<\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link has-theme-palette-9-color has-theme-palette-2-background-color has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/www.leadmanagementlab.com\/Form.aspx?id=2163e649-6acb-4f0d-a014-f944b91eefb6\" style=\"border-width:5px;border-radius:6px;padding-top:0.8rem;padding-right:2.1rem;padding-bottom:0.8rem;padding-left:2.1rem\"> get a quote <\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column340_12e19f-7f > .kt-inside-inner-col{display:flex;}.kadence-column340_12e19f-7f > .kt-inside-inner-col,.kadence-column340_12e19f-7f > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column340_12e19f-7f > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column340_12e19f-7f > .kt-inside-inner-col{flex-direction:column;justify-content:center;align-items:center;}.kadence-column340_12e19f-7f > .kt-inside-inner-col > .kb-image-is-ratio-size{align-self:stretch;}.kadence-column340_12e19f-7f > .kt-inside-inner-col > .wp-block-kadence-advancedgallery{align-self:stretch;}.kadence-column340_12e19f-7f > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column340_12e19f-7f{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column340_12e19f-7f{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column340_12e19f-7f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column340_12e19f-7f > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column340_12e19f-7f{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column340_12e19f-7f{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column340_12e19f-7f{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column340_12e19f-7f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column340_12e19f-7f > .kt-inside-inner-col{flex-direction:column;justify-content:center;align-items:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column340_12e19f-7f{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column340_12e19f-7f{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column340_12e19f-7f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column340_12e19f-7f > .kt-inside-inner-col{flex-direction:column;justify-content:center;align-items:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column340_12e19f-7f kvs-sm-false\"><div class=\"kt-inside-inner-col\"><div class=\"wp-block-image\">\n<figure class=\"alignright size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"375\" height=\"374\" src=\"https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/05\/real-risk.svg\" alt=\"\" class=\"wp-image-826\" style=\"aspect-ratio:1;object-fit:cover;width:423px;height:auto\"\/><\/figure><\/div><\/div><\/div>\n\n<\/div><\/header>\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading340_8a6c85-7e, .wp-block-kadence-advancedheading.kt-adv-heading340_8a6c85-7e[data-kb-block=\"kb-adv-heading340_8a6c85-7e\"]{padding-left:var(--global-kb-spacing-xs, 1rem);text-align:center;font-size:18px;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading340_8a6c85-7e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading340_8a6c85-7e[data-kb-block=\"kb-adv-heading340_8a6c85-7e\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading340_8a6c85-7e img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading340_8a6c85-7e[data-kb-block=\"kb-adv-heading340_8a6c85-7e\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading340_8a6c85-7e, .wp-block-kadence-advancedheading.kt-adv-heading340_8a6c85-7e[data-kb-block=\"kb-adv-heading340_8a6c85-7e\"]{font-size:22px;text-align:left!important;}}<\/style>\n<h4 class=\"kt-adv-heading340_8a6c85-7e wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading340_8a6c85-7e\">Serving South Carolina, North Carolina, and Georgia<\/h4>\n\n\n<style>.kadence-column340_801b23-86 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-md, 2rem);}.kadence-column340_801b23-86 > .kt-inside-inner-col,.kadence-column340_801b23-86 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column340_801b23-86 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column340_801b23-86 > .kt-inside-inner-col{flex-direction:column;}.kadence-column340_801b23-86 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column340_801b23-86 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column340_801b23-86{position:relative;}@media all and (max-width: 1024px){.kadence-column340_801b23-86 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column340_801b23-86 > .kt-inside-inner-col{display:flex;row-gap:var(--global-kb-gap-none, 0rem );flex-direction:column;justify-content:center;align-items:center;}.kt-row-column-wrap > .kadence-column340_801b23-86{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column340_801b23-86{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column340_801b23-86 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column340_801b23-86{text-align:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column340_801b23-86\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-id340_9801c4-a1 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id340_9801c4-a1 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id340_9801c4-a1 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);}.kb-row-layout-id340_9801c4-a1 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}.kb-row-layout-id340_9801c4-a1 > .kt-row-column-wrap{grid-template-columns:repeat(3, minmax(0, 1fr));}.kb-row-layout-id340_9801c4-a1 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id340_9801c4-a1 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}@media all and (max-width: 1024px){.kb-row-layout-id340_9801c4-a1 > .kt-row-column-wrap{grid-template-columns:repeat(3, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id340_9801c4-a1 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );grid-template-columns:minmax(0, calc(35% - ((var(--global-kb-gap-none, 0rem ) * 2 )\/3)))minmax(0, calc(35% - ((var(--global-kb-gap-none, 0rem ) * 2 )\/3)))minmax(0, calc(30% - ((var(--global-kb-gap-none, 0rem ) * 2 )\/3)));}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id340_9801c4-a1 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-3-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-equal kt-row-valign-top\">\n<style>.kadence-column340_b7c844-53 > .kt-inside-inner-col,.kadence-column340_b7c844-53 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column340_b7c844-53 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column340_b7c844-53 > .kt-inside-inner-col{flex-direction:column;}.kadence-column340_b7c844-53 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column340_b7c844-53 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column340_b7c844-53{position:relative;}@media all and (max-width: 1024px){.kadence-column340_b7c844-53 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column340_b7c844-53 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column340_b7c844-53\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading340_c00e60-7c, .wp-block-kadence-advancedheading.kt-adv-heading340_c00e60-7c[data-kb-block=\"kb-adv-heading340_c00e60-7c\"]{font-size:18px;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading340_c00e60-7c mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading340_c00e60-7c[data-kb-block=\"kb-adv-heading340_c00e60-7c\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading340_c00e60-7c img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading340_c00e60-7c[data-kb-block=\"kb-adv-heading340_c00e60-7c\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading340_c00e60-7c[data-kb-block=\"kb-adv-heading340_c00e60-7c\"] a, a.kb-advanced-heading-link.kt-adv-heading-link340_c00e60-7c{text-decoration:none;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading340_c00e60-7c, .wp-block-kadence-advancedheading.kt-adv-heading340_c00e60-7c[data-kb-block=\"kb-adv-heading340_c00e60-7c\"]{font-size:var(--global-kb-font-size-md, 1.25rem);}}<\/style>\n<p class=\"kt-adv-heading340_c00e60-7c wp-block-kadence-advancedheading hls-none\" data-kb-block=\"kb-adv-heading340_c00e60-7c\"><a href=\"https:\/\/realrisktalk.com\/index.php\/our-clients\/state-resources\/south-carolina-insurance\/\" data-type=\"page\" data-id=\"717\">+ SC Insurance<\/a><\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column340_3e6371-c8 > .kt-inside-inner-col,.kadence-column340_3e6371-c8 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column340_3e6371-c8 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column340_3e6371-c8 > .kt-inside-inner-col{flex-direction:column;}.kadence-column340_3e6371-c8 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column340_3e6371-c8 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column340_3e6371-c8{position:relative;}@media all and (max-width: 1024px){.kadence-column340_3e6371-c8 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column340_3e6371-c8 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column340_3e6371-c8\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading340_78f567-47, .wp-block-kadence-advancedheading.kt-adv-heading340_78f567-47[data-kb-block=\"kb-adv-heading340_78f567-47\"]{font-size:18px;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading340_78f567-47 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading340_78f567-47[data-kb-block=\"kb-adv-heading340_78f567-47\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading340_78f567-47 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading340_78f567-47[data-kb-block=\"kb-adv-heading340_78f567-47\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading340_78f567-47[data-kb-block=\"kb-adv-heading340_78f567-47\"] a, a.kb-advanced-heading-link.kt-adv-heading-link340_78f567-47{text-decoration:none;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading340_78f567-47, .wp-block-kadence-advancedheading.kt-adv-heading340_78f567-47[data-kb-block=\"kb-adv-heading340_78f567-47\"]{font-size:var(--global-kb-font-size-md, 1.25rem);}}<\/style>\n<p class=\"kt-adv-heading340_78f567-47 wp-block-kadence-advancedheading hls-none\" data-kb-block=\"kb-adv-heading340_78f567-47\"><a href=\"https:\/\/realrisktalk.com\/index.php\/our-clients\/state-resources\/north-carolina-insurance\/\" data-type=\"page\" data-id=\"718\">+ NC Insurance<\/a><\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column340_310cc4-0f > .kt-inside-inner-col,.kadence-column340_310cc4-0f > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column340_310cc4-0f > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column340_310cc4-0f > .kt-inside-inner-col{flex-direction:column;}.kadence-column340_310cc4-0f > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column340_310cc4-0f > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column340_310cc4-0f{position:relative;}@media all and (max-width: 1024px){.kadence-column340_310cc4-0f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column340_310cc4-0f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column340_310cc4-0f\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading340_60410e-5e, .wp-block-kadence-advancedheading.kt-adv-heading340_60410e-5e[data-kb-block=\"kb-adv-heading340_60410e-5e\"]{font-size:18px;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading340_60410e-5e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading340_60410e-5e[data-kb-block=\"kb-adv-heading340_60410e-5e\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading340_60410e-5e img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading340_60410e-5e[data-kb-block=\"kb-adv-heading340_60410e-5e\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading340_60410e-5e[data-kb-block=\"kb-adv-heading340_60410e-5e\"] a, a.kb-advanced-heading-link.kt-adv-heading-link340_60410e-5e{text-decoration:none;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading340_60410e-5e, .wp-block-kadence-advancedheading.kt-adv-heading340_60410e-5e[data-kb-block=\"kb-adv-heading340_60410e-5e\"]{max-width:680px;font-size:var(--global-kb-font-size-md, 1.25rem);}}<\/style>\n<p class=\"kt-adv-heading340_60410e-5e wp-block-kadence-advancedheading hls-none\" data-kb-block=\"kb-adv-heading340_60410e-5e\"><a href=\"https:\/\/realrisktalk.com\/index.php\/our-clients\/state-resources\/georgia-insurance\/\" data-type=\"page\" data-id=\"728\">+ GA Insurance<\/a><\/p>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n\n<style>.kadence-column340_73fe1e-b2 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-md, 2rem);}.kadence-column340_73fe1e-b2 > .kt-inside-inner-col,.kadence-column340_73fe1e-b2 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column340_73fe1e-b2 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column340_73fe1e-b2 > .kt-inside-inner-col{flex-direction:column;}.kadence-column340_73fe1e-b2 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column340_73fe1e-b2 > .kt-inside-inner-col{background-color:var(--global-palette8, #F7FAFC);}.kadence-column340_73fe1e-b2 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column340_73fe1e-b2{position:relative;}@media all and (max-width: 1024px){.kadence-column340_73fe1e-b2 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column340_73fe1e-b2 > .kt-inside-inner-col{display:flex;row-gap:0px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column340_73fe1e-b2\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading340_5e8c79-f9, .wp-block-kadence-advancedheading.kt-adv-heading340_5e8c79-f9[data-kb-block=\"kb-adv-heading340_5e8c79-f9\"]{font-size:27px;font-weight:500;font-style:normal;font-family:Merriweather;letter-spacing:-0.09px;border-top-left-radius:6px;border-top-right-radius:6px;border-bottom-right-radius:6px;border-bottom-left-radius:6px;}.wp-block-kadence-advancedheading.kt-adv-heading340_5e8c79-f9 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading340_5e8c79-f9[data-kb-block=\"kb-adv-heading340_5e8c79-f9\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading340_5e8c79-f9 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading340_5e8c79-f9[data-kb-block=\"kb-adv-heading340_5e8c79-f9\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading340_5e8c79-f9, .wp-block-kadence-advancedheading.kt-adv-heading340_5e8c79-f9[data-kb-block=\"kb-adv-heading340_5e8c79-f9\"]{padding-right:var(--global-kb-spacing-xs, 1rem);padding-left:0px;margin-right:var(--global-kb-spacing-xs, 1rem);margin-left:var(--global-kb-spacing-xs, 1rem);font-size:18px;}}<\/style>\n<h6 class=\"kt-adv-heading340_5e8c79-f9 wp-block-kadence-advancedheading has-theme-palette-4-color has-text-color\" data-kb-block=\"kb-adv-heading340_5e8c79-f9\">Find What You Need<\/h6>\n\n\n<form role=\"search\" method=\"get\" action=\"https:\/\/realrisktalk.com\/\" style=\"margin-right:var(--wp--preset--spacing--20);margin-left:var(--wp--preset--spacing--20);\" class=\"wp-block-search__no-button wp-block-search\"    ><label class=\"wp-block-search__label screen-reader-text\" for=\"wp-block-search__input-2\" >Search<\/label><div class=\"wp-block-search__inside-wrapper \"  style=\"width: 100%\"><input class=\"wp-block-search__input\" id=\"wp-block-search__input-2\" placeholder=\"Search articles, topics or questions\" value=\"\" type=\"search\" name=\"s\" required \/><\/div><\/form><\/div><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading340_1cb611-50, .wp-block-kadence-advancedheading.kt-adv-heading340_1cb611-50[data-kb-block=\"kb-adv-heading340_1cb611-50\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading340_1cb611-50 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading340_1cb611-50[data-kb-block=\"kb-adv-heading340_1cb611-50\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading340_1cb611-50 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading340_1cb611-50[data-kb-block=\"kb-adv-heading340_1cb611-50\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading340_1cb611-50 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading340_1cb611-50\">Featured<\/h3>\n\n\n<style>.kadence-column340_c96540-c7 > .kt-inside-inner-col,.kadence-column340_c96540-c7 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column340_c96540-c7 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column340_c96540-c7 > .kt-inside-inner-col{flex-direction:column;}.kadence-column340_c96540-c7 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column340_c96540-c7 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column340_c96540-c7{position:relative;}@media all and (max-width: 1024px){.kadence-column340_c96540-c7 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column340_c96540-c7 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column340_c96540-c7\"><div class=\"kt-inside-inner-col\"><style>.kb-posts-id-340_62c4d1-e6 .entry.loop-entry .entry-header .entry-title{font-size:var(--global-kb-font-size-lg, 2rem);}.kb-posts-id-340_62c4d1-e6 .kb-post-list-item{display:grid;}<\/style><ul class=\"wp-block-kadence-posts kb-posts kadence-posts-list kb-posts-id-340_62c4d1-e6 content-wrap grid-cols kb-posts-style-boxed grid-sm-col-1 grid-lg-col-1 item-image-style-beside\"><li class=\"kb-post-list-item\">\n\t<article class=\"entry content-bg loop-entry post-1 post type-post status-publish format-standard has-post-thumbnail hentry category-auto-insurance category-coverage-breakdown category-faq category-insurance-101 category-real-risk-stories tag-auto-coverage tag-car-insurance tag-faq tag-insurance-101 tag-insurance-tips tag-maintenance tag-real-risk-stories\">\n\t\t\t\t<a aria-hidden=\"true\" tabindex=\"-1\" role=\"presentation\" class=\"post-thumbnail kadence-thumbnail-ratio-3-4\" href=\"https:\/\/realrisktalk.com\/index.php\/auto-insurance\/check-engine-light-covered\/\" aria-label=\"Your Car&#8217;s &#8220;Check Engine&#8221; Light Just Came On. Is It Covered?\">\n\t\t\t<div class=\"post-thumbnail-inner\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/04\/BLOG-In-post-Header-or-Section-Images-1200-x-800.jpg\" class=\"attachment-full size-full wp-post-image\" alt=\"check engine warning light glowing on car dashboard\" srcset=\"https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/04\/BLOG-In-post-Header-or-Section-Images-1200-x-800.jpg 1200w, https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/04\/BLOG-In-post-Header-or-Section-Images-1200-x-800-300x200.jpg 300w, https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/04\/BLOG-In-post-Header-or-Section-Images-1200-x-800-1024x683.jpg 1024w, https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/04\/BLOG-In-post-Header-or-Section-Images-1200-x-800-768x512.jpg 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/>\t\t\t<\/div>\n\t\t<\/a><!-- .post-thumbnail -->\n\t\t\t\t<div class=\"entry-content-wrap\">\n\t\t\t<header class=\"entry-header\">\n\t<h5 class=\"entry-title\"><a href=\"https:\/\/realrisktalk.com\/index.php\/auto-insurance\/check-engine-light-covered\/\" rel=\"bookmark\">Your Car&#8217;s &#8220;Check Engine&#8221; Light Just Came On. Is It Covered?<\/a><\/h5><\/header><!-- .entry-header -->\n\t<div class=\"entry-summary\">\n\t\t<p>That dreaded check engine light just appeared on your dashboard. Will your car insurance help with repairs? Learn what&#8217;s covered before you&#8217;re stuck with an unexpected bill.<\/p>\n\t<\/div><!-- .entry-summary -->\n\t<footer class=\"entry-footer\">\n\t\t\t<div class=\"entry-actions\">\n\t\t\t<p class=\"more-link-wrap\">\n\t\t\t\t<a href=\"https:\/\/realrisktalk.com\/index.php\/auto-insurance\/check-engine-light-covered\/\" class=\"post-more-link\">\n\t\t\t\t\tRead More<span class=\"screen-reader-text\"> Your Car&#8217;s &#8220;Check Engine&#8221; Light Just Came On. Is It Covered?<\/span><span class=\"kadence-svg-iconset svg-baseline\"><svg aria-hidden=\"true\" class=\"kadence-svg-icon kadence-arrow-right-alt-svg\" fill=\"currentColor\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"28\" viewBox=\"0 0 27 28\"><title>Continue<\/title><path d=\"M27 13.953c0 0.141-0.063 0.281-0.156 0.375l-6 5.531c-0.156 0.141-0.359 0.172-0.547 0.094-0.172-0.078-0.297-0.25-0.297-0.453v-3.5h-19.5c-0.281 0-0.5-0.219-0.5-0.5v-3c0-0.281 0.219-0.5 0.5-0.5h19.5v-3.5c0-0.203 0.109-0.375 0.297-0.453s0.391-0.047 0.547 0.078l6 5.469c0.094 0.094 0.156 0.219 0.156 0.359v0z\"><\/path>\n\t\t\t<\/svg><\/span>\t\t\t\t<\/a>\n\t\t\t<\/p>\n\t\t<\/div><!-- .entry-actions -->\n\t\t<\/footer><!-- .entry-footer -->\t\t<\/div>\n\t<\/article>\n<\/li>\n<\/ul><\/div><\/div>\n\n\n<style>.wp-block-kadence-spacer.kt-block-spacer-340_5a7806-ce .kt-block-spacer{height:46px;}.wp-block-kadence-spacer.kt-block-spacer-340_5a7806-ce .kt-divider{border-top-width:1px;height:1px;border-top-color:rgba(247, 250, 252, 0.01);width:17%;border-top-style:solid;}@media all and (max-width: 767px){.wp-block-kadence-spacer.kt-block-spacer-340_5a7806-ce .kt-block-spacer{height:25px!important;}}<\/style>\n<div class=\"wp-block-kadence-spacer aligncenter kt-block-spacer-340_5a7806-ce\"><div class=\"kt-block-spacer kt-block-spacer-halign-center\"><hr class=\"kt-divider\"\/><\/div><\/div>\n\n\n<style>.kb-row-layout-id340_e09ee5-c3 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id340_e09ee5-c3 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id340_e09ee5-c3 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:58px;padding-top:var(--global-kb-spacing-xl, 4rem);padding-bottom:var(--global-kb-spacing-xl, 4rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id340_e09ee5-c3 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id340_e09ee5-c3 > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-md, 2rem);grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id340_e09ee5-c3 > .kt-row-column-wrap{padding-right:10px;padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:10px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id340_e09ee5-c3 alignfull has-theme-palette9-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column340_567136-1c > .kt-inside-inner-col{border-top:15px solid var(--global-palette8, #F7FAFC);border-right:15px solid var(--global-palette8, #F7FAFC);border-bottom:15px solid var(--global-palette8, #F7FAFC);border-left:15px solid var(--global-palette8, #F7FAFC);}.kadence-column340_567136-1c > .kt-inside-inner-col,.kadence-column340_567136-1c > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column340_567136-1c > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column340_567136-1c > .kt-inside-inner-col{flex-direction:column;}.kadence-column340_567136-1c > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column340_567136-1c > .kt-inside-inner-col{background-color:var(--global-palette8, #F7FAFC);}.kadence-column340_567136-1c > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column340_567136-1c{position:relative;}@media all and (max-width: 1024px){.kadence-column340_567136-1c > .kt-inside-inner-col{border-top:15px solid var(--global-palette8, #F7FAFC);border-right:15px solid var(--global-palette8, #F7FAFC);border-bottom:15px solid var(--global-palette8, #F7FAFC);border-left:15px solid var(--global-palette8, #F7FAFC);flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column340_567136-1c > .kt-inside-inner-col{border-top:15px solid var(--global-palette8, #F7FAFC);border-right:15px solid var(--global-palette8, #F7FAFC);border-bottom:15px solid var(--global-palette8, #F7FAFC);border-left:15px solid var(--global-palette8, #F7FAFC);flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column340_567136-1c\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading340_1fb3d2-ad, .wp-block-kadence-advancedheading.kt-adv-heading340_1fb3d2-ad[data-kb-block=\"kb-adv-heading340_1fb3d2-ad\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading340_1fb3d2-ad mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading340_1fb3d2-ad[data-kb-block=\"kb-adv-heading340_1fb3d2-ad\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading340_1fb3d2-ad img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading340_1fb3d2-ad[data-kb-block=\"kb-adv-heading340_1fb3d2-ad\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading340_1fb3d2-ad, .wp-block-kadence-advancedheading.kt-adv-heading340_1fb3d2-ad[data-kb-block=\"kb-adv-heading340_1fb3d2-ad\"]{font-size:26px;}}<\/style>\n<h2 class=\"kt-adv-heading340_1fb3d2-ad wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading340_1fb3d2-ad\">Latest Articles<\/h2>\n\n\n\n<p class=\"has-medium-font-size\"><a href=\"https:\/\/realrisktalk.com\/index.php\/blog\/\" data-type=\"page\" data-id=\"43\">View All<\/a><\/p>\n\n\n<style>.kb-posts-id-340_d3ea36-66 .entry.loop-entry .entry-header .entry-title{font-size:25px;}.kb-posts-id-340_d3ea36-66 .kb-post-list-item{display:grid;}@media all and (max-width: 1024px){.kb-posts-id-340_d3ea36-66 .entry.loop-entry .entry-header .entry-title{font-size:25px;line-height:26px;}}<\/style><ul class=\"wp-block-kadence-posts kb-posts kadence-posts-list kb-posts-id-340_d3ea36-66 content-wrap grid-cols kb-posts-style-boxed grid-sm-col-3 grid-lg-col-3 item-image-style-above\"><li class=\"kb-post-list-item\">\n\t<article class=\"entry content-bg loop-entry post-246 post type-post status-publish format-standard has-post-thumbnail hentry category-coverage-breakdown category-home-insurance category-insurance-101 tag-coverage-gaps tag-homeowners-insurance-tips tag-insurance-101 tag-policy-review\">\n\t\t\t\t<a aria-hidden=\"true\" tabindex=\"-1\" role=\"presentation\" class=\"post-thumbnail kadence-thumbnail-ratio-2-3\" href=\"https:\/\/realrisktalk.com\/index.php\/home-insurance\/home-insurance-surprises\/\" aria-label=\"&#8220;But I Thought I Was Covered&#8221; &#8211; 5 Home Insurance Surprises\">\n\t\t\t<div class=\"post-thumbnail-inner\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"842\" src=\"https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/05\/pexels-mikhail-nilov-7731335-1024x842.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"homeowner reviewing homeowners insurance policy with insurance agent\" srcset=\"https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/05\/pexels-mikhail-nilov-7731335-1024x842.jpg 1024w, https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/05\/pexels-mikhail-nilov-7731335-300x247.jpg 300w, https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/05\/pexels-mikhail-nilov-7731335-768x631.jpg 768w, https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/05\/pexels-mikhail-nilov-7731335-1536x1262.jpg 1536w, https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/05\/pexels-mikhail-nilov-7731335-2048x1683.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t<\/div>\n\t\t<\/a><!-- .post-thumbnail -->\n\t\t\t\t<div class=\"entry-content-wrap\">\n\t\t\t<header class=\"entry-header\">\n\t\t<div class=\"entry-taxonomies\">\n\t\t<span class=\"category-links term-links category-style-normal\">\n\t\t\t<a href=\"https:\/\/realrisktalk.com\/index.php\/category\/insurance-101\/coverage-breakdown\/\" class=\"category-link-coverage-breakdown\" rel=\"tag\">Coverage Breakdown<\/a> | <a href=\"https:\/\/realrisktalk.com\/index.php\/category\/home-insurance\/\" class=\"category-link-home-insurance\" rel=\"tag\">Home Insurance<\/a> | <a href=\"https:\/\/realrisktalk.com\/index.php\/category\/insurance-101\/\" class=\"category-link-insurance-101\" rel=\"tag\">Insurance 101<\/a>\t\t<\/span>\n\t<\/div><!-- .entry-taxonomies -->\n\t<h5 class=\"entry-title\"><a href=\"https:\/\/realrisktalk.com\/index.php\/home-insurance\/home-insurance-surprises\/\" rel=\"bookmark\">&#8220;But I Thought I Was Covered&#8221; &#8211; 5 Home Insurance Surprises<\/a><\/h5>\t<div class=\"entry-meta entry-meta-divider-dot\">\n\t\t<\/div><!-- .entry-meta -->\n\t<\/header><!-- .entry-header -->\n\t<div class=\"entry-summary\">\n\t\t<p>If you\u2019ve ever skimmed your home insurance policy (or let\u2019s be honest, shoved it in a drawer), you\u2019re not alone. Most of us just assume we\u2019re covered for whatever life throws at us, until we find out the hard way that\u00a0some\u00a0disasters fall into the \u201cyou\u2019re on your own\u201d category.<\/p>\n\t<\/div><!-- .entry-summary -->\n\t<footer class=\"entry-footer\">\n\t\t\t<div class=\"entry-actions\">\n\t\t\t<p class=\"more-link-wrap\">\n\t\t\t\t<a href=\"https:\/\/realrisktalk.com\/index.php\/home-insurance\/home-insurance-surprises\/\" class=\"post-more-link\">\n\t\t\t\t\tRead More<span class=\"screen-reader-text\"> &#8220;But I Thought I Was Covered&#8221; &#8211; 5 Home Insurance Surprises<\/span><span class=\"kadence-svg-iconset svg-baseline\"><svg aria-hidden=\"true\" class=\"kadence-svg-icon kadence-arrow-right-alt-svg\" fill=\"currentColor\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"28\" viewBox=\"0 0 27 28\"><title>Continue<\/title><path d=\"M27 13.953c0 0.141-0.063 0.281-0.156 0.375l-6 5.531c-0.156 0.141-0.359 0.172-0.547 0.094-0.172-0.078-0.297-0.25-0.297-0.453v-3.5h-19.5c-0.281 0-0.5-0.219-0.5-0.5v-3c0-0.281 0.219-0.5 0.5-0.5h19.5v-3.5c0-0.203 0.109-0.375 0.297-0.453s0.391-0.047 0.547 0.078l6 5.469c0.094 0.094 0.156 0.219 0.156 0.359v0z\"><\/path>\n\t\t\t<\/svg><\/span>\t\t\t\t<\/a>\n\t\t\t<\/p>\n\t\t<\/div><!-- .entry-actions -->\n\t\t<\/footer><!-- .entry-footer -->\t\t<\/div>\n\t<\/article>\n<\/li>\n<li class=\"kb-post-list-item\">\n\t<article class=\"entry content-bg loop-entry post-1945 post type-post status-publish format-standard has-post-thumbnail hentry category-insurance-tips tag-checklist tag-coverage-exclusions tag-home-repairs tag-homeowners-insurance-tips\">\n\t\t\t\t<a aria-hidden=\"true\" tabindex=\"-1\" role=\"presentation\" class=\"post-thumbnail kadence-thumbnail-ratio-2-3\" href=\"https:\/\/realrisktalk.com\/index.php\/insurance-tips\/5-simple-home-tasks-that-prevent-catastrophic-insurance-claims\/\" aria-label=\"5 Simple Home Tasks That Prevent Catastrophic Insurance Claims\">\n\t\t\t<div class=\"post-thumbnail-inner\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/06\/32497161-1024x683.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"A homeowner inspecting a water heater in a basement, with tools and a flashlight nearby.\" srcset=\"https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/06\/32497161-1024x683.jpg 1024w, https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/06\/32497161-300x200.jpg 300w, https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/06\/32497161-768x512.jpg 768w, https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/06\/32497161-1536x1024.jpg 1536w, https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/06\/32497161-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t<\/div>\n\t\t<\/a><!-- .post-thumbnail -->\n\t\t\t\t<div class=\"entry-content-wrap\">\n\t\t\t<header class=\"entry-header\">\n\t\t<div class=\"entry-taxonomies\">\n\t\t<span class=\"category-links term-links category-style-normal\">\n\t\t\t<a href=\"https:\/\/realrisktalk.com\/index.php\/category\/insurance-tips\/\" class=\"category-link-insurance-tips\" rel=\"tag\">Insurance Tips<\/a>\t\t<\/span>\n\t<\/div><!-- .entry-taxonomies -->\n\t<h5 class=\"entry-title\"><a href=\"https:\/\/realrisktalk.com\/index.php\/insurance-tips\/5-simple-home-tasks-that-prevent-catastrophic-insurance-claims\/\" rel=\"bookmark\">5 Simple Home Tasks That Prevent Catastrophic Insurance Claims<\/a><\/h5>\t<div class=\"entry-meta entry-meta-divider-dot\">\n\t\t<\/div><!-- .entry-meta -->\n\t<\/header><!-- .entry-header -->\n\t<div class=\"entry-summary\">\n\t\t<p>The sound was soft, almost soothing. A slow drip beneath the upstairs bathroom sink had been going on for weeks, barely noticeable amid the rush of daily life. But one evening, while the family watched a movie downstairs, a loud crack echoed through the living room. The ceiling buckled, then gave way. Water poured through, soaking furniture, carpet, and memories.<\/p>\n<p>What started as a small, easily fixable issue turned into a major insurance claim and a stressful discovery that not everything would be covered.<\/p>\n\t<\/div><!-- .entry-summary -->\n\t<footer class=\"entry-footer\">\n\t\t\t<div class=\"entry-actions\">\n\t\t\t<p class=\"more-link-wrap\">\n\t\t\t\t<a href=\"https:\/\/realrisktalk.com\/index.php\/insurance-tips\/5-simple-home-tasks-that-prevent-catastrophic-insurance-claims\/\" class=\"post-more-link\">\n\t\t\t\t\tRead More<span class=\"screen-reader-text\"> 5 Simple Home Tasks That Prevent Catastrophic Insurance Claims<\/span><span class=\"kadence-svg-iconset svg-baseline\"><svg aria-hidden=\"true\" class=\"kadence-svg-icon kadence-arrow-right-alt-svg\" fill=\"currentColor\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"28\" viewBox=\"0 0 27 28\"><title>Continue<\/title><path d=\"M27 13.953c0 0.141-0.063 0.281-0.156 0.375l-6 5.531c-0.156 0.141-0.359 0.172-0.547 0.094-0.172-0.078-0.297-0.25-0.297-0.453v-3.5h-19.5c-0.281 0-0.5-0.219-0.5-0.5v-3c0-0.281 0.219-0.5 0.5-0.5h19.5v-3.5c0-0.203 0.109-0.375 0.297-0.453s0.391-0.047 0.547 0.078l6 5.469c0.094 0.094 0.156 0.219 0.156 0.359v0z\"><\/path>\n\t\t\t<\/svg><\/span>\t\t\t\t<\/a>\n\t\t\t<\/p>\n\t\t<\/div><!-- .entry-actions -->\n\t\t<\/footer><!-- .entry-footer -->\t\t<\/div>\n\t<\/article>\n<\/li>\n<li class=\"kb-post-list-item\">\n\t<article class=\"entry content-bg loop-entry post-1671 post type-post status-publish format-standard has-post-thumbnail hentry category-umbrella-insurance category-uncategorized tag-liability-coverage tag-real-risk-stories tag-umbrella-policy\">\n\t\t\t\t<a aria-hidden=\"true\" tabindex=\"-1\" role=\"presentation\" class=\"post-thumbnail kadence-thumbnail-ratio-2-3\" href=\"https:\/\/realrisktalk.com\/index.php\/uncategorized\/they-declined-umbrella-coverage-and-regretted-it-too-late-are-you-leaving-yourself-exposed\/\" aria-label=\"They Declined Umbrella Coverage \u2014 And Regretted It Too Late, Are You Leaving Yourself Exposed?\">\n\t\t\t<div class=\"post-thumbnail-inner\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/05\/BLOG-In-post-Header-or-Section-Images-1200-x-800-1024x683.png\" class=\"attachment-large size-large wp-post-image\" alt=\"Damaged bicycle and car after accident showing importance of umbrella insurance coverage to protect against major liability claims\" srcset=\"https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/05\/BLOG-In-post-Header-or-Section-Images-1200-x-800-1024x683.png 1024w, https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/05\/BLOG-In-post-Header-or-Section-Images-1200-x-800-300x200.png 300w, https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/05\/BLOG-In-post-Header-or-Section-Images-1200-x-800-768x512.png 768w, https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/05\/BLOG-In-post-Header-or-Section-Images-1200-x-800.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t<\/div>\n\t\t<\/a><!-- .post-thumbnail -->\n\t\t\t\t<div class=\"entry-content-wrap\">\n\t\t\t<header class=\"entry-header\">\n\t\t<div class=\"entry-taxonomies\">\n\t\t<span class=\"category-links term-links category-style-normal\">\n\t\t\t<a href=\"https:\/\/realrisktalk.com\/index.php\/category\/specialty-insurance\/umbrella-insurance\/\" class=\"category-link-umbrella-insurance\" rel=\"tag\">Umbrella Insurance<\/a> | <a href=\"https:\/\/realrisktalk.com\/index.php\/category\/uncategorized\/\" class=\"category-link-uncategorized\" rel=\"tag\">Uncategorized<\/a>\t\t<\/span>\n\t<\/div><!-- .entry-taxonomies -->\n\t<h5 class=\"entry-title\"><a href=\"https:\/\/realrisktalk.com\/index.php\/uncategorized\/they-declined-umbrella-coverage-and-regretted-it-too-late-are-you-leaving-yourself-exposed\/\" rel=\"bookmark\">They Declined Umbrella Coverage \u2014 And Regretted It Too Late, Are You Leaving Yourself Exposed?<\/a><\/h5>\t<div class=\"entry-meta entry-meta-divider-dot\">\n\t\t<\/div><!-- .entry-meta -->\n\t<\/header><!-- .entry-header -->\n\t<div class=\"entry-summary\">\n\t\t<p>A family declined umbrella insurance coverage and faced financial ruin after a cycling accident. Learn why umbrella coverage protects your assets and future income.<\/p>\n\t<\/div><!-- .entry-summary -->\n\t<footer class=\"entry-footer\">\n\t\t\t<div class=\"entry-actions\">\n\t\t\t<p class=\"more-link-wrap\">\n\t\t\t\t<a href=\"https:\/\/realrisktalk.com\/index.php\/uncategorized\/they-declined-umbrella-coverage-and-regretted-it-too-late-are-you-leaving-yourself-exposed\/\" class=\"post-more-link\">\n\t\t\t\t\tRead More<span class=\"screen-reader-text\"> They Declined Umbrella Coverage \u2014 And Regretted It Too Late, Are You Leaving Yourself Exposed?<\/span><span class=\"kadence-svg-iconset svg-baseline\"><svg aria-hidden=\"true\" class=\"kadence-svg-icon kadence-arrow-right-alt-svg\" fill=\"currentColor\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"28\" viewBox=\"0 0 27 28\"><title>Continue<\/title><path d=\"M27 13.953c0 0.141-0.063 0.281-0.156 0.375l-6 5.531c-0.156 0.141-0.359 0.172-0.547 0.094-0.172-0.078-0.297-0.25-0.297-0.453v-3.5h-19.5c-0.281 0-0.5-0.219-0.5-0.5v-3c0-0.281 0.219-0.5 0.5-0.5h19.5v-3.5c0-0.203 0.109-0.375 0.297-0.453s0.391-0.047 0.547 0.078l6 5.469c0.094 0.094 0.156 0.219 0.156 0.359v0z\"><\/path>\n\t\t\t<\/svg><\/span>\t\t\t\t<\/a>\n\t\t\t<\/p>\n\t\t<\/div><!-- .entry-actions -->\n\t\t<\/footer><!-- .entry-footer -->\t\t<\/div>\n\t<\/article>\n<\/li>\n<\/ul><\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kadence-column340_61b21d-48 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-xxl, 5rem);}.kadence-column340_61b21d-48 > .kt-inside-inner-col,.kadence-column340_61b21d-48 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column340_61b21d-48 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column340_61b21d-48 > .kt-inside-inner-col{flex-direction:column;}.kadence-column340_61b21d-48 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column340_61b21d-48 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column340_61b21d-48{position:relative;}@media all and (max-width: 1024px){.kadence-column340_61b21d-48 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column340_61b21d-48 > .kt-inside-inner-col{padding-bottom:0px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column340_61b21d-48\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id340_0da6f6-c2{margin-top:var(--global-kb-spacing-xxs, 0.5rem);margin-bottom:0px;}.kb-row-layout-id340_0da6f6-c2 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id340_0da6f6-c2 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id340_0da6f6-c2 > .kt-row-column-wrap{column-gap:92px;row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-xs, 1rem);padding-right:0px;padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:0px;grid-template-columns:minmax(0, calc(55% - ((92px * 1 )\/2)))minmax(0, calc(45% - ((92px * 1 )\/2)));}.kb-row-layout-id340_0da6f6-c2 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id340_0da6f6-c2 > .kt-row-column-wrap{grid-template-columns:minmax(0, 2fr) minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id340_0da6f6-c2 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id340_0da6f6-c2 alignnone has-theme-palette9-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-left-golden kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column340_49dfa5-11 > .kt-inside-inner-col{display:flex;}.kadence-column340_49dfa5-11 > .kt-inside-inner-col,.kadence-column340_49dfa5-11 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column340_49dfa5-11 > .kt-inside-inner-col{row-gap:var(--global-kb-gap-none, 0rem );column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column340_49dfa5-11 > .kt-inside-inner-col{flex-direction:column;justify-content:center;align-items:flex-start;}.kadence-column340_49dfa5-11 > .kt-inside-inner-col > .kb-image-is-ratio-size{align-self:stretch;}.kadence-column340_49dfa5-11 > .kt-inside-inner-col > .wp-block-kadence-advancedgallery{align-self:stretch;}.kadence-column340_49dfa5-11 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column340_49dfa5-11{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column340_49dfa5-11{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column340_49dfa5-11 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column340_49dfa5-11 > .kt-inside-inner-col:before{opacity:0.3;background-color:var(--global-palette9, #ffffff);}.kadence-column340_49dfa5-11{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column340_49dfa5-11{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column340_49dfa5-11{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column340_49dfa5-11 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column340_49dfa5-11 > .kt-inside-inner-col{flex-direction:column;justify-content:center;align-items:flex-start;}}@media all and (max-width: 767px){.kadence-column340_49dfa5-11 > .kt-inside-inner-col{padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);flex-direction:column;justify-content:center;align-items:flex-start;}.kt-row-column-wrap > .kadence-column340_49dfa5-11{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column340_49dfa5-11{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column340_49dfa5-11 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column340_49dfa5-11, .kt-inside-inner-col > .kadence-column340_49dfa5-11:not(.specificity){margin-left:var(--global-kb-spacing-xxs, 0.5rem);}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column340_49dfa5-11 kb-section-has-overlay kb-section-dir-vertical\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading340_7f492d-96, .wp-block-kadence-advancedheading.kt-adv-heading340_7f492d-96[data-kb-block=\"kb-adv-heading340_7f492d-96\"]{font-size:28px;font-weight:400;font-style:normal;font-family:Merriweather;letter-spacing:0px;}.wp-block-kadence-advancedheading.kt-adv-heading340_7f492d-96 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading340_7f492d-96[data-kb-block=\"kb-adv-heading340_7f492d-96\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading340_7f492d-96 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading340_7f492d-96[data-kb-block=\"kb-adv-heading340_7f492d-96\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading340_7f492d-96 wp-block-kadence-advancedheading has-theme-palette-4-color has-text-color\" data-kb-block=\"kb-adv-heading340_7f492d-96\"><strong><a href=\"https:\/\/realrisktalk.com\/index.php\/insurance-dictionary\/\" data-type=\"page\" data-id=\"773\">Insurance Dictionary<\/a><\/strong><br><\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading340_caab84-66, .wp-block-kadence-advancedheading.kt-adv-heading340_caab84-66[data-kb-block=\"kb-adv-heading340_caab84-66\"]{display:block;padding-left:0px;font-size:17px;line-height:1;font-weight:500;font-style:normal;font-family:'Open Sans';letter-spacing:0px;}.wp-block-kadence-advancedheading.kt-adv-heading340_caab84-66 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading340_caab84-66[data-kb-block=\"kb-adv-heading340_caab84-66\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading340_caab84-66 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading340_caab84-66[data-kb-block=\"kb-adv-heading340_caab84-66\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading340_caab84-66, .wp-block-kadence-advancedheading.kt-adv-heading340_caab84-66[data-kb-block=\"kb-adv-heading340_caab84-66\"]{padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);margin-top:var(--global-kb-spacing-xxs, 0.5rem);margin-bottom:var(--global-kb-spacing-xs, 1rem);font-size:18px;line-height:1.6;}}<\/style>\n<span class=\"kt-adv-heading340_caab84-66 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading340_caab84-66\">Insurance jargon, translated into actual human language<br><\/span>\n<\/div><\/div>\n\n\n<style>.kadence-column340_699860-07 > .kt-inside-inner-col{display:flex;}.kadence-column340_699860-07 > .kt-inside-inner-col{padding-right:var(--global-kb-spacing-xxs, 0.5rem);}.kadence-column340_699860-07 > .kt-inside-inner-col,.kadence-column340_699860-07 > .kt-inside-inner-col:before{border-top-left-radius:4px;border-top-right-radius:4px;border-bottom-right-radius:4px;border-bottom-left-radius:4px;}.kadence-column340_699860-07 > .kt-inside-inner-col{row-gap:var(--global-kb-gap-none, 0rem );column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column340_699860-07 > .kt-inside-inner-col{flex-direction:column;align-items:stretch;}.kadence-column340_699860-07 > .kt-inside-inner-col > .kb-image-is-ratio-size{align-self:stretch;}.kadence-column340_699860-07 > .kt-inside-inner-col > .wp-block-kadence-advancedgallery{align-self:stretch;}.kadence-column340_699860-07 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column340_699860-07 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column340_699860-07{position:relative;}@media all and (max-width: 1024px){.kadence-column340_699860-07 > .kt-inside-inner-col{flex-direction:column;justify-content:center;align-items:stretch;}}@media all and (max-width: 767px){.kadence-column340_699860-07 > .kt-inside-inner-col{flex-direction:column;justify-content:center;align-items:stretch;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column340_699860-07\"><div class=\"kt-inside-inner-col\"><style>.kb-search340_f7a373-f0 .kb-search-input[type=\"text\"]{font-family:'Open Sans';font-weight:400;border-top:1px solid #dee2e6;border-right:1px solid #dee2e6;border-bottom:1px solid #dee2e6;border-left:1px solid #dee2e6;}.kb-search340_f7a373-f0 .kb-search-icon svg{fill:none;}.kb-search340_f7a373-f0:hover .kb-search-icon svg{fill:none;}.kb-search340_f7a373-f0 .kb-search-close-btn svg{fill:none;}.kb-search340_f7a373-f0 .kb-search-close-btn{font-size:50px;}.kb-search340_f7a373-f0 .kb-search-close-btn:hover svg{fill:none;}.kb-search.kb-search340_f7a373-f0 form, .kb-search.kb-search340_f7a373-f0 .kb-search-modal-content form form{max-width:789px;}@media all and (max-width: 1024px){.kb-search340_f7a373-f0 .kb-search-input[type=\"text\"]{border-top:1px solid #dee2e6;border-right:1px solid #dee2e6;border-bottom:1px solid #dee2e6;border-left:1px solid #dee2e6;}}@media all and (max-width: 767px){.kb-search340_f7a373-f0 .kb-search-input[type=\"text\"]{border-top:1px solid #dee2e6;border-right:1px solid #dee2e6;border-bottom:1px solid #dee2e6;border-left:1px solid #dee2e6;}}<\/style><div class=\"kb-search kb-search340_f7a373-f0 wp-block-kadence-search\"><form class=\"kb-search-form\" role=\"search\" method=\"get\" action=\"https:\/\/realrisktalk.com\/\"><div class=\"kb-search-input-wrapper\"><input name=\"s\" type=\"text\" class=\"kb-search-input\" placeholder=\"Search terms...\" aria-label=\"Search\"><button type=\"submit\" class=\"kb-search-icon-submit\" aria-label=\"Search\"><span class=\"kb-search-icon\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  role=\"img\"><circle cx=\"11\" cy=\"11\" r=\"8\"\/><line x1=\"21\" y1=\"21\" x2=\"16.65\" y2=\"16.65\"\/><\/svg><\/span><\/button><\/div><\/form><\/div><\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id340_65e47f-2b{margin-top:0px;}.kb-row-layout-id340_65e47f-2b > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id340_65e47f-2b > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id340_65e47f-2b > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-xxs, 0.5rem);padding-right:0px;padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id340_65e47f-2b > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id340_65e47f-2b > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id340_65e47f-2b > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id340_65e47f-2b aligncenter has-theme-palette9-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column340_f6521f-d5 > .kt-inside-inner-col,.kadence-column340_f6521f-d5 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column340_f6521f-d5 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column340_f6521f-d5 > .kt-inside-inner-col{flex-direction:column;}.kadence-column340_f6521f-d5 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column340_f6521f-d5 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column340_f6521f-d5{position:relative;}@media all and (max-width: 1024px){.kadence-column340_f6521f-d5 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column340_f6521f-d5 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-xs, 1rem);flex-direction:column;justify-content:center;}.kadence-column340_f6521f-d5, .kt-inside-inner-col > .kadence-column340_f6521f-d5:not(.specificity){margin-top:var(--global-kb-spacing-xxs, 0.5rem);}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column340_f6521f-d5\"><div class=\"kt-inside-inner-col\">\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"><style>.kb-row-layout-id340_0a03f4-15 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id340_0a03f4-15 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id340_0a03f4-15 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-md, 2rem);}.kb-row-layout-id340_0a03f4-15 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}.kb-row-layout-id340_0a03f4-15 > .kt-row-column-wrap{grid-template-columns:repeat(3, minmax(0, 1fr));}.kb-row-layout-id340_0a03f4-15 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id340_0a03f4-15 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}@media all and (max-width: 1024px){.kb-row-layout-id340_0a03f4-15 > .kt-row-column-wrap{grid-template-columns:repeat(3, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id340_0a03f4-15 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id340_0a03f4-15 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id340_0a03f4-15 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-3-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kt-inner-column-height-full\">\n<style>.kadence-column340_3fe8b4-c3 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-xl, 4rem);padding-right:var(--global-kb-spacing-xl, 4rem);padding-bottom:var(--global-kb-spacing-xl, 4rem);padding-left:var(--global-kb-spacing-xl, 4rem);}.kadence-column340_3fe8b4-c3 > .kt-inside-inner-col{border-top:1px solid var(--global-palette9, #ffffff);border-right:1px solid var(--global-palette9, #ffffff);border-bottom:1px solid var(--global-palette9, #ffffff);border-left:1px solid var(--global-palette9, #ffffff);}.kadence-column340_3fe8b4-c3 > .kt-inside-inner-col,.kadence-column340_3fe8b4-c3 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column340_3fe8b4-c3:hover > .kt-inside-inner-col{border-top:2px solid #154279;border-right:2px solid #154279;border-bottom:2px solid #154279;border-left:2px solid #154279;}.kadence-column340_3fe8b4-c3 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column340_3fe8b4-c3 > .kt-inside-inner-col{flex-direction:column;}.kadence-column340_3fe8b4-c3 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column340_3fe8b4-c3 > .kt-inside-inner-col{background-color:var(--global-palette7, #EDF2F7);}.kadence-column340_3fe8b4-c3 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column340_3fe8b4-c3{position:relative;}@media all and (max-width: 1024px){.kadence-column340_3fe8b4-c3 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-md, 2rem);border-top:1px solid var(--global-palette9, #ffffff);border-right:1px solid var(--global-palette9, #ffffff);border-bottom:1px solid var(--global-palette9, #ffffff);border-left:1px solid var(--global-palette9, #ffffff);flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column340_3fe8b4-c3:hover > .kt-inside-inner-col{border-top:2px solid #154279;border-right:2px solid #154279;border-bottom:2px solid #154279;border-left:2px solid #154279;}}@media all and (max-width: 767px){.kadence-column340_3fe8b4-c3 > .kt-inside-inner-col{display:flex;padding-top:var(--global-kb-spacing-xs, 1rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);border-top:1px solid var(--global-palette9, #ffffff);border-right:1px solid var(--global-palette9, #ffffff);border-bottom:1px solid var(--global-palette9, #ffffff);border-left:1px solid var(--global-palette9, #ffffff);row-gap:var(--global-kb-gap-none, 0rem );flex-direction:column;justify-content:center;align-items:flex-start;}.kadence-column340_3fe8b4-c3:hover > .kt-inside-inner-col{border-top:2px solid #154279;border-right:2px solid #154279;border-bottom:2px solid #154279;border-left:2px solid #154279;}.kadence-column340_3fe8b4-c3, .kt-inside-inner-col > .kadence-column340_3fe8b4-c3:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column340_3fe8b4-c3\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading340_174915-78, .wp-block-kadence-advancedheading.kt-adv-heading340_174915-78[data-kb-block=\"kb-adv-heading340_174915-78\"]{font-size:20px;line-height:2;font-style:normal;font-family:var( --global-heading-font-family, inherit );}.wp-block-kadence-advancedheading.kt-adv-heading340_174915-78 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading340_174915-78[data-kb-block=\"kb-adv-heading340_174915-78\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading340_174915-78 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading340_174915-78[data-kb-block=\"kb-adv-heading340_174915-78\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading340_174915-78 wp-block-kadence-advancedheading has-theme-palette-5-color has-text-color\" data-kb-block=\"kb-adv-heading340_174915-78\"><strong><a href=\"https:\/\/realrisktalk.com\/index.php\/insurance-dictionary\/\" data-type=\"page\" data-id=\"773\">Deductible<\/a><\/strong><\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading340_dce43c-1a, .wp-block-kadence-advancedheading.kt-adv-heading340_dce43c-1a[data-kb-block=\"kb-adv-heading340_dce43c-1a\"]{text-align:left;font-size:18px;line-height:1.5;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading340_dce43c-1a mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading340_dce43c-1a[data-kb-block=\"kb-adv-heading340_dce43c-1a\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading340_dce43c-1a img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading340_dce43c-1a[data-kb-block=\"kb-adv-heading340_dce43c-1a\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading340_dce43c-1a wp-block-kadence-advancedheading has-theme-palette-6-color has-text-color\" data-kb-block=\"kb-adv-heading340_dce43c-1a\">The amount you pay out of pocket before your insurance kicks in. Think of it as your skin in the game.<br><\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column340_95a9e5-90 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-xl, 4rem);padding-right:var(--global-kb-spacing-xl, 4rem);padding-bottom:var(--global-kb-spacing-xl, 4rem);padding-left:var(--global-kb-spacing-xl, 4rem);}.kadence-column340_95a9e5-90 > .kt-inside-inner-col{border-top:1px solid var(--global-palette9, #ffffff);border-right:1px solid var(--global-palette9, #ffffff);border-bottom:1px solid var(--global-palette9, #ffffff);border-left:1px solid var(--global-palette9, #ffffff);}.kadence-column340_95a9e5-90 > .kt-inside-inner-col,.kadence-column340_95a9e5-90 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column340_95a9e5-90:hover > .kt-inside-inner-col{border-top:2px solid #154279;border-right:2px solid #154279;border-bottom:2px solid #154279;border-left:2px solid #154279;}.kadence-column340_95a9e5-90 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column340_95a9e5-90 > .kt-inside-inner-col{flex-direction:column;}.kadence-column340_95a9e5-90 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column340_95a9e5-90 > .kt-inside-inner-col{background-color:var(--global-palette7, #EDF2F7);}.kadence-column340_95a9e5-90 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column340_95a9e5-90{position:relative;}@media all and (max-width: 1024px){.kadence-column340_95a9e5-90 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-md, 2rem);border-top:1px solid var(--global-palette9, #ffffff);border-right:1px solid var(--global-palette9, #ffffff);border-bottom:1px solid var(--global-palette9, #ffffff);border-left:1px solid var(--global-palette9, #ffffff);flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column340_95a9e5-90:hover > .kt-inside-inner-col{border-top:2px solid #154279;border-right:2px solid #154279;border-bottom:2px solid #154279;border-left:2px solid #154279;}}@media all and (max-width: 767px){.kadence-column340_95a9e5-90 > .kt-inside-inner-col{display:flex;padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);border-top:1px solid var(--global-palette9, #ffffff);border-right:1px solid var(--global-palette9, #ffffff);border-bottom:1px solid var(--global-palette9, #ffffff);border-left:1px solid var(--global-palette9, #ffffff);row-gap:var(--global-kb-gap-none, 0rem );flex-direction:column;justify-content:center;align-items:flex-start;}.kadence-column340_95a9e5-90:hover > .kt-inside-inner-col{border-top:2px solid #154279;border-right:2px solid #154279;border-bottom:2px solid #154279;border-left:2px solid #154279;}.kadence-column340_95a9e5-90, .kt-inside-inner-col > .kadence-column340_95a9e5-90:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column340_95a9e5-90 kb-section-dir-vertical\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading340_9ce3f1-c3, .wp-block-kadence-advancedheading.kt-adv-heading340_9ce3f1-c3[data-kb-block=\"kb-adv-heading340_9ce3f1-c3\"]{font-size:20px;line-height:2;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading340_9ce3f1-c3 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading340_9ce3f1-c3[data-kb-block=\"kb-adv-heading340_9ce3f1-c3\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading340_9ce3f1-c3 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading340_9ce3f1-c3[data-kb-block=\"kb-adv-heading340_9ce3f1-c3\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading340_9ce3f1-c3, .wp-block-kadence-advancedheading.kt-adv-heading340_9ce3f1-c3[data-kb-block=\"kb-adv-heading340_9ce3f1-c3\"]{padding-top:var(--global-kb-spacing-xxs, 0.5rem);}}<\/style>\n<h3 class=\"kt-adv-heading340_9ce3f1-c3 wp-block-kadence-advancedheading has-theme-palette-5-color has-text-color\" data-kb-block=\"kb-adv-heading340_9ce3f1-c3\"><strong><a href=\"https:\/\/realrisktalk.com\/index.php\/insurance-dictionary\/\" data-type=\"page\" data-id=\"773\">Premium<\/a><\/strong><\/h3>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading340_9878fb-5f, .wp-block-kadence-advancedheading.kt-adv-heading340_9878fb-5f[data-kb-block=\"kb-adv-heading340_9878fb-5f\"]{text-align:left;font-size:18px;line-height:1.5;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading340_9878fb-5f mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading340_9878fb-5f[data-kb-block=\"kb-adv-heading340_9878fb-5f\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading340_9878fb-5f img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading340_9878fb-5f[data-kb-block=\"kb-adv-heading340_9878fb-5f\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading340_9878fb-5f wp-block-kadence-advancedheading has-theme-palette-6-color has-text-color\" data-kb-block=\"kb-adv-heading340_9878fb-5f\">The money you pay to your insurance company for coverage. it&#8217;s like a subscription fee for financial protection.<br><\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column340_16b43c-5f > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-xl, 4rem);padding-right:var(--global-kb-spacing-xl, 4rem);padding-bottom:var(--global-kb-spacing-xl, 4rem);padding-left:var(--global-kb-spacing-xl, 4rem);}.kadence-column340_16b43c-5f > .kt-inside-inner-col{border-top:1px solid var(--global-palette9, #ffffff);border-right:1px solid var(--global-palette9, #ffffff);border-bottom:1px solid var(--global-palette9, #ffffff);border-left:1px solid var(--global-palette9, #ffffff);}.kadence-column340_16b43c-5f > .kt-inside-inner-col,.kadence-column340_16b43c-5f > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column340_16b43c-5f:hover > .kt-inside-inner-col{border-top:2px solid #154279;border-right:2px solid #154279;border-bottom:2px solid #154279;border-left:2px solid #154279;}.kadence-column340_16b43c-5f > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column340_16b43c-5f > .kt-inside-inner-col{flex-direction:column;}.kadence-column340_16b43c-5f > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column340_16b43c-5f > .kt-inside-inner-col{background-color:var(--global-palette7, #EDF2F7);}.kadence-column340_16b43c-5f > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column340_16b43c-5f{position:relative;}@media all and (max-width: 1024px){.kadence-column340_16b43c-5f > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-md, 2rem);border-top:1px solid var(--global-palette9, #ffffff);border-right:1px solid var(--global-palette9, #ffffff);border-bottom:1px solid var(--global-palette9, #ffffff);border-left:1px solid var(--global-palette9, #ffffff);flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column340_16b43c-5f:hover > .kt-inside-inner-col{border-top:2px solid #154279;border-right:2px solid #154279;border-bottom:2px solid #154279;border-left:2px solid #154279;}}@media all and (max-width: 767px){.kadence-column340_16b43c-5f > .kt-inside-inner-col{display:flex;padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);border-top:1px solid var(--global-palette9, #ffffff);border-right:1px solid var(--global-palette9, #ffffff);border-bottom:1px solid var(--global-palette9, #ffffff);border-left:1px solid var(--global-palette9, #ffffff);row-gap:var(--global-kb-gap-none, 0rem );flex-direction:column;justify-content:center;align-items:flex-start;}.kadence-column340_16b43c-5f:hover > .kt-inside-inner-col{border-top:2px solid #154279;border-right:2px solid #154279;border-bottom:2px solid #154279;border-left:2px solid #154279;}.kadence-column340_16b43c-5f, .kt-inside-inner-col > .kadence-column340_16b43c-5f:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column340_16b43c-5f\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading340_8b8e12-e5, .wp-block-kadence-advancedheading.kt-adv-heading340_8b8e12-e5[data-kb-block=\"kb-adv-heading340_8b8e12-e5\"]{text-align:right;font-size:20px;line-height:2;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading340_8b8e12-e5 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading340_8b8e12-e5[data-kb-block=\"kb-adv-heading340_8b8e12-e5\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading340_8b8e12-e5 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading340_8b8e12-e5[data-kb-block=\"kb-adv-heading340_8b8e12-e5\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading340_8b8e12-e5 wp-block-kadence-advancedheading has-theme-palette-5-color has-text-color\" data-kb-block=\"kb-adv-heading340_8b8e12-e5\"><strong><a href=\"https:\/\/realrisktalk.com\/index.php\/insurance-dictionary\/\" data-type=\"page\" data-id=\"773\">Liability Coverage<\/a><\/strong><\/h3>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading340_9d0391-9f, .wp-block-kadence-advancedheading.kt-adv-heading340_9d0391-9f[data-kb-block=\"kb-adv-heading340_9d0391-9f\"]{text-align:left;font-size:18px;line-height:1.5;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading340_9d0391-9f mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading340_9d0391-9f[data-kb-block=\"kb-adv-heading340_9d0391-9f\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading340_9d0391-9f img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading340_9d0391-9f[data-kb-block=\"kb-adv-heading340_9d0391-9f\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading340_9d0391-9f, .wp-block-kadence-advancedheading.kt-adv-heading340_9d0391-9f[data-kb-block=\"kb-adv-heading340_9d0391-9f\"]{margin-bottom:var(--global-kb-spacing-xs, 1rem);}}<\/style>\n<p class=\"kt-adv-heading340_9d0391-9f wp-block-kadence-advancedheading has-theme-palette-6-color has-text-color\" data-kb-block=\"kb-adv-heading340_9d0391-9f\">Insurance that pays for damage you cause to others. Because accidents happen, and lawyers are expensive.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id340_201824-d3 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id340_201824-d3 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id340_201824-d3 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-md, 2rem);}.kb-row-layout-id340_201824-d3 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}.kb-row-layout-id340_201824-d3 > .kt-row-column-wrap{grid-template-columns:repeat(3, minmax(0, 1fr));}.kb-row-layout-id340_201824-d3 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id340_201824-d3 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}@media all and (max-width: 1024px){.kb-row-layout-id340_201824-d3 > .kt-row-column-wrap{grid-template-columns:repeat(3, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id340_201824-d3 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id340_201824-d3 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id340_201824-d3 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-3-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kt-inner-column-height-full\">\n<style>.kadence-column340_9737a3-63 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-xl, 4rem);padding-right:var(--global-kb-spacing-xl, 4rem);padding-bottom:var(--global-kb-spacing-xl, 4rem);padding-left:var(--global-kb-spacing-xl, 4rem);}.kadence-column340_9737a3-63 > .kt-inside-inner-col{border-top:1px solid var(--global-palette9, #ffffff);border-right:1px solid var(--global-palette9, #ffffff);border-bottom:1px solid var(--global-palette9, #ffffff);border-left:1px solid var(--global-palette9, #ffffff);}.kadence-column340_9737a3-63 > .kt-inside-inner-col,.kadence-column340_9737a3-63 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column340_9737a3-63:hover > .kt-inside-inner-col{border-top:2px solid #154279;border-right:2px solid #154279;border-bottom:2px solid #154279;border-left:2px solid #154279;}.kadence-column340_9737a3-63 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column340_9737a3-63 > .kt-inside-inner-col{flex-direction:column;}.kadence-column340_9737a3-63 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column340_9737a3-63 > .kt-inside-inner-col{background-color:var(--global-palette7, #EDF2F7);}.kadence-column340_9737a3-63 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column340_9737a3-63{position:relative;}@media all and (max-width: 1024px){.kadence-column340_9737a3-63 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-md, 2rem);border-top:1px solid var(--global-palette9, #ffffff);border-right:1px solid var(--global-palette9, #ffffff);border-bottom:1px solid var(--global-palette9, #ffffff);border-left:1px solid var(--global-palette9, #ffffff);flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column340_9737a3-63:hover > .kt-inside-inner-col{border-top:2px solid #154279;border-right:2px solid #154279;border-bottom:2px solid #154279;border-left:2px solid #154279;}}@media all and (max-width: 767px){.kadence-column340_9737a3-63 > .kt-inside-inner-col{display:flex;padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);border-top:1px solid var(--global-palette9, #ffffff);border-right:1px solid var(--global-palette9, #ffffff);border-bottom:1px solid var(--global-palette9, #ffffff);border-left:1px solid var(--global-palette9, #ffffff);row-gap:var(--global-kb-gap-none, 0rem );flex-direction:column;justify-content:center;align-items:flex-start;}.kadence-column340_9737a3-63:hover > .kt-inside-inner-col{border-top:2px solid #154279;border-right:2px solid #154279;border-bottom:2px solid #154279;border-left:2px solid #154279;}.kadence-column340_9737a3-63, .kt-inside-inner-col > .kadence-column340_9737a3-63:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column340_9737a3-63\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading340_4b3507-57, .wp-block-kadence-advancedheading.kt-adv-heading340_4b3507-57[data-kb-block=\"kb-adv-heading340_4b3507-57\"]{text-align:left;font-size:20px;line-height:2;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading340_4b3507-57 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading340_4b3507-57[data-kb-block=\"kb-adv-heading340_4b3507-57\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading340_4b3507-57 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading340_4b3507-57[data-kb-block=\"kb-adv-heading340_4b3507-57\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading340_4b3507-57 wp-block-kadence-advancedheading has-theme-palette-5-color has-text-color\" data-kb-block=\"kb-adv-heading340_4b3507-57\"><strong><a href=\"https:\/\/realrisktalk.com\/index.php\/insurance-dictionary\/\" data-type=\"page\" data-id=\"773\">Actual Cash Value (ACV)<\/a><\/strong><\/h3>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading340_ff686d-cd, .wp-block-kadence-advancedheading.kt-adv-heading340_ff686d-cd[data-kb-block=\"kb-adv-heading340_ff686d-cd\"]{text-align:left;font-size:18px;line-height:1.5;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading340_ff686d-cd mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading340_ff686d-cd[data-kb-block=\"kb-adv-heading340_ff686d-cd\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading340_ff686d-cd img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading340_ff686d-cd[data-kb-block=\"kb-adv-heading340_ff686d-cd\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading340_ff686d-cd wp-block-kadence-advancedheading has-theme-palette-6-color has-text-color\" data-kb-block=\"kb-adv-heading340_ff686d-cd\">What your stuff is worth now, after depreciation. Spoiler: it&#8217;s less than you think.<br><\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column340_04c1a3-5f > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-xl, 4rem);padding-right:var(--global-kb-spacing-xl, 4rem);padding-bottom:var(--global-kb-spacing-xl, 4rem);padding-left:var(--global-kb-spacing-xl, 4rem);}.kadence-column340_04c1a3-5f > .kt-inside-inner-col{border-top:1px solid var(--global-palette9, #ffffff);border-right:1px solid var(--global-palette9, #ffffff);border-bottom:1px solid var(--global-palette9, #ffffff);border-left:1px solid var(--global-palette9, #ffffff);}.kadence-column340_04c1a3-5f > .kt-inside-inner-col,.kadence-column340_04c1a3-5f > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column340_04c1a3-5f:hover > .kt-inside-inner-col{border-top:2px solid #154279;border-right:2px solid #154279;border-bottom:2px solid #154279;border-left:2px solid #154279;}.kadence-column340_04c1a3-5f > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column340_04c1a3-5f > .kt-inside-inner-col{flex-direction:column;}.kadence-column340_04c1a3-5f > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column340_04c1a3-5f > .kt-inside-inner-col{background-color:var(--global-palette7, #EDF2F7);}.kadence-column340_04c1a3-5f > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column340_04c1a3-5f{position:relative;}@media all and (max-width: 1024px){.kadence-column340_04c1a3-5f > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-md, 2rem);border-top:1px solid var(--global-palette9, #ffffff);border-right:1px solid var(--global-palette9, #ffffff);border-bottom:1px solid var(--global-palette9, #ffffff);border-left:1px solid var(--global-palette9, #ffffff);flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column340_04c1a3-5f:hover > .kt-inside-inner-col{border-top:2px solid #154279;border-right:2px solid #154279;border-bottom:2px solid #154279;border-left:2px solid #154279;}}@media all and (max-width: 767px){.kadence-column340_04c1a3-5f > .kt-inside-inner-col{display:flex;padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);border-top:1px solid var(--global-palette9, #ffffff);border-right:1px solid var(--global-palette9, #ffffff);border-bottom:1px solid var(--global-palette9, #ffffff);border-left:1px solid var(--global-palette9, #ffffff);row-gap:var(--global-kb-gap-none, 0rem );flex-direction:column;justify-content:center;align-items:flex-start;}.kadence-column340_04c1a3-5f:hover > .kt-inside-inner-col{border-top:2px solid #154279;border-right:2px solid #154279;border-bottom:2px solid #154279;border-left:2px solid #154279;}.kadence-column340_04c1a3-5f, .kt-inside-inner-col > .kadence-column340_04c1a3-5f:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column340_04c1a3-5f\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading340_2d4ac8-27, .wp-block-kadence-advancedheading.kt-adv-heading340_2d4ac8-27[data-kb-block=\"kb-adv-heading340_2d4ac8-27\"]{font-size:20px;line-height:2;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading340_2d4ac8-27 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading340_2d4ac8-27[data-kb-block=\"kb-adv-heading340_2d4ac8-27\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading340_2d4ac8-27 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading340_2d4ac8-27[data-kb-block=\"kb-adv-heading340_2d4ac8-27\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading340_2d4ac8-27 wp-block-kadence-advancedheading has-theme-palette-5-color has-text-color\" data-kb-block=\"kb-adv-heading340_2d4ac8-27\"><strong><a href=\"https:\/\/realrisktalk.com\/index.php\/insurance-dictionary\/\" data-type=\"page\" data-id=\"773\">Replacement Cost<\/a><\/strong><\/h3>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading340_607272-c9, .wp-block-kadence-advancedheading.kt-adv-heading340_607272-c9[data-kb-block=\"kb-adv-heading340_607272-c9\"]{text-align:left;font-size:18px;line-height:1.5;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading340_607272-c9 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading340_607272-c9[data-kb-block=\"kb-adv-heading340_607272-c9\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading340_607272-c9 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading340_607272-c9[data-kb-block=\"kb-adv-heading340_607272-c9\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading340_607272-c9 wp-block-kadence-advancedheading has-theme-palette-6-color has-text-color\" data-kb-block=\"kb-adv-heading340_607272-c9\">What it costs to replace your stuff with new items. The better option if you don&#8217;t want to downgrade after a loss.<br><\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column340_b48ce6-a7 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-xl, 4rem);padding-right:var(--global-kb-spacing-xl, 4rem);padding-bottom:var(--global-kb-spacing-xl, 4rem);padding-left:var(--global-kb-spacing-xl, 4rem);}.kadence-column340_b48ce6-a7 > .kt-inside-inner-col{border-top:1px solid var(--global-palette9, #ffffff);border-right:1px solid var(--global-palette9, #ffffff);border-bottom:1px solid var(--global-palette9, #ffffff);border-left:1px solid var(--global-palette9, #ffffff);}.kadence-column340_b48ce6-a7 > .kt-inside-inner-col,.kadence-column340_b48ce6-a7 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column340_b48ce6-a7:hover > .kt-inside-inner-col{border-top:2px solid #154279;border-right:2px solid #154279;border-bottom:2px solid #154279;border-left:2px solid #154279;}.kadence-column340_b48ce6-a7 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column340_b48ce6-a7 > .kt-inside-inner-col{flex-direction:column;}.kadence-column340_b48ce6-a7 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column340_b48ce6-a7 > .kt-inside-inner-col{background-color:var(--global-palette7, #EDF2F7);}.kadence-column340_b48ce6-a7 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column340_b48ce6-a7{position:relative;}@media all and (max-width: 1024px){.kadence-column340_b48ce6-a7 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-md, 2rem);border-top:1px solid var(--global-palette9, #ffffff);border-right:1px solid var(--global-palette9, #ffffff);border-bottom:1px solid var(--global-palette9, #ffffff);border-left:1px solid var(--global-palette9, #ffffff);flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column340_b48ce6-a7:hover > .kt-inside-inner-col{border-top:2px solid #154279;border-right:2px solid #154279;border-bottom:2px solid #154279;border-left:2px solid #154279;}}@media all and (max-width: 767px){.kadence-column340_b48ce6-a7 > .kt-inside-inner-col{display:flex;padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);border-top:1px solid var(--global-palette9, #ffffff);border-right:1px solid var(--global-palette9, #ffffff);border-bottom:1px solid var(--global-palette9, #ffffff);border-left:1px solid var(--global-palette9, #ffffff);row-gap:var(--global-kb-gap-none, 0rem );flex-direction:column;justify-content:center;align-items:flex-start;}.kadence-column340_b48ce6-a7:hover > .kt-inside-inner-col{border-top:2px solid #154279;border-right:2px solid #154279;border-bottom:2px solid #154279;border-left:2px solid #154279;}.kadence-column340_b48ce6-a7, .kt-inside-inner-col > .kadence-column340_b48ce6-a7:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column340_b48ce6-a7\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading340_2f7df8-0f, .wp-block-kadence-advancedheading.kt-adv-heading340_2f7df8-0f[data-kb-block=\"kb-adv-heading340_2f7df8-0f\"]{font-size:20px;line-height:2;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading340_2f7df8-0f mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading340_2f7df8-0f[data-kb-block=\"kb-adv-heading340_2f7df8-0f\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading340_2f7df8-0f img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading340_2f7df8-0f[data-kb-block=\"kb-adv-heading340_2f7df8-0f\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading340_2f7df8-0f wp-block-kadence-advancedheading has-theme-palette-5-color has-text-color\" data-kb-block=\"kb-adv-heading340_2f7df8-0f\"><strong><a href=\"https:\/\/realrisktalk.com\/index.php\/insurance-dictionary\/\" data-type=\"page\" data-id=\"773\">Umbrella Policy<\/a><\/strong><\/h3>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading340_b529ab-d4, .wp-block-kadence-advancedheading.kt-adv-heading340_b529ab-d4[data-kb-block=\"kb-adv-heading340_b529ab-d4\"]{text-align:left;font-size:18px;line-height:1.5;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading340_b529ab-d4 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading340_b529ab-d4[data-kb-block=\"kb-adv-heading340_b529ab-d4\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading340_b529ab-d4 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading340_b529ab-d4[data-kb-block=\"kb-adv-heading340_b529ab-d4\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading340_b529ab-d4 wp-block-kadence-advancedheading has-theme-palette-6-color has-text-color\" data-kb-block=\"kb-adv-heading340_b529ab-d4\">Extra liability coverage that kicks in when your regularpolicies hit their limits. Like a safety net for your assets and income. <br><\/p>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n\n<style>.kadence-column340_1cad85-73 > .kt-inside-inner-col,.kadence-column340_1cad85-73 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column340_1cad85-73 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column340_1cad85-73 > .kt-inside-inner-col{flex-direction:column;}.kadence-column340_1cad85-73 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column340_1cad85-73 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column340_1cad85-73{position:relative;}@media all and (max-width: 1024px){.kadence-column340_1cad85-73 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column340_1cad85-73 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column340_1cad85-73\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedbtn.kb-btns340_99b4b0-43{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns340_99b4b0-43 .kt-button{font-weight:normal;font-style:normal;}.kt-btns340_99b4b0-43 .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns340_99b4b0-43 .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns340_99b4b0-43 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns340_99b4b0-43 .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns340_99b4b0-43 .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns340_99b4b0-43 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns340_99b4b0-43 .kt-btn-wrap-0 .kt-button:focus{background:#444444;}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns340_99b4b0-43\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn340_aba26c-79.kb-button{width:initial;}.wp-block-kadence-advancedbtn .kb-btn340_aba26c-79.kb-button{color:var(--global-palette9, #ffffff);font-size:17px;font-family:'Merriweather Sans';font-weight:400;text-transform:capitalize;border-top-left-radius:7px;border-top-right-radius:7px;border-bottom-right-radius:7px;border-bottom-left-radius:7px;}<\/style><a class=\"kb-button kt-button button kb-btn340_aba26c-79 kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-fill  kt-btn-has-text-true kt-btn-has-svg-false  wp-block-kadence-singlebtn\" href=\"https:\/\/realrisktalk.com\/index.php\/insurance-dictionary\/\"><span class=\"kt-btn-inner-text\">View Full Dictionary<\/span><\/a><\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n\n<style>.wp-block-kadence-spacer.kt-block-spacer-340_212f2d-65 .kt-block-spacer{height:20px;}.wp-block-kadence-spacer.kt-block-spacer-340_212f2d-65 .kt-divider{border-top-width:1px;height:1px;border-top-color:rgba(238, 238, 238, 0.02);width:80%;border-top-style:solid;}@media all and (max-width: 767px){.wp-block-kadence-spacer.kt-block-spacer-340_212f2d-65 .kt-block-spacer{height:20px!important;}}<\/style>\n<div class=\"wp-block-kadence-spacer aligncenter kt-block-spacer-340_212f2d-65\"><div class=\"kt-block-spacer kt-block-spacer-halign-center\"><hr class=\"kt-divider\"\/><\/div><\/div>\n\n\n<style>.kb-row-layout-id340_9730c1-e2 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id340_9730c1-e2 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id340_9730c1-e2 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-xl, 4rem);padding-bottom:var(--global-kb-spacing-xxl, 5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id340_9730c1-e2 > .kt-row-layout-overlay{opacity:0.30;}.kb-row-layout-id340_9730c1-e2 .kt-row-layout-bottom-sep{height:100px;}.kb-row-layout-id340_9730c1-e2 .kt-row-layout-bottom-sep svg{width:100%;}.kb-row-layout-id340_9730c1-e2 .kt-row-layout-bottom-sep svg{fill:#ffffff!important;}.kb-row-layout-id340_9730c1-e2 .kt-row-layout-top-sep{height:100px;}.kb-row-layout-id340_9730c1-e2 .kt-row-layout-top-sep svg{width:100%;}.kb-row-layout-id340_9730c1-e2 .kt-row-layout-top-sep svg{fill:#ffffff!important;}@media all and (max-width: 1024px){.kb-row-layout-id340_9730c1-e2 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 1024px){.kb-row-layout-id340_9730c1-e2 .kt-row-layout-bottom-sep{height:px;}}@media all and (max-width: 1024px){.kb-row-layout-id340_9730c1-e2 .kt-row-layout-bottom-sep svg{width:%;}}@media all and (max-width: 767px){.kb-row-layout-id340_9730c1-e2 > .kt-row-column-wrap{padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id340_9730c1-e2 .kt-row-layout-bottom-sep{height:px;}.kb-row-layout-id340_9730c1-e2 .kt-row-layout-bottom-sep svg{width:%;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id340_9730c1-e2 alignfull has-theme-palette8-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column340_914f18-a4 > .kt-inside-inner-col,.kadence-column340_914f18-a4 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column340_914f18-a4 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column340_914f18-a4 > .kt-inside-inner-col{flex-direction:column;}.kadence-column340_914f18-a4 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column340_914f18-a4 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column340_914f18-a4{position:relative;}@media all and (max-width: 1024px){.kadence-column340_914f18-a4 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column340_914f18-a4 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column340_914f18-a4\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading340_108a57-3b, .wp-block-kadence-advancedheading.kt-adv-heading340_108a57-3b[data-kb-block=\"kb-adv-heading340_108a57-3b\"]{margin-bottom:var(--global-kb-spacing-xs, 1rem);text-align:center;font-size:28px;font-style:normal;text-transform:uppercase;}.wp-block-kadence-advancedheading.kt-adv-heading340_108a57-3b mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading340_108a57-3b[data-kb-block=\"kb-adv-heading340_108a57-3b\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading340_108a57-3b img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading340_108a57-3b[data-kb-block=\"kb-adv-heading340_108a57-3b\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading340_108a57-3b, .wp-block-kadence-advancedheading.kt-adv-heading340_108a57-3b[data-kb-block=\"kb-adv-heading340_108a57-3b\"]{font-size:25px;}}<\/style>\n<h4 class=\"kt-adv-heading340_108a57-3b wp-block-kadence-advancedheading has-theme-palette-1-color has-text-color\" data-kb-block=\"kb-adv-heading340_108a57-3b\"><strong>Helpful Resources<\/strong><\/h4>\n\n\n<style>.kb-row-layout-id340_ec1c28-50 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id340_ec1c28-50 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id340_ec1c28-50 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id340_ec1c28-50 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}.kb-row-layout-id340_ec1c28-50 > .kt-row-column-wrap{grid-template-columns:repeat(3, minmax(0, 1fr));}.kb-row-layout-id340_ec1c28-50 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id340_ec1c28-50 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}@media all and (max-width: 1024px){.kb-row-layout-id340_ec1c28-50 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id340_ec1c28-50 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}.kb-row-layout-id340_ec1c28-50 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id340_ec1c28-50 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-3-columns kt-row-layout-equal kt-tab-layout-two-grid kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column340_3ef5e7-ea > .kt-inside-inner-col,.kadence-column340_3ef5e7-ea > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column340_3ef5e7-ea > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column340_3ef5e7-ea > .kt-inside-inner-col{flex-direction:column;}.kadence-column340_3ef5e7-ea > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column340_3ef5e7-ea > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column340_3ef5e7-ea{position:relative;}@media all and (max-width: 1024px){.kadence-column340_3ef5e7-ea > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column340_3ef5e7-ea > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column340_3ef5e7-ea\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box340_94a8af-9f .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box340_94a8af-9f .kt-blocks-info-box-link-wrap{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;background:var(--global-palette9, #ffffff);padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-md, 2rem);}.kt-info-box340_94a8af-9f .kt-blocks-info-box-link-wrap:hover{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;background:var(--global-palette9, #ffffff);}.kt-info-box340_94a8af-9f .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box340_94a8af-9f .kt-info-svg-icon-flip, .kt-info-box340_94a8af-9f .kt-blocks-info-box-number{font-size:40px;}.kt-info-box340_94a8af-9f .kt-blocks-info-box-media{color:var(--global-palette1, #3182CE);border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kt-info-box340_94a8af-9f .kt-blocks-info-box-media-container{margin-top:0px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box340_94a8af-9f .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-media{color:var(--global-palette1, #3182CE);}.kt-info-box340_94a8af-9f .kt-infobox-textcontent div.kt-blocks-info-box-title{color:var(--global-palette1, #3182CE);font-size:20px;font-weight:300;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:5px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box340_94a8af-9f .kt-blocks-info-box-link-wrap:hover div.kt-blocks-info-box-title{color:var(--global-palette1, #3182CE);}.kt-info-box340_94a8af-9f .kt-infobox-textcontent .kt-blocks-info-box-text{color:var(--global-palette6, #718096);}.wp-block-kadence-infobox.kt-info-box340_94a8af-9f .kt-blocks-info-box-text{font-size:var(--global-kb-font-size-sm, 0.9rem);}.kt-info-box340_94a8af-9f .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-text{color:var(--global-palette5, #4A5568);}.kt-info-box340_94a8af-9f .kt-blocks-info-box-learnmore{background:transparent;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box340_94a8af-9f .kt-blocks-info-box-link-wrap{box-shadow:0px 0px 14px 0px rgba(27, 32, 44, 0.2);}.kt-info-box340_94a8af-9f .kt-blocks-info-box-link-wrap:hover{box-shadow:0px 0px 14px 0px rgba(27, 32, 44, 0.2);}@media all and (max-width: 1024px){.kt-info-box340_94a8af-9f .kt-blocks-info-box-link-wrap{box-shadow:0px 0px 14px 0px rgba(27, 32, 44, 0.2);}}@media all and (max-width: 1024px){.kt-info-box340_94a8af-9f .kt-blocks-info-box-link-wrap:hover{box-shadow:0px 0px 14px 0px rgba(27, 32, 44, 0.2);}}@media all and (max-width: 767px){.wp-block-kadence-infobox.kt-info-box340_94a8af-9f .kt-blocks-info-box-text{font-size:17px;line-height:30px;}.kt-info-box340_94a8af-9f .kt-blocks-info-box-link-wrap{box-shadow:0px 0px 14px 0px rgba(27, 32, 44, 0.2);}.kt-info-box340_94a8af-9f .kt-blocks-info-box-link-wrap:hover{box-shadow:0px 0px 14px 0px rgba(27, 32, 44, 0.2);}}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-box340_94a8af-9f\"><div class=\"kt-blocks-info-box-link-wrap kt-blocks-info-box-media-align-top kt-info-halign-center\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-icon-container kt-info-icon-animate-none\"><div class=\"kadence-info-box-icon-inner-container\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_info kt-info-svg-icon\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><line x1=\"12\" y1=\"16\" x2=\"12\" y2=\"12\"\/><line x1=\"12\" y1=\"8\" x2=\"12\" y2=\"8\"\/><\/svg><\/span><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><div class=\"kt-blocks-info-box-title\">State Requirements<\/div><p class=\"kt-blocks-info-box-text\"><a href=\"https:\/\/realrisktalk.com\/index.php\/our-clients\/state-resources\/south-carolina-insurance\/\" data-type=\"page\" data-id=\"717\">South Carolina Insurance<\/a><br><a href=\"https:\/\/realrisktalk.com\/index.php\/our-clients\/state-resources\/north-carolina-insurance\/\" data-type=\"page\" data-id=\"718\">North Carolina Insurance<br><\/a><a href=\"https:\/\/realrisktalk.com\/index.php\/our-clients\/state-resources\/georgia-insurance\/\" data-type=\"page\" data-id=\"728\">Georgia Insurance<br><\/a><\/p><\/div><\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column340_dc8e83-12 > .kt-inside-inner-col,.kadence-column340_dc8e83-12 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column340_dc8e83-12 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column340_dc8e83-12 > .kt-inside-inner-col{flex-direction:column;}.kadence-column340_dc8e83-12 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column340_dc8e83-12 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column340_dc8e83-12{position:relative;}@media all and (max-width: 1024px){.kadence-column340_dc8e83-12 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column340_dc8e83-12 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column340_dc8e83-12\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box340_43a200-80 .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box340_43a200-80 .kt-blocks-info-box-link-wrap{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;background:var(--global-palette9, #ffffff);padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-md, 2rem);}.kt-info-box340_43a200-80 .kt-blocks-info-box-link-wrap:hover{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;background:var(--global-palette9, #ffffff);}.kt-info-box340_43a200-80 .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box340_43a200-80 .kt-info-svg-icon-flip, .kt-info-box340_43a200-80 .kt-blocks-info-box-number{font-size:40px;}.kt-info-box340_43a200-80 .kt-blocks-info-box-media{color:var(--global-palette1, #3182CE);border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kt-info-box340_43a200-80 .kt-blocks-info-box-media-container{margin-top:0px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box340_43a200-80 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-media{color:var(--global-palette1, #3182CE);}.kt-info-box340_43a200-80 .kt-infobox-textcontent div.kt-blocks-info-box-title{color:var(--global-palette1, #3182CE);font-size:20px;font-weight:300;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:5px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box340_43a200-80 .kt-blocks-info-box-link-wrap:hover div.kt-blocks-info-box-title{color:var(--global-palette1, #3182CE);}.kt-info-box340_43a200-80 .kt-infobox-textcontent .kt-blocks-info-box-text{color:var(--global-palette6, #718096);}.wp-block-kadence-infobox.kt-info-box340_43a200-80 .kt-blocks-info-box-text{font-size:14px;}.kt-info-box340_43a200-80 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-text{color:var(--global-palette6, #718096);}.kt-info-box340_43a200-80 .kt-blocks-info-box-learnmore{background:transparent;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box340_43a200-80 .kt-blocks-info-box-link-wrap{box-shadow:0px 0px 14px 0px rgba(27, 32, 44, 0.2);}.kt-info-box340_43a200-80 .kt-blocks-info-box-link-wrap:hover{box-shadow:0px 0px 14px 0px rgba(27, 32, 44, 0.2);}@media all and (max-width: 1024px){.kt-info-box340_43a200-80 .kt-blocks-info-box-link-wrap{box-shadow:0px 0px 14px 0px rgba(27, 32, 44, 0.2);}}@media all and (max-width: 1024px){.kt-info-box340_43a200-80 .kt-blocks-info-box-link-wrap:hover{box-shadow:0px 0px 14px 0px rgba(27, 32, 44, 0.2);}}@media all and (max-width: 767px){.wp-block-kadence-infobox.kt-info-box340_43a200-80 .kt-blocks-info-box-text{font-size:17px;line-height:30px;}.kt-info-box340_43a200-80 .kt-blocks-info-box-link-wrap{box-shadow:0px 0px 14px 0px rgba(27, 32, 44, 0.2);}.kt-info-box340_43a200-80 .kt-blocks-info-box-link-wrap:hover{box-shadow:0px 0px 14px 0px rgba(27, 32, 44, 0.2);}}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-box340_43a200-80\"><div class=\"kt-blocks-info-box-link-wrap kt-blocks-info-box-media-align-top kt-info-halign-center\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-icon-container kt-info-icon-animate-none\"><div class=\"kadence-info-box-icon-inner-container\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-info-svg-icon\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><div class=\"kt-blocks-info-box-title\">Government Resources<\/div><p class=\"kt-blocks-info-box-text\"><a href=\"https:\/\/msc.fema.gov\/portal\/home\">FEMA Maps<br><\/a><a href=\"https:\/\/www.fema.gov\" data-type=\"link\" data-id=\"https:\/\/www.fema.gov\">National Flood Program<br><\/a><a href=\"https:\/\/content.naic.org\/state-insurance-departments\" data-type=\"link\" data-id=\"https:\/\/content.naic.org\/state-insurance-departments\">Insurance Commissioner<br><\/a><\/p><\/div><\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column340_b130ee-b3 > .kt-inside-inner-col,.kadence-column340_b130ee-b3 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column340_b130ee-b3 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column340_b130ee-b3 > .kt-inside-inner-col{flex-direction:column;}.kadence-column340_b130ee-b3 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column340_b130ee-b3 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column340_b130ee-b3{position:relative;}@media all and (max-width: 1024px){.kadence-column340_b130ee-b3 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column340_b130ee-b3 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column340_b130ee-b3\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box340_255c51-43 .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box340_255c51-43 .kt-blocks-info-box-link-wrap{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;background:var(--global-palette9, #ffffff);padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-md, 2rem);}.kt-info-box340_255c51-43 .kt-blocks-info-box-link-wrap:hover{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;background:var(--global-palette9, #ffffff);}.kt-info-box340_255c51-43 .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box340_255c51-43 .kt-info-svg-icon-flip, .kt-info-box340_255c51-43 .kt-blocks-info-box-number{font-size:40px;}.kt-info-box340_255c51-43 .kt-blocks-info-box-media{color:var(--global-palette1, #3182CE);border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kt-info-box340_255c51-43 .kt-blocks-info-box-media-container{margin-top:0px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box340_255c51-43 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-media{color:var(--global-palette1, #3182CE);}.kt-info-box340_255c51-43 .kt-infobox-textcontent div.kt-blocks-info-box-title{color:var(--global-palette1, #3182CE);font-size:20px;font-weight:300;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:5px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box340_255c51-43 .kt-blocks-info-box-link-wrap:hover div.kt-blocks-info-box-title{color:var(--global-palette1, #3182CE);}.kt-info-box340_255c51-43 .kt-infobox-textcontent .kt-blocks-info-box-text{color:var(--global-palette6, #718096);}.wp-block-kadence-infobox.kt-info-box340_255c51-43 .kt-blocks-info-box-text{font-size:var(--global-kb-font-size-sm, 0.9rem);}.kt-info-box340_255c51-43 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-text{color:var(--global-palette6, #718096);}.kt-info-box340_255c51-43 .kt-blocks-info-box-learnmore{background:transparent;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box340_255c51-43 .kt-blocks-info-box-link-wrap{box-shadow:0px 0px 14px 0px rgba(27, 32, 44, 0.2);}.kt-info-box340_255c51-43 .kt-blocks-info-box-link-wrap:hover{box-shadow:0px 0px 14px 0px rgba(27, 32, 44, 0.2);}@media all and (max-width: 1024px){.kt-info-box340_255c51-43 .kt-blocks-info-box-link-wrap{box-shadow:0px 0px 14px 0px rgba(27, 32, 44, 0.2);}}@media all and (max-width: 1024px){.kt-info-box340_255c51-43 .kt-blocks-info-box-link-wrap:hover{box-shadow:0px 0px 14px 0px rgba(27, 32, 44, 0.2);}}@media all and (max-width: 767px){.wp-block-kadence-infobox.kt-info-box340_255c51-43 .kt-blocks-info-box-text{font-size:17px;line-height:30px;}.kt-info-box340_255c51-43 .kt-blocks-info-box-link-wrap{box-shadow:0px 0px 14px 0px rgba(27, 32, 44, 0.2);}.kt-info-box340_255c51-43 .kt-blocks-info-box-link-wrap:hover{box-shadow:0px 0px 14px 0px rgba(27, 32, 44, 0.2);}}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-box340_255c51-43\"><div class=\"kt-blocks-info-box-link-wrap kt-blocks-info-box-media-align-top kt-info-halign-center\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-icon-container kt-info-icon-animate-none\"><div class=\"kadence-info-box-icon-inner-container\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_star kt-info-svg-icon\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polygon points=\"12 2 15.09 8.26 22 9.27 17 14.14 18.18 21.02 12 17.77 5.82 21.02 7 14.14 2 9.27 8.91 8.26 12 2\"\/><\/svg><\/span><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><div class=\"kt-blocks-info-box-title\">Tools &amp; Calculators<\/div><p class=\"kt-blocks-info-box-text\">Home Inventory Checklist<br><a href=\"https:\/\/realrisktalk.com\/index.php\/our-clients\/insurance-calculators-checklist\/\" data-type=\"page\" data-id=\"105\">Life Insurance Calculator<br><\/a><a href=\"https:\/\/realrisktalk.com\/index.php\/1714-2\/\" data-type=\"page\" data-id=\"1714\">Auto Coverage Estimator<br><\/a><\/p><\/div><\/div><\/div>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n<\/div><\/div>\n\n\n<div class=\"wp-block-uagb-separator uagb-block-14a528f3\"><div class=\"uagb-separator-spacing-wrapper\"><div class=\"wp-block-uagb-separator__inner\" style=\"--my-background-image:\"><\/div><\/div><\/div>\n\n\n<style>.kb-row-layout-id340_436f8a-44 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id340_436f8a-44 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id340_436f8a-44 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-xxl, 5rem);padding-bottom:var(--global-kb-spacing-xxl, 5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id340_436f8a-44 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id340_436f8a-44 > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-lg, 3rem);grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id340_436f8a-44 > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id340_436f8a-44 alignfull has-theme-palette8-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column340_12458d-d9 > .kt-inside-inner-col,.kadence-column340_12458d-d9 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column340_12458d-d9 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column340_12458d-d9 > .kt-inside-inner-col{flex-direction:column;}.kadence-column340_12458d-d9 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column340_12458d-d9 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column340_12458d-d9{position:relative;}@media all and (max-width: 1024px){.kadence-column340_12458d-d9 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column340_12458d-d9 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column340_12458d-d9\"><div class=\"kt-inside-inner-col\"><style>.kadence-column340_0deb97-8d{max-width:660px;margin-left:auto;margin-right:auto;}.wp-block-kadence-column.kb-section-dir-horizontal:not(.kb-section-md-dir-vertical)>.kt-inside-inner-col>.kadence-column340_0deb97-8d{-webkit-flex:0 1 660px;flex:0 1 660px;max-width:unset;margin-left:unset;margin-right:unset;}.kadence-column340_0deb97-8d > .kt-inside-inner-col{padding-bottom:var(--global-kb-spacing-lg, 3rem);}.kadence-column340_0deb97-8d > .kt-inside-inner-col,.kadence-column340_0deb97-8d > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column340_0deb97-8d > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column340_0deb97-8d > .kt-inside-inner-col{flex-direction:column;}.kadence-column340_0deb97-8d > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column340_0deb97-8d > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column340_0deb97-8d{position:relative;}.kadence-column340_0deb97-8d, .kt-inside-inner-col > .kadence-column340_0deb97-8d:not(.specificity){margin-left:0px;}@media all and (min-width: 1025px){.wp-block-kadence-column.kb-section-dir-horizontal>.kt-inside-inner-col>.kadence-column340_0deb97-8d{-webkit-flex:0 1 660px;flex:0 1 660px;max-width:unset;margin-left:unset;margin-right:unset;}}@media all and (max-width: 1024px){.kadence-column340_0deb97-8d > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-column.kb-section-sm-dir-vertical:not(.kb-section-sm-dir-horizontal):not(.kb-section-sm-dir-specificity)>.kt-inside-inner-col>.kadence-column340_0deb97-8d{max-width:660px;-webkit-flex:1;flex:1;margin-left:auto;margin-right:auto;}.kadence-column340_0deb97-8d > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column340_0deb97-8d\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading340_7b75fe-71, .wp-block-kadence-advancedheading.kt-adv-heading340_7b75fe-71[data-kb-block=\"kb-adv-heading340_7b75fe-71\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading340_7b75fe-71 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading340_7b75fe-71[data-kb-block=\"kb-adv-heading340_7b75fe-71\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading340_7b75fe-71 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading340_7b75fe-71[data-kb-block=\"kb-adv-heading340_7b75fe-71\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading340_7b75fe-71, .wp-block-kadence-advancedheading.kt-adv-heading340_7b75fe-71[data-kb-block=\"kb-adv-heading340_7b75fe-71\"]{padding-bottom:var(--global-kb-spacing-xs, 1rem);margin-bottom:var(--global-kb-spacing-xs, 1rem);font-size:28px;}}<\/style>\n<h3 class=\"kt-adv-heading340_7b75fe-71 wp-block-kadence-advancedheading has-theme-palette-5-color has-text-color\" data-kb-block=\"kb-adv-heading340_7b75fe-71\">Your new AI assistant for insurance questions is almost here.<\/h3>\n\n\n\n<p class=\"has-md-md-font-size has-theme-palette-5-color has-text-color has-link-color wp-elements-f0fc2c1a95d8bed517cd93c9072901fc\">Whether you&#8217;re confused about liability limits, curious about umbrella protection, or want help explaining your coverages, RiskBot has your back \u2014 24\/7.<\/p>\n<\/div><\/div>\n\n\n<style>.kb-row-layout-id340_eec671-80 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id340_eec671-80 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id340_eec671-80 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-lg, 4rem);row-gap:var(--global-kb-gap-lg, 4rem);padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id340_eec671-80 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id340_eec671-80 > .kt-row-column-wrap{padding-right:var(--global-kb-spacing-4xl, 8rem);padding-left:var(--global-kb-spacing-4xl, 8rem);grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id340_eec671-80 > .kt-row-column-wrap{padding-right:0px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id340_eec671-80 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column340_2066d5-3b > .kt-inside-inner-col,.kadence-column340_2066d5-3b > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column340_2066d5-3b > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column340_2066d5-3b > .kt-inside-inner-col{flex-direction:column;}.kadence-column340_2066d5-3b > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column340_2066d5-3b > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column340_2066d5-3b{position:relative;}@media all and (max-width: 1024px){.kadence-column340_2066d5-3b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column340_2066d5-3b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column340_2066d5-3b\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1536\" height=\"1024\" src=\"https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/06\/ChatGPT-Image-Jun-12-2025-at-07_42_04-AM-1.png\" alt=\"\" class=\"wp-image-2020\" srcset=\"https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/06\/ChatGPT-Image-Jun-12-2025-at-07_42_04-AM-1.png 1536w, https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/06\/ChatGPT-Image-Jun-12-2025-at-07_42_04-AM-1-300x200.png 300w\" sizes=\"auto, (max-width: 1536px) 100vw, 1536px\" \/><\/figure>\n<\/div><\/div>\n\n\n<style>.kadence-column340_8da16f-cc > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-lg, 3rem);}.kadence-column340_8da16f-cc > .kt-inside-inner-col,.kadence-column340_8da16f-cc > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column340_8da16f-cc > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column340_8da16f-cc > .kt-inside-inner-col{flex-direction:column;}.kadence-column340_8da16f-cc > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column340_8da16f-cc > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column340_8da16f-cc{position:relative;}@media all and (max-width: 1024px){.kadence-column340_8da16f-cc > .kt-inside-inner-col{padding-top:0px;flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column340_8da16f-cc > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column340_8da16f-cc\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading340_ccbc77-43, .wp-block-kadence-advancedheading.kt-adv-heading340_ccbc77-43[data-kb-block=\"kb-adv-heading340_ccbc77-43\"]{line-height:1.2;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading340_ccbc77-43 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading340_ccbc77-43[data-kb-block=\"kb-adv-heading340_ccbc77-43\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading340_ccbc77-43 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading340_ccbc77-43[data-kb-block=\"kb-adv-heading340_ccbc77-43\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading340_ccbc77-43, .wp-block-kadence-advancedheading.kt-adv-heading340_ccbc77-43[data-kb-block=\"kb-adv-heading340_ccbc77-43\"]{padding-bottom:var(--global-kb-spacing-xs, 1rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);font-size:var(--global-kb-font-size-lg, 2rem);}}<\/style>\n<h3 class=\"kt-adv-heading340_ccbc77-43 wp-block-kadence-advancedheading has-theme-palette-5-color has-text-color\" data-kb-block=\"kb-adv-heading340_ccbc77-43\">We\u2019re building a dedicated space just for agents, too.<\/h3>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading340_91ac72-3b, .wp-block-kadence-advancedheading.kt-adv-heading340_91ac72-3b[data-kb-block=\"kb-adv-heading340_91ac72-3b\"]{font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading340_91ac72-3b mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading340_91ac72-3b[data-kb-block=\"kb-adv-heading340_91ac72-3b\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading340_91ac72-3b img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading340_91ac72-3b[data-kb-block=\"kb-adv-heading340_91ac72-3b\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading340_91ac72-3b wp-block-kadence-advancedheading has-theme-palette-5-color has-text-color\" data-kb-block=\"kb-adv-heading340_91ac72-3b\">A private space just for agents with extra tools, FAQs, and access to bonus resources. Whether you\u2019re quoting, explaining coverage, or educating clients, RiskBot will have your back.<\/p>\n\n\n<style>.wp-block-kadence-advancedbtn.kb-btns340_f7a5fe-80{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:flex-start;align-items:center;}.kt-btns340_f7a5fe-80 .kt-button{font-weight:normal;font-style:normal;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns340_f7a5fe-80{justify-content:flex-start;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kb-btns340_f7a5fe-80{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns340_f7a5fe-80\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn340_d23339-0a.kb-button{width:initial;}.wp-block-kadence-advancedbtn .kb-btn340_d23339-0a.kb-button{font-family:var( --global-body-font-family, inherit );text-transform:capitalize;}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn340_d23339-0a.kb-button{font-size:var(--global-kb-font-size-md, 1.25rem);letter-spacing:0px;}}<\/style><a class=\"kb-button kt-button button kb-btn340_d23339-0a kt-btn-size-standard kt-btn-width-type-full kb-btn-global-fill  kt-btn-has-text-true kt-btn-has-svg-false  wp-block-kadence-singlebtn\" href=\"https:\/\/realrisktalk.com\/index.php\/register\/\"><span class=\"kt-btn-inner-text\">Agents register here<\/span><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id340_865dce-9a{margin-top:0px;margin-bottom:0px;}.kb-row-layout-id340_865dce-9a > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id340_865dce-9a > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id340_865dce-9a > .kt-row-column-wrap{column-gap:var(--global-kb-gap-lg, 4rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-xxl, 5rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);grid-template-columns:minmax(0, calc(45% - ((var(--global-kb-gap-lg, 4rem) * 1 )\/2)))minmax(0, calc(55% - ((var(--global-kb-gap-lg, 4rem) * 1 )\/2)));}.kb-row-layout-id340_865dce-9a > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id340_865dce-9a > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id340_865dce-9a > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );padding-top:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id340_865dce-9a alignfull has-theme-palette9-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column340_2008d6-3f > .kt-inside-inner-col{display:flex;}.kadence-column340_2008d6-3f > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kadence-column340_2008d6-3f > .kt-inside-inner-col,.kadence-column340_2008d6-3f > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column340_2008d6-3f > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column340_2008d6-3f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column340_2008d6-3f > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column340_2008d6-3f{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column340_2008d6-3f{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column340_2008d6-3f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column340_2008d6-3f > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column340_2008d6-3f{text-align:center;}.kadence-column340_2008d6-3f{position:relative;}.kadence-column340_2008d6-3f, .kt-inside-inner-col > .kadence-column340_2008d6-3f:not(.specificity){margin-right:0px;margin-left:0px;}@media all and (max-width: 1024px){.kadence-column340_2008d6-3f > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column340_2008d6-3f{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column340_2008d6-3f{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column340_2008d6-3f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column340_2008d6-3f{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column340_2008d6-3f{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column340_2008d6-3f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column340_2008d6-3f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column340_2008d6-3f\"><div class=\"kt-inside-inner-col\">\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\">\n<div class=\"wp-block-uagb-container uagb-block-78b0ace5 default uagb-is-root-container\"><style>.wp-block-kadence-advancedheading.kt-adv-heading340_1f1293-d2, .wp-block-kadence-advancedheading.kt-adv-heading340_1f1293-d2[data-kb-block=\"kb-adv-heading340_1f1293-d2\"]{text-align:left;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading340_1f1293-d2 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading340_1f1293-d2[data-kb-block=\"kb-adv-heading340_1f1293-d2\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading340_1f1293-d2 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading340_1f1293-d2[data-kb-block=\"kb-adv-heading340_1f1293-d2\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading340_1f1293-d2, .wp-block-kadence-advancedheading.kt-adv-heading340_1f1293-d2[data-kb-block=\"kb-adv-heading340_1f1293-d2\"]{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-xs, 1rem);margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-right:var(--global-kb-spacing-xxs, 0.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:var(--global-kb-spacing-xxs, 0.5rem);font-size:30px;}}<\/style>\n<h3 class=\"kt-adv-heading340_1f1293-d2 wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color\" data-kb-block=\"kb-adv-heading340_1f1293-d2\">Built on Real Information.<br>No Sales Pitch.<br>Just Real Talk 24\/7.<\/h3>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column340_d4f156-64 > .kt-inside-inner-col{display:flex;}.kadence-column340_d4f156-64 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kadence-column340_d4f156-64 > .kt-inside-inner-col,.kadence-column340_d4f156-64 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column340_d4f156-64 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column340_d4f156-64 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column340_d4f156-64 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column340_d4f156-64{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column340_d4f156-64{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column340_d4f156-64 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column340_d4f156-64 > .kt-inside-inner-col{background-color:var(--global-palette7, #EDF2F7);}.kadence-column340_d4f156-64 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column340_d4f156-64{text-align:center;}.kadence-column340_d4f156-64{position:relative;}.kadence-column340_d4f156-64, .kt-inside-inner-col > .kadence-column340_d4f156-64:not(.specificity){margin-right:var(--global-kb-spacing-xs, 1rem);margin-left:var(--global-kb-spacing-xs, 1rem);}@media all and (max-width: 1024px){.kadence-column340_d4f156-64 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column340_d4f156-64{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column340_d4f156-64{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column340_d4f156-64 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column340_d4f156-64{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column340_d4f156-64{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column340_d4f156-64 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column340_d4f156-64 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column340_d4f156-64\"><div class=\"kt-inside-inner-col\">\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center has-theme-palette-5-color has-text-color has-link-color wp-elements-97a6eb97181b8b71cc1889beae8fb12b\" style=\"margin-right:0;margin-left:0;padding-right:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--40);font-size:37px;font-style:normal;font-weight:200;letter-spacing:1px;line-height:1.1\">Here&#8217;s How <br>RiskBot Can <br>Help You:<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list uagb-block-f259e970\"><div class=\"uagb-icon-list__wrap\">\n<div class=\"wp-block-uagb-icon-list-child uagb-block-2c3bf7b2\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M256 0C114.6 0 0 114.6 0 256c0 141.4 114.6 256 256 256s256-114.6 256-256C512 114.6 397.4 0 256 0zM406.6 278.6l-103.1 103.1c-12.5 12.5-32.75 12.5-45.25 0s-12.5-32.75 0-45.25L306.8 288H128C110.3 288 96 273.7 96 256s14.31-32 32-32h178.8l-49.38-49.38c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0l103.1 103.1C414.6 241.3 416 251.1 416 256C416 260.9 414.6 270.7 406.6 278.6z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\"><strong>Answer your coverage questions 24\/7<\/strong>\u00a0\u2014 no jargon, no hold music<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-2152c8c5\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M256 0C114.6 0 0 114.6 0 256c0 141.4 114.6 256 256 256s256-114.6 256-256C512 114.6 397.4 0 256 0zM406.6 278.6l-103.1 103.1c-12.5 12.5-32.75 12.5-45.25 0s-12.5-32.75 0-45.25L306.8 288H128C110.3 288 96 273.7 96 256s14.31-32 32-32h178.8l-49.38-49.38c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0l103.1 103.1C414.6 241.3 416 251.1 416 256C416 260.9 414.6 270.7 406.6 278.6z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\"><strong>Give real-world examples<\/strong>\u00a0so you finally\u00a0get\u00a0why coverage matters<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-e55022ff\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M256 0C114.6 0 0 114.6 0 256c0 141.4 114.6 256 256 256s256-114.6 256-256C512 114.6 397.4 0 256 0zM406.6 278.6l-103.1 103.1c-12.5 12.5-32.75 12.5-45.25 0s-12.5-32.75 0-45.25L306.8 288H128C110.3 288 96 273.7 96 256s14.31-32 32-32h178.8l-49.38-49.38c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0l103.1 103.1C414.6 241.3 416 251.1 416 256C416 260.9 414.6 270.7 406.6 278.6z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\"><strong>Highlight common gaps<\/strong> <strong>and risks\u00a0<\/strong>most people miss<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-f49fcc46\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M256 0C114.6 0 0 114.6 0 256c0 141.4 114.6 256 256 256s256-114.6 256-256C512 114.6 397.4 0 256 0zM406.6 278.6l-103.1 103.1c-12.5 12.5-32.75 12.5-45.25 0s-12.5-32.75 0-45.25L306.8 288H128C110.3 288 96 273.7 96 256s14.31-32 32-32h178.8l-49.38-49.38c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0l103.1 103.1C414.6 241.3 416 251.1 416 256C416 260.9 414.6 270.7 406.6 278.6z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\"><strong>Point you to helpful tools and resources<\/strong>\u00a0in SC, NC, and GA<\/span><\/div>\n<\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column340_fb1b77-6f > .kt-inside-inner-col{padding-bottom:0px;padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kadence-column340_fb1b77-6f > .kt-inside-inner-col,.kadence-column340_fb1b77-6f > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column340_fb1b77-6f > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column340_fb1b77-6f > .kt-inside-inner-col{flex-direction:column;}.kadence-column340_fb1b77-6f > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column340_fb1b77-6f > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column340_fb1b77-6f{position:relative;}@media all and (max-width: 1024px){.kadence-column340_fb1b77-6f > .kt-inside-inner-col{padding-bottom:var(--global-kb-spacing-xxl, 5rem);padding-left:0px;flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column340_fb1b77-6f > .kt-inside-inner-col{padding-bottom:0px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column340_fb1b77-6f\"><div class=\"kt-inside-inner-col\"><style>.kb-gallery-id-340_007698-72 .kadence-blocks-gallery-item .kb-gal-image-radius, .kb-gallery-id-340_007698-72 .kb-slide-item .kb-gal-image-radius img{border-radius:0px 0px 0px 0px;;}.kb-gallery-wrap-id-340_007698-72.wp-block-kadence-advancedgallery{overflow:visible;}.kb-gallery-wrap-id-340_007698-72.wp-block-kadence-advancedgallery .kt-blocks-carousel{overflow:visible;}<\/style><div class=\"kb-gallery-wrap-id-340_007698-72 alignnone wp-block-kadence-advancedgallery\"><div class=\"kb-gallery-ul kb-gallery-non-static kb-gallery-type-slider kb-gallery-id-340_007698-72 kb-gallery-caption-style-bottom-hover kb-gallery-filter-none\" data-image-filter=\"none\" data-lightbox-caption=\"true\"><div class=\"kt-blocks-carousel splide kt-carousel-container-dotstyle-dark kt-carousel-arrowstyle-none kt-carousel-dotstyle-dark kb-slider-group-arrow kb-slider-arrow-position-center\" data-slider-anim-speed=\"400\" data-slider-scroll=\"1\" data-slider-arrows=\"false\" data-slider-fade=\"true\" data-slider-dots=\"true\" data-slider-type=\"slider\" data-slider-hover-pause=\"false\" data-slider-auto=\"1\" data-slider-speed=\"12030\" data-show-pause-button=\"false\"><div class=\"splide__track\"><ul class=\"kt-blocks-carousel-init kb-blocks-slider splide__list\"><li class=\"kb-slide-item kb-gallery-slide-item splide__slide\"><div class=\"kadence-blocks-gallery-item\"><div class=\"kadence-blocks-gallery-item-inner\"><figure class=\"kb-gallery-figure kadence-blocks-gallery-item-hide-caption\"><div class=\"kb-gal-image-radius\"><div class=\"kb-gallery-image-contain kadence-blocks-gallery-intrinsic kb-gallery-image-ratio-port23 kb-has-image-ratio-port23\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/06\/e72d4e4e-0a83-4fda-80a9-128c7472983b-2.png\" width=\"1024\" height=\"1536\" alt=\"\" data-full-image=\"https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/06\/e72d4e4e-0a83-4fda-80a9-128c7472983b-2.png\" data-light-image=\"https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/06\/e72d4e4e-0a83-4fda-80a9-128c7472983b-2.png\" data-id=\"2005\" class=\"wp-image-2005 skip-lazy\" srcset=\"https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/06\/e72d4e4e-0a83-4fda-80a9-128c7472983b-2.png 1024w, https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/06\/e72d4e4e-0a83-4fda-80a9-128c7472983b-2-200x300.png 200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/div><\/div><\/figure><\/div><\/div><\/li><\/ul><\/div><\/div><\/div><\/div><\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kadence-column340_ec59a7-63 > .kt-inside-inner-col,.kadence-column340_ec59a7-63 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column340_ec59a7-63 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column340_ec59a7-63 > .kt-inside-inner-col{flex-direction:column;}.kadence-column340_ec59a7-63 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column340_ec59a7-63 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column340_ec59a7-63{position:relative;}@media all and (max-width: 1024px){.kadence-column340_ec59a7-63 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column340_ec59a7-63 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column340_ec59a7-63\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading340_50872a-12, .wp-block-kadence-advancedheading.kt-adv-heading340_50872a-12[data-kb-block=\"kb-adv-heading340_50872a-12\"]{text-align:center;font-size:24px;font-style:normal;text-shadow:1px 1px 1px rgba(0, 0, 0, 0.2);}.wp-block-kadence-advancedheading.kt-adv-heading340_50872a-12 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading340_50872a-12[data-kb-block=\"kb-adv-heading340_50872a-12\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading340_50872a-12 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading340_50872a-12[data-kb-block=\"kb-adv-heading340_50872a-12\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading340_50872a-12, .wp-block-kadence-advancedheading.kt-adv-heading340_50872a-12[data-kb-block=\"kb-adv-heading340_50872a-12\"]{text-shadow:1px 1px 1px rgba(0, 0, 0, 0.2);}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading340_50872a-12, .wp-block-kadence-advancedheading.kt-adv-heading340_50872a-12[data-kb-block=\"kb-adv-heading340_50872a-12\"]{text-shadow:1px 1px 1px #edf6ff;font-size:23px;line-height:1.2;}}<\/style>\n<h6 class=\"kt-adv-heading340_50872a-12 wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color has-theme-palette-6-background-color has-background\" data-kb-block=\"kb-adv-heading340_50872a-12\">Sign up below to be the first to know when RiskBot goes live!<\/h6>\n\n\n<style>.wp-block-kadence-spacer.kt-block-spacer-340_e64b23-a0 .kt-block-spacer{height:49px;}.wp-block-kadence-spacer.kt-block-spacer-340_e64b23-a0 .kt-divider{border-top-width:1px;height:1px;border-top-color:rgba(238, 238, 238, 0.02);width:80%;border-top-style:solid;}@media all and (max-width: 767px){.wp-block-kadence-spacer.kt-block-spacer-340_e64b23-a0 .kt-block-spacer{height:34px!important;}}<\/style>\n<div class=\"wp-block-kadence-spacer aligncenter kt-block-spacer-340_e64b23-a0\"><div class=\"kt-block-spacer kt-block-spacer-halign-center\"><hr class=\"kt-divider\"\/><\/div><\/div>\n<\/div><\/div>\n\n\n\n<style type=\"text\/css\">@import url(\"https:\/\/assets.mlcdn.com\/fonts.css?version=1745574\");<\/style>\n    <style type=\"text\/css\">\n    \/* LOADER *\/\n    .ml-form-embedSubmitLoad {\n      display: inline-block;\n      width: 20px;\n      height: 20px;\n    }\n\n    .g-recaptcha {\n    transform: scale(1);\n    -webkit-transform: scale(1);\n    transform-origin: 0 0;\n    -webkit-transform-origin: 0 0;\n    height: ;\n    }\n\n    .sr-only {\n      position: absolute;\n      width: 1px;\n      height: 1px;\n      padding: 0;\n      margin: -1px;\n      overflow: hidden;\n      clip: rect(0,0,0,0);\n      border: 0;\n    }\n\n    .ml-form-embedSubmitLoad:after {\n      content: \" \";\n      display: block;\n      width: 11px;\n      height: 11px;\n      margin: 1px;\n      border-radius: 50%;\n      border: 4px solid #fff;\n    border-color: #162473 #162473 #162473 transparent;\n    animation: ml-form-embedSubmitLoad 1.2s linear infinite;\n    }\n    @keyframes ml-form-embedSubmitLoad {\n      0% {\n      transform: rotate(0deg);\n      }\n      100% {\n      transform: rotate(360deg);\n      }\n    }\n      #mlb2-25406459.ml-form-embedContainer {\n        box-sizing: border-box;\n        display: table;\n        margin: 0 auto;\n        position: static;\n        width: 100% !important;\n      }\n      #mlb2-25406459.ml-form-embedContainer h4,\n      #mlb2-25406459.ml-form-embedContainer p,\n      #mlb2-25406459.ml-form-embedContainer span,\n      #mlb2-25406459.ml-form-embedContainer button {\n        text-transform: none !important;\n        letter-spacing: normal !important;\n      }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper {\n        background-color: #1d508f;\n        \n        border-width: 5px;\n        border-color: #e6e6e6;\n        border-radius: 4px;\n        border-style: solid;\n        box-sizing: border-box;\n        display: inline-block !important;\n        margin: 0;\n        padding: 0;\n        position: relative;\n              }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper.embedPopup,\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper.embedDefault { width: 100%; }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper.embedForm { max-width: 100%; width: 100%; }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-align-left { text-align: left; }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-align-center { text-align: center; }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-align-default { display: table-cell !important; vertical-align: middle !important; text-align: center !important; }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-align-right { text-align: right; }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedHeader img {\n        border-top-left-radius: 4px;\n        border-top-right-radius: 4px;\n        height: auto;\n        margin: 0 auto !important;\n        max-width: 100%;\n        width: undefinedpx;\n      }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody,\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-successBody {\n        padding: 20px 20px 0 20px;\n      }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody.ml-form-embedBodyHorizontal {\n        padding-bottom: 0;\n      }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-embedContent,\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-successBody .ml-form-successContent {\n        text-align: left;\n        margin: 0 0 20px 0;\n      }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-embedContent h4,\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-successBody .ml-form-successContent h4 {\n        color: #ffffff;\n        font-family: 'Open Sans', Arial, Helvetica, sans-serif;\n        font-size: 30px;\n        font-weight: 400;\n        margin: 0 0 10px 0;\n        text-align: left;\n        word-break: break-word;\n      }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-embedContent p,\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-successBody .ml-form-successContent p {\n        color: #ffffff;\n        font-family: 'Open Sans', Arial, Helvetica, sans-serif;\n        font-size: 16px;\n        font-weight: 400;\n        line-height: 22px;\n        margin: 0 0 10px 0;\n        text-align: left;\n      }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-embedContent ul,\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-embedContent ol,\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-successBody .ml-form-successContent ul,\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-successBody .ml-form-successContent ol {\n        color: #ffffff;\n        font-family: 'Open Sans', Arial, Helvetica, sans-serif;\n        font-size: 16px;\n      }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-embedContent ol ol,\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-successBody .ml-form-successContent ol ol {\n        list-style-type: lower-alpha;\n      }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-embedContent ol ol ol,\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-successBody .ml-form-successContent ol ol ol {\n        list-style-type: lower-roman;\n      }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-embedContent p a,\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-successBody .ml-form-successContent p a {\n        color: #ffffff;\n        text-decoration: underline;\n      }\n\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-block-form .ml-field-group {\n        text-align: left!important;\n      }\n\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-block-form .ml-field-group label {\n        margin-bottom: 5px;\n        color: #1d508f;\n        font-size: 14px;\n        font-family: 'Open Sans', Arial, Helvetica, sans-serif;\n        font-weight: bold; font-style: normal; text-decoration: none;;\n        display: inline-block;\n        line-height: 20px;\n      }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-embedContent p:last-child,\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-successBody .ml-form-successContent p:last-child {\n        margin: 0;\n      }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody form {\n        margin: 0;\n        width: 100%;\n      }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-formContent,\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-checkboxRow {\n        margin: 0 0 20px 0;\n        width: 100%;\n      }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-checkboxRow {\n        float: left;\n      }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-formContent.horozintalForm {\n        margin: 0;\n        padding: 0 0 20px 0;\n        width: 100%;\n        height: auto;\n        float: left;\n      }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-fieldRow {\n        margin: 0 0 10px 0;\n        width: 100%;\n      }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-fieldRow.ml-last-item {\n        margin: 0;\n      }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-fieldRow.ml-formfieldHorizintal {\n        margin: 0;\n      }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-fieldRow input {\n        background-color: #ffffff !important;\n        color: #333333 !important;\n        border-color: #cccccc;\n        border-radius: 4px !important;\n        border-style: solid !important;\n        border-width: 1px !important;\n        font-family: 'Open Sans', Arial, Helvetica, sans-serif;\n        font-size: 14px !important;\n        height: auto;\n        line-height: 21px !important;\n        margin-bottom: 0;\n        margin-top: 0;\n        margin-left: 0;\n        margin-right: 0;\n        padding: 10px 10px !important;\n        width: 100% !important;\n        box-sizing: border-box !important;\n        max-width: 100% !important;\n      }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-fieldRow input::-webkit-input-placeholder,\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-horizontalRow input::-webkit-input-placeholder { color: #333333; }\n\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-fieldRow input::-moz-placeholder,\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-horizontalRow input::-moz-placeholder { color: #333333; }\n\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-fieldRow input:-ms-input-placeholder,\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-horizontalRow input:-ms-input-placeholder { color: #333333; }\n\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-fieldRow input:-moz-placeholder,\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-horizontalRow input:-moz-placeholder { color: #333333; }\n\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-fieldRow textarea, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-horizontalRow textarea {\n        background-color: #ffffff !important;\n        color: #333333 !important;\n        border-color: #cccccc;\n        border-radius: 4px !important;\n        border-style: solid !important;\n        border-width: 1px !important;\n        font-family: 'Open Sans', Arial, Helvetica, sans-serif;\n        font-size: 14px !important;\n        height: auto;\n        line-height: 21px !important;\n        margin-bottom: 0;\n        margin-top: 0;\n        padding: 10px 10px !important;\n        width: 100% !important;\n        box-sizing: border-box !important;\n        max-width: 100% !important;\n      }\n\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-fieldRow .custom-radio .custom-control-label::before, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-horizontalRow .custom-radio .custom-control-label::before, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-fieldRow .custom-checkbox .custom-control-label::before, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-horizontalRow .custom-checkbox .custom-control-label::before, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-embedPermissions .ml-form-embedPermissionsOptionsCheckbox .label-description::before, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-interestGroupsRow .ml-form-interestGroupsRowCheckbox .label-description::before, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-checkboxRow .label-description::before {\n          border-color: #cccccc!important;\n          background-color: #ffffff!important;\n      }\n\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-fieldRow input.custom-control-input[type=\"checkbox\"]{\n        box-sizing: border-box;\n        padding: 0;\n        position: absolute;\n        z-index: -1;\n        opacity: 0;\n        margin-top: 5px;\n        margin-left: -1.5rem;\n        overflow: visible;\n      }\n\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-fieldRow .custom-checkbox .custom-control-label::before, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-horizontalRow .custom-checkbox .custom-control-label::before, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-embedPermissions .ml-form-embedPermissionsOptionsCheckbox .label-description::before, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-interestGroupsRow .ml-form-interestGroupsRowCheckbox .label-description::before, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-checkboxRow .label-description::before {\n        border-radius: 4px!important;\n      }\n\n\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-checkboxRow input[type=checkbox]:checked~.label-description::after, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-embedPermissions .ml-form-embedPermissionsOptionsCheckbox input[type=checkbox]:checked~.label-description::after, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-fieldRow .custom-checkbox .custom-control-input:checked~.custom-control-label::after, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-horizontalRow .custom-checkbox .custom-control-input:checked~.custom-control-label::after, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-interestGroupsRow .ml-form-interestGroupsRowCheckbox input[type=checkbox]:checked~.label-description::after {\n        background-image: url(\"data:image\/svg+xml,%3csvg xmlns='http:\/\/www.w3.org\/2000\/svg' viewBox='0 0 8 8'%3e%3cpath fill='%23fff' d='M6.564.75l-3.59 3.612-1.538-1.55L0 4.26 2.974 7.25 8 2.193z'\/%3e%3c\/svg%3e\");\n      }\n\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-fieldRow .custom-radio .custom-control-input:checked~.custom-control-label::after, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-fieldRow .custom-radio .custom-control-input:checked~.custom-control-label::after {\n        background-image: url(\"data:image\/svg+xml,%3csvg xmlns='http:\/\/www.w3.org\/2000\/svg' viewBox='-4 -4 8 8'%3e%3ccircle r='3' fill='%23fff'\/%3e%3c\/svg%3e\");\n      }\n\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-fieldRow .custom-radio .custom-control-input:checked~.custom-control-label::before, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-horizontalRow .custom-radio .custom-control-input:checked~.custom-control-label::before, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-fieldRow .custom-checkbox .custom-control-input:checked~.custom-control-label::before, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-horizontalRow .custom-checkbox .custom-control-input:checked~.custom-control-label::before, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-embedPermissions .ml-form-embedPermissionsOptionsCheckbox input[type=checkbox]:checked~.label-description::before, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-interestGroupsRow .ml-form-interestGroupsRowCheckbox input[type=checkbox]:checked~.label-description::before, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-checkboxRow input[type=checkbox]:checked~.label-description::before  {\n          border-color: #000000!important;\n          background-color: #000000!important;\n      }\n\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-fieldRow .custom-radio .custom-control-label::before, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-horizontalRow .custom-radio .custom-control-label::before, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-fieldRow .custom-radio .custom-control-label::after, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-horizontalRow .custom-radio .custom-control-label::after, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-fieldRow .custom-checkbox .custom-control-label::before, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-fieldRow .custom-checkbox .custom-control-label::after, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-horizontalRow .custom-checkbox .custom-control-label::before, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-horizontalRow .custom-checkbox .custom-control-label::after {\n           top: 2px;\n           box-sizing: border-box;\n      }\n\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-embedPermissions .ml-form-embedPermissionsOptionsCheckbox .label-description::before, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-embedPermissions .ml-form-embedPermissionsOptionsCheckbox .label-description::after, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-checkboxRow .label-description::before, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-checkboxRow .label-description::after {\n           top: 0px!important;\n           box-sizing: border-box!important;\n      }\n\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-checkboxRow .label-description::before, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-checkboxRow .label-description::after {\n        top: 0px!important;\n           box-sizing: border-box!important;\n      }\n\n       #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-interestGroupsRow .ml-form-interestGroupsRowCheckbox .label-description::after {\n            top: 0px!important;\n            box-sizing: border-box!important;\n            position: absolute;\n            left: -1.5rem;\n            display: block;\n            width: 1rem;\n            height: 1rem;\n            content: \"\";\n       }\n\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-interestGroupsRow .ml-form-interestGroupsRowCheckbox .label-description::before {\n        top: 0px!important;\n        box-sizing: border-box!important;\n      }\n\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .custom-control-label::before {\n          position: absolute;\n          top: 4px;\n          left: -1.5rem;\n          display: block;\n          width: 16px;\n          height: 16px;\n          pointer-events: none;\n          content: \"\";\n          background-color: #ffffff;\n          border: #adb5bd solid 1px;\n          border-radius: 50%;\n      }\n\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .custom-control-label::after {\n          position: absolute;\n          top: 2px!important;\n          left: -1.5rem;\n          display: block;\n          width: 1rem;\n          height: 1rem;\n          content: \"\";\n      }\n\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-embedPermissions .ml-form-embedPermissionsOptionsCheckbox .label-description::before, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-interestGroupsRow .ml-form-interestGroupsRowCheckbox .label-description::before, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-checkboxRow .label-description::before {\n          position: absolute;\n          top: 4px;\n          left: -1.5rem;\n          display: block;\n          width: 16px;\n          height: 16px;\n          pointer-events: none;\n          content: \"\";\n          background-color: #ffffff;\n          border: #adb5bd solid 1px;\n          border-radius: 50%;\n      }\n\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-embedPermissions .ml-form-embedPermissionsOptionsCheckbox .label-description::after {\n          position: absolute;\n          top: 0px!important;\n          left: -1.5rem;\n          display: block;\n          width: 1rem;\n          height: 1rem;\n          content: \"\";\n      }\n\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-checkboxRow .label-description::after {\n          position: absolute;\n          top: 0px!important;\n          left: -1.5rem;\n          display: block;\n          width: 1rem;\n          height: 1rem;\n          content: \"\";\n      }\n\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .custom-radio .custom-control-label::after {\n          background: no-repeat 50%\/50% 50%;\n      }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .custom-checkbox .custom-control-label::after, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-embedPermissions .ml-form-embedPermissionsOptionsCheckbox .label-description::after, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-interestGroupsRow .ml-form-interestGroupsRowCheckbox .label-description::after, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-checkboxRow .label-description::after {\n          background: no-repeat 50%\/50% 50%;\n      }\n\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-fieldRow .custom-control, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-horizontalRow .custom-control {\n        position: relative;\n        display: block;\n        min-height: 1.5rem;\n        padding-left: 1.5rem;\n      }\n\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-fieldRow .custom-radio .custom-control-input, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-horizontalRow .custom-radio .custom-control-input, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-fieldRow .custom-checkbox .custom-control-input, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-horizontalRow .custom-checkbox .custom-control-input {\n          position: absolute;\n          z-index: -1;\n          opacity: 0;\n          box-sizing: border-box;\n          padding: 0;\n      }\n\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-fieldRow .custom-radio .custom-control-label, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-horizontalRow .custom-radio .custom-control-label, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-fieldRow .custom-checkbox .custom-control-label, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-horizontalRow .custom-checkbox .custom-control-label {\n          color: #000000;\n          font-size: 12px!important;\n          font-family: 'Open Sans', Arial, Helvetica, sans-serif;\n          line-height: 22px;\n          margin-bottom: 0;\n          position: relative;\n          vertical-align: top;\n          font-style: normal;\n          font-weight: 700;\n      }\n\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-fieldRow .custom-select, #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-horizontalRow .custom-select {\n        background-color: #ffffff !important;\n        color: #333333 !important;\n        border-color: #cccccc;\n        border-radius: 4px !important;\n        border-style: solid !important;\n        border-width: 1px !important;\n        font-family: 'Open Sans', Arial, Helvetica, sans-serif;\n        font-size: 14px !important;\n        line-height: 20px !important;\n        margin-bottom: 0;\n        margin-top: 0;\n        padding: 10px 28px 10px 12px !important;\n        width: 100% !important;\n        box-sizing: border-box !important;\n        max-width: 100% !important;\n        height: auto;\n        display: inline-block;\n        vertical-align: middle;\n        background: url('https:\/\/assets.mlcdn.com\/ml\/images\/default\/dropdown.svg') no-repeat right .75rem center\/8px 10px;\n        -webkit-appearance: none;\n        -moz-appearance: none;\n        appearance: none;\n      }\n\n\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-horizontalRow {\n        height: auto;\n        width: 100%;\n        float: left;\n      }\n      .ml-form-formContent.horozintalForm .ml-form-horizontalRow .ml-input-horizontal { width: 70%; float: left; }\n      .ml-form-formContent.horozintalForm .ml-form-horizontalRow .ml-button-horizontal { width: 30%; float: left; }\n      .ml-form-formContent.horozintalForm .ml-form-horizontalRow .ml-button-horizontal.labelsOn { padding-top: 25px;  }\n      .ml-form-formContent.horozintalForm .ml-form-horizontalRow .horizontal-fields { box-sizing: border-box; float: left; padding-right: 10px;  }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-horizontalRow input {\n        background-color: #ffffff;\n        color: #333333;\n        border-color: #cccccc;\n        border-radius: 4px;\n        border-style: solid;\n        border-width: 1px;\n        font-family: 'Open Sans', Arial, Helvetica, sans-serif;\n        font-size: 14px;\n        line-height: 20px;\n        margin-bottom: 0;\n        margin-top: 0;\n        padding: 10px 10px;\n        width: 100%;\n        box-sizing: border-box;\n        overflow-y: initial;\n      }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-horizontalRow button {\n        background-color: #ffffff !important;\n        border-color: #ffffff;\n        border-style: solid;\n        border-width: 1px;\n        border-radius: 4px;\n        box-shadow: none;\n        color: #162473 !important;\n        cursor: pointer;\n        font-family: 'Open Sans', Arial, Helvetica, sans-serif;\n        font-size: 14px !important;\n        font-weight: 700;\n        line-height: 20px;\n        margin: 0 !important;\n        padding: 10px !important;\n        width: 100%;\n        height: auto;\n      }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-horizontalRow button:hover {\n        background-color: #333333 !important;\n        border-color: #333333 !important;\n      }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-checkboxRow input[type=\"checkbox\"] {\n        box-sizing: border-box;\n        padding: 0;\n        position: absolute;\n        z-index: -1;\n        opacity: 0;\n        margin-top: 5px;\n        margin-left: -1.5rem;\n        overflow: visible;\n      }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-checkboxRow .label-description {\n        color: #ffffff;\n        display: block;\n        font-family: 'Open Sans', Arial, Helvetica, sans-serif;\n        font-size: 12px;\n        text-align: left;\n        margin-bottom: 0;\n        position: relative;\n        vertical-align: top;\n      }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-checkboxRow label {\n        font-weight: normal;\n        margin: 0;\n        padding: 0;\n        position: relative;\n        display: block;\n        min-height: 24px;\n        padding-left: 24px;\n\n      }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-checkboxRow label a {\n        color: #ffffff;\n        text-decoration: underline;\n      }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-checkboxRow label p {\n        color: #ffffff !important;\n        font-family: 'Open Sans', Arial, Helvetica, sans-serif !important;\n        font-size: 12px !important;\n        font-weight: normal !important;\n        line-height: 18px !important;\n        padding: 0 !important;\n        margin: 0 5px 0 0 !important;\n      }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-checkboxRow label p:last-child {\n        margin: 0;\n      }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-embedSubmit {\n        margin: 0 0 20px 0;\n        float: left;\n        width: 100%;\n      }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-embedSubmit button {\n        background-color: #ffffff !important;\n        border: none !important;\n        border-radius: 4px !important;\n        box-shadow: none !important;\n        color: #162473 !important;\n        cursor: pointer;\n        font-family: 'Open Sans', Arial, Helvetica, sans-serif !important;\n        font-size: 14px !important;\n        font-weight: 700 !important;\n        line-height: 21px !important;\n        height: auto;\n        padding: 10px !important;\n        width: 100% !important;\n        box-sizing: border-box !important;\n      }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-embedSubmit button.loading {\n        display: none;\n      }\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-embedSubmit button:hover {\n        background-color: #333333 !important;\n      }\n      .ml-subscribe-close {\n        width: 30px;\n        height: 30px;\n        background: url('https:\/\/assets.mlcdn.com\/ml\/images\/default\/modal_close.png') no-repeat;\n        background-size: 30px;\n        cursor: pointer;\n        margin-top: -10px;\n        margin-right: -10px;\n        position: absolute;\n        top: 0;\n        right: 0;\n      }\n      .ml-error input, .ml-error textarea, .ml-error select {\n        border-color: red!important;\n      }\n\n      .ml-error .custom-checkbox-radio-list {\n        border: 1px solid red !important;\n        border-radius: 4px;\n        padding: 10px;\n      }\n\n      .ml-error .label-description,\n      .ml-error .label-description p,\n      .ml-error .label-description p a,\n      .ml-error label:first-child {\n        color: #ff0000 !important;\n      }\n\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-checkboxRow.ml-error .label-description p,\n      #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-checkboxRow.ml-error .label-description p:first-letter {\n        color: #ff0000 !important;\n      }\n            @media only screen and (max-width: 400px){\n\n        .ml-form-embedWrapper.embedDefault, .ml-form-embedWrapper.embedPopup { width: 100%!important; }\n        .ml-form-formContent.horozintalForm { float: left!important; }\n        .ml-form-formContent.horozintalForm .ml-form-horizontalRow { height: auto!important; width: 100%!important; float: left!important; }\n        .ml-form-formContent.horozintalForm .ml-form-horizontalRow .ml-input-horizontal { width: 100%!important; }\n        .ml-form-formContent.horozintalForm .ml-form-horizontalRow .ml-input-horizontal > div { padding-right: 0px!important; padding-bottom: 10px; }\n        .ml-form-formContent.horozintalForm .ml-button-horizontal { width: 100%!important; }\n        .ml-form-formContent.horozintalForm .ml-button-horizontal.labelsOn { padding-top: 0px!important; }\n\n      }\n    <\/style>\n\n    <style type=\"text\/css\">\n\n      .ml-mobileButton-horizontal { display: none; }\n\n      #mlb2-25406459 .ml-mobileButton-horizontal button {\n\n        background-color: #ffffff !important;\n        border-color: #ffffff !important;\n        border-style: solid !important;\n        border-width: 1px !important;\n        border-radius: 4px !important;\n        box-shadow: none !important;\n        color: #162473 !important;\n        cursor: pointer;\n        font-family: 'Open Sans', Arial, Helvetica, sans-serif !important;\n        font-size: 14px !important;\n        font-weight: 700 !important;\n        line-height: 20px !important;\n        padding: 10px !important;\n        width: 100% !important;\n\n      }\n\n      @media only screen and (max-width: 400px) {\n        #mlb2-25406459.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-formContent.horozintalForm {\n          padding: 0 0 10px 0 !important;\n        }\n        .ml-hide-horizontal { display: none !important; }\n        .ml-form-formContent.horozintalForm .ml-button-horizontal { display: none!important; }\n        .ml-mobileButton-horizontal { display: inline-block !important; margin-bottom: 20px;width:100%; }\n        .ml-form-formContent.horozintalForm .ml-form-horizontalRow .ml-input-horizontal > div { padding-bottom: 0px !important; }\n      }\n\n    <\/style>\n  <style type=\"text\/css\">\n    @media only screen and (max-width: 400px) {\n       .ml-form-formContent.horozintalForm .ml-form-horizontalRow .horizontal-fields {\n        margin-bottom: 10px !important;\n        width: 100% !important;\n      }\n    }\n  <\/style>\n    \n    \n\n    \n    \n\n    \n    \n\n    \n\n      \n        \n        \n      \n\n      \n        \n        \n      \n\n      \n\n            \n            \n            \n            \n            \n            \n      \n\n      \n\n      \n        \n        \n         \n        \n        \n      \n\n        \n        \n        \n        \n        \n        \n      \n\n       \n\n        \n        \n        \n        \n        \n        \n        \n       \n\n\n      \n        \n        \n        \n        \n  \n\n\n\n  \n        \n        \n        \n      \n\n\n      \n    \n    \n    \n    \n    \n    \n    \n  \n\n  \n        \n        \n        \n        \n        \n      \n\n      \n        \n        \n        \n        \n        \n      \n\n      \n        \n        \n        \n        \n        \n      \n\n       \n\n        \n        \n        \n        \n       \n\n       \n        \n        \n        \n        \n      \n\n      \n        \n        \n        \n        \n        \n        \n        \n       \n\n    \n\n    \n\n\n      \n\n\n      \n\n      \n      \n\n      \n\n      \n\n\n\n\n\n    \n\n      \n    <div id=\"mlb2-25406459\" class=\"ml-form-embedContainer ml-subscribe-form ml-subscribe-form-25406459\">\n      <div class=\"ml-form-align-center \">\n        <div class=\"ml-form-embedWrapper embedForm\">\n\n          \n          \n\n          <div class=\"ml-form-embedBody ml-form-embedBodyHorizontal row-form\">\n\n            <div class=\"ml-form-embedContent\" style=\" \">\n              \n                <h4>Insurance Tips That Don&#8217;t Suck<\/h4>\n                <p>Join our newsletter for actually helpful advice, real stories, and occasional dad jokes.<br><\/p>\n\n\n              \n            <\/div>\n\n            <form class=\"ml-block-form\" action=\"https:\/\/assets.mailerlite.com\/jsonp\/1487870\/forms\/153068401928963454\/subscribe\" data-code=\"\" method=\"post\" target=\"_blank\">\n              \n\n              <div class=\"ml-form-formContent horozintalForm\">\n                <div class=\"ml-form-horizontalRow\">\n                  <div class=\"ml-input-horizontal\">\n                    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