I Hope This Helps29 Joulu 2025

Uninsured, Underinsured, & How to Protect Yourself w/ Tom Birks

Part 2 of our conversation with Tom Birks, we get practical about what “good insurance” really looks like — because if you don’t get home and auto coverage right, it can be financially devastating. Tom explains why there’s no one-size-fits-all policy and how underwriting factors like zip code, roof age, siding, and distance to the fire department can change everything.

We also dive into the coverages most people overlook: liability and umbrella policies. Tom breaks down why umbrella coverage can be one of the smartest, most cost-effective ways to protect your income and assets, and how pushing too hard on price can lead to dangerous gaps — especially with uninsured/underinsured motorist coverage that many people don’t even realize was reduced.

If you’ve ever said “just give me the cheapest,” this episode will change how you think about insurance.

If this episode raised questions about your own insurance coverage or made you realize it’s time for a review, you can reach out directly to Tom Birks at Allstate Insurance.

📞 973-420-2427📧 ⁠tombirks@allstate.com⁠

🎧 Listen now on Apple Podcasts and YouTube — and if nothing else… I Hope This Helps.

#AutoInsurance #HomeInsurance #LiabilityCoverage#UmbrellaPolicy #InsuranceTips #Podcast #BusinessPodcast#FinancePodcast #IHopeThisHelps

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Jaksot(47)

Men’s Fashion, South Asian Weddings & Culture w/ Shashank Gupta

What does it take to build one of the biggest South Asian fashion brands in the U.S.? In this episode of I Hope This Helps, we sit down with Shashank Gupta — Owner of Nazranaa, men’s designer, and Exe...

7 Maalis 46min

Rosé, Pinot Grigio & Wine Truths w/ Nita Bardolia Part 2

In Part 2 of I Hope This Helps, we’re back with Nita Bardolia (GM of 56 Degree Wine and founder of Glass Half Full) for the kind of wine advice you can actually use at dinner, in a wine shop, or befor...

25 Helmi 28min

Pour. Learn. & Repeat w/ Nita Bardolia🍷

If you’ve ever walked into a wine shop and pretended you knew what you were looking at… this episode is for you. 🍷 On I Hope This Helps, we sit down with Nita Bardolia — General Manager of 56 Degree ...

18 Helmi 58min

Teaching, Consistency, & YouTube w/ Jason “Jay” Yadlovski

In this episode of I Hope This Helps, we sit down with Jason “Jay” Yadlovski, a creator who quietly built one of the most respected educational YouTube channels around DaVinci Resolve—without chasing ...

11 Helmi 52min

Police Officer, Director, & Newark's Future w/ Alonzo Herran JR

In this episode of I Hope This Helps, we sit down with Alonzo Herran n Jr., born and raised in Newark, NJ, for a deep conversation about service, leadership, and why he’s running for Newark Councilman...

4 Helmi 45min

Restaurants, Relationships & Home Inspections w/ Greg Anzano

Buying a home? Don’t skip this episode.On I Hope This Helps, we sit down with Greg Anzano of DGM Inspection Services—a former Hoboken bar and restaurant operator who reinvented himself during COVID an...

28 Tammi 48min

Appreciation, Gratitude & Reflection w/ Erick Silva

As we head into this next run of episodes, the energy around I Hope This Helps feels stronger than ever. Every conversation, every lesson, and every behind-the-scenes moment has helped shape what this...

21 Tammi 29min