Protecting Your Wealth That Matters® with Douglas DeShong

In this episode of Doctor’s Eyes Only, host Lauren Oschman, CFP®, CDFA®, and CEO of Vestia Personal Wealth Advisors, sits down with Doug DeShong, an experienced insurance agent who specializes in working with successful families. Together, they break down what doctors need to know about homeowners insurance, how to understand policy documents, and the risks of being underinsured—especially in light of growing natural disasters across the U.S.

Doug shares insight on how policies are structured, what the “Coverage A” amount really means, and the difference between replacement cost and actual cash value—a distinction that can make or break your ability to recover financially from a loss.

They also discuss how physicians can better prepare for claims by documenting home inventory, how to know if your coverage is outdated, and what proactive steps to take if premiums spike or coverage is dropped.

🔍 Topics Covered:

• What Coverage A means and why it matters

• The difference between replacement cost and actual cash value

• Understanding extended and guaranteed replacement coverage

• Why it’s important to have an agent—not just a 1-800 number