In this episode we had the pleasure of interviewing Kelly Thomas. He is a Client Executive with TIS Insurance Services, Inc and became the fourth generation Thomas to work for TIS. Kelly has maintained several roles at TIS starting at the age of 12. Today, he specializes in Commercial Insurance, Personal Insurance, and Life Insurance and provides tailor-made risk management solutions to many individuals and businesses across the Eastern United States. In this episode you will discover: -How Kelly worked his way up from the mail room to Account Executive -Multifamily insurance -Value vs. cost -How to value a multifamily policy -Secret benefits of renters insurance -Tips on insuring for actual replacement costs -Kelly's insurance tips -Hard markets -Soft markets -And much more! http://www.tisins.com/   https://www.linkedin.com/in/kelly-thomas-982566112/