Colleen Cunetto Psara-Realtor

06/12/2026

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06/12/2026

Thank you to those that helped make May so great!!

06/07/2026

🏠 Insurance doesn't pay based on memory. It pays based on documentation.

After a fire, flood, theft, or storm, the insurance company asks for a list of everything you owned. Most people freeze when they sit down to make that list. The couch and the TV are easy. The contents of the kitchen drawers, the boxes in the basement, the clothes in every closet — much harder.

The fix is a 10-minute walkthrough video on your phone. No script. No app required.
The $100 rule keeps it simple. If you paid $100 or more for it, get it on video. Say what it is, roughly what it cost, and where you bought it. "Couch from Costco." "Work laptop from Apple." Done.

Don't skip closets, the garage, basement, and storage spaces. Those are the areas people forget when reconstructing a list from memory.

Save the file off your phone. Cloud storage works. A video that lives only on your phone goes wherever the phone goes.

Re-record once a year when you renew your homeowners policy.

05/29/2026

05/27/2026

Open House & A Price Reduction to 369,000!!
Sunday May 31st from 1-3pm

MLS # 26013751 – This solid brick two-story in St. Louis Hills puts you right in the middle of the Francis Park lifestyle—morning walks, evening runs, tennis and pickleball, and neighborhood events—...

05/01/2026

🏠 A 20-year-old roof with $15,000 in storm damage might pay out only $3,000.

That's the gap between Replacement Cost Value (RCV) and Actual Cash Value (ACV) coverage on an aging roof. The other $12,000 comes out of your pocket.

But there's a second trap most homeowners miss: the wind and hail deductible.

Most roof claims are wind or hail. And many policies use a separate percentage deductible for those perils, typically 1-2% of your dwelling coverage. On a $500K home that's $5,000 to $10,000 before insurance pays a dime. Not the $1,000 you assumed.

Stack those two and an aging roof claim can leave you with a $20K+ out-of-pocket bill on a claim you thought was covered.

The shift from RCV to ACV often happens sometimes silently at renewal. Allstate's House & Home program was the first major carrier to do it at year 10 back in 2011, and many others have followed.

By year 15, new policies are often declined and existing carriers may demand a roof inspection. By year 20, most carriers switch wind and hail to ACV. By year 25, many won't renew at all.

Two protective moves matter most. First, on every renewal packet, search the roof coverage section for the words "ACV" or "RCV" and check the wind/hail deductible separately from your "all other perils" deductible. Second, before your insurer offers a free inspection, pay $200 to $400 for your own from a licensed roofer.

04/26/2026

PRICE REDUCED in St. Louis Hills! 🔻
Charming 3 bed brick two‑story at 6427 Winona just dropped $11,000 and is now listed at $379,000. Corner lot, classic South City character, and an incredible walkable location near Francis Park.

MLS # 26013751 – New price, same great lifestyle at $379,000. This solid brick two-story in St. Louis Hills puts you right in the middle of the Francis Park lifestyle—morning walks, evening runs, te...

04/25/2026

Not everyone wants a big, public real estate journey—and you don’t have to. 🤫
One of the favorite roles to play is the quiet resource for:
• Honest, no hype market insight. 📊
• Step by step prep guidance. 🧭
• Support from first ‘maybe we should…’ through closing and beyond. 🔑
When and whether you move is 100% up to you. My job is to make sure you have calm, clear information whenever you’re ready for it. 💬

04/22/2026

Our complimentary events are located at St. Louis County Library - Thornhill Branch.

04/18/2026

Thinking about moving 'at some point’? One of the biggest stress relievers is having a written plan. ✍️
A solid plan usually includes:
• A prioritized project list. ✅
• A realistic timeline. 🗓️
• A value range based on different levels of prep. 📈
Once it’s on paper, you can stop wondering if you’re forgetting something and just work the plan at your own pace. 🧩