Mid-Year Pulse: The Shifts Shaping Personal Insurance in 2025
Reassurance2 Sep 2025

Mid-Year Pulse: The Shifts Shaping Personal Insurance in 2025

This episode is a little different—it’s our mid-year pulse check on personal insurance in 2025. But before diving into the numbers, I share a story that forever shaped how I see insurance: Hurricane Katrina, and the unimaginable losses my husband’s family lived through in New Orleans.

It taught me this: you can’t stop the unexpected, but you can prepare for it.

From wildfires in California to rising premiums in Florida and the Carolinas, from underinsurance risks to new solutions like parametric coverage and smart home technology—this year has brought huge shifts. I walk you through the trends, the real client stories, and the steps families can take to not just survive, but recover stronger when the unimaginable happens.

This episode is about more than policies—it’s about protecting what matters most.

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Episoder(37)

Back to Basics: Umbrella Policy

Back to Basics: Umbrella Policy

In this episode of the Reassurance Podcast, Chelsey Rabalais wraps up the Back to the Basics series with a clear look at personal umbrella insurance and why it has become one of the most important lay...

1 Jul 8min

Clarity in Chaos: Elevating Security & Crisis Readiness for Multi-Generational Families

Clarity in Chaos: Elevating Security & Crisis Readiness for Multi-Generational Families

This podcast is a recording of a webinar we previously did! A joint perspective from BCU Risk Advisors, Chubb & Corporate Security Advisors (CSA) – for Single Family offices & Advisors to UHNW Individ...

25 Jun 49min

Back to the Basics: Automobile Policy

Back to the Basics: Automobile Policy

In this episode of the Reassurance Podcast, Chelsey Rabalais continues the Back to the Basics series with a clear, modern breakdown of auto insurance and why it has become one of the most misunderstoo...

1 Jun 8min

Back to the Basics: Valuable Articles Policy

Back to the Basics: Valuable Articles Policy

In this episode of the Reassurance Podcast, Chelsey Rabalais continues the Back to the Basics series with a focused look at valuable articles coverage and why it plays a critical role in protecting wh...

1 Mai 8min

Back to the Basics: Renters Policy

Back to the Basics: Renters Policy

In this episode of the Reassurance Podcast, Chelsey Rabalais continues the Back to the Basics series with a clear, modern breakdown of auto insurance and why it has become one of the most misunderstoo...

1 Apr 9min

Why Insurance Costs What it Costs!

Why Insurance Costs What it Costs!

How Insurance Rates Are Really Set—and Why They’re ChangingIn this episode of Reassurance, Amanda Martinez breaks down one of the most misunderstood aspects of personal insurance: how carriers actuall...

15 Mar 9min

Back to the Basics: Condo or Co-op Policy

Back to the Basics: Condo or Co-op Policy

In this episode of the Reassurance Podcast, Chelsey Rabalais continues the Back to the Basics series with a deep dive into condo and co-op insurance and the coverage gaps many owners do not realize ex...

1 Mar 9min

Home Network Lockdown: How to Actually Protect Your Digital Life

Home Network Lockdown: How to Actually Protect Your Digital Life

Your home is more connected than ever—and that means your risk is, too. In this episode of Reassurance, we break down what “locking down” your home network really means, why families are increasingly ...

21 Feb 6min

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