Back to the Basics: Homeowners Policy

Back to the Basics: Homeowners Policy

In this episode of the Reassurance Podcast, Chelsey Rabalais returns to the fundamentals with a timely breakdown of homeowners insurance and why understanding the basics matters more than ever in 2026. As rebuilding costs rise, deductibles increase, and exclusions quietly evolve, many homeowners are discovering gaps in coverage they did not realize existed.

Chelsey walks listeners through the core components of a homeowners policy in plain language, including dwelling coverage, other structures, personal property, loss of use, liability, and medical payments. She explains how rebuilding cost differs from market value, why replacement cost on contents is critical, and where standard limits often fall short for modern homes.

The episode also highlights common exclusions and overlooked endorsements such as flood, water backup, service line coverage, ordinance and law, and cosmetic roof limitations. The key takeaway is simple. Home insurance is only effective when it reflects how a home is built, used, and maintained today. Understanding what is written into a policy is the difference between reacting to a loss and being ready for it.

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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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