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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Avsnitt(39)

Why Family Offices Need an Enterprise Risk Mindset

Why Family Offices Need an Enterprise Risk Mindset

In this episode of the Reassurance Podcast, Jeff Klein, founder of BCU Risk Advisors, explores why family offices need to think about risk through an enterprise lens.Family offices often manage person...

1 Sep 5min

Accidents, Lawsuits & Liability — A Candid Conversation with David Baez

Accidents, Lawsuits & Liability — A Candid Conversation with David Baez

In this episode of the Reassurance Podcast, Amanda Martinez of BCU Risk Advisors sits down with personal injury attorney David Baez of Willens & Baez for an honest conversation about liability, lawsui...

1 Aug 34min

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...

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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 Juni 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 Juni 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 Maj 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 Mars 9min

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