Reassurance

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 layers of protection in today’s environment. Chelsey explains how umbrella coverage extends beyond the liability limits on home, auto, rental property, and other personal insurance policies. The episode...

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 Individuals (typically defined as $100M+ net worth) Join us for an exclusive conversation on today’s most pressing physical security risks to protect the assets that matter the most – your loved ones...

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 misunderstood and frustrating policies for drivers in 2026. Chelsey explains why premiums continue to rise even for safe drivers, pointing to changes in vehicle technology, rising repair and labor costs, increas...

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 what matters most. While many people assume their homeowners or renters policy fully covers jewelry, art, and collectibles, standard policies often include strict sublimits that leave meaningful items...

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 misunderstood and frustrating policies for drivers in 2026. Chelsey explains why premiums continue to rise even for safe drivers, pointing to changes in vehicle technology, rising repair and labor costs, increas...

How Insurance Rates Are Really Set—and Why They’re Changing In this episode of Reassurance , Amanda Martinez breaks down one of the most misunderstood aspects of personal insurance: how carriers actually determine pricing across home, auto, and umbrella coverage. She walks through the fundamentals of rate filings, the role of loss history, catastrophe exposure, expenses, and profit margins, and ex...

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 exist. While most condo owners assume their association’s master policy fully protects them, that assumption often leads to costly surprises after a loss. Chelsey explains how master policies work and...

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 being targeted, and the simple, practical steps you can take to protect your devices, data, and privacy. No tech jargon—just real-world guidance to help you reduce risk, tighten your digital defenses...

In this episode of Reassurance , Amanda Martinez of BCU Risk Advisors sits down with Tony Gebely of Annapurna Cybersecurity Advisors for a candid conversation on one of the most complex and misunderstood risks facing single-family offices today: cybersecurity. Together, Amanda and Tony break down why family offices are uniquely exposed to cyber risk, where common gaps tend to occur, and how treati...

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 cor...

In this episode of the Reassurance Podcast , Chelsey Rabalais of BCU Risk Advisors shares a clear-eyed look at how personal insurance is evolving as families head into 2026. Rather than offering predictions, the conversation focuses on real underwriting trends and what they mean for long-term protection. Chelsey explains how insurance is shifting from broad categories to behavior-based evaluation,...

In this special year-end episode of the Reassurance Podcast , host Chelsey Rabalais reflects on the connection between insurance, hospitality, and gratitude. Drawing inspiration from the book Unreasonable Hospitality , Chelsey explores how service becomes something deeper when we lead with care, empathy, and attention to detail. She shares stories from the field, including a client whose quick act...

In this episode of the Reassurance Podcast by BCU Risk Advisors, host Chelsey Rabalais breaks down practical ways to protect your home during the coldest months of the year. As temperatures drop, homes face increased risks like frozen pipes, ice dams, furnace failures, and water damage. Chelsey shares expert guidance on simple, proactive steps that can help homeowners prevent costly winter losses...

On this episode of the Reassurance Podcast, I sat down with someone I’ve known for over 15 years—my colleague and friend, Brianna McBride. Brianna’s journey into insurance started when she was just 18, and from that moment, she’s built a career centered on helping families protect what they’ve worked so hard for. We talked about everything from navigating complex insurance programs to the impact o...

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 risi...

In this episode, Chelsey sits down with Kelly Weiss, a long-time BCU Risk Advisors team member whose remarkable career path has taken her from receptionist to high-net-worth insurance advisor. Kelly shares her behind-the-scenes experience in every facet of the insurance lifecycle, the mindset shift from service to sales, and why empathy and education are key to building trust in this evolving indu...

In this episode of Reassurance , I’m joined by Amanda Martinez, one of our fantastic brokers here at BCU Risk Advisors. Amanda dives into what’s happening in today’s personal insurance marketplace—specifically for high-net-worth individuals and families. From rising insurance rates and labor costs to weather-related risks and evolving auto technology, she breaks down the “why” behind the increases...

In this episode of Reassurance , I walk you through how to make your home more resilient in today’s ever-changing risk environment. I’m Chelsea Rabalais, and as your host and a longtime insurance advisor, I’m here to help simplify personal insurance and keep you one step ahead. We cover key risks like wildfires, flooding, hailstorms, power surges, and even electrical fires—and the practical upgrad...

In this special episode, I sit down with Janessa Vanderheyden from Monoline to dive into the evolving world of personal umbrella insurance. We explore why standalone umbrella policies are more relevant than ever, how Monoline is reshaping the insurance industry with cutting-edge technology and old-school customer service, and what’s on the horizon for this game-changing carrier. If you're an agent...

It’s our one-year anniversary of the Reassurance Podcast! In this special episode, I reflect on why I started the podcast, my journey in the insurance industry, and the critical role of claims advocacy. From my early days at BCU Risk Advisors to a life-changing moment that shaped my perspective on advocacy, I share insights into why having the right advisor truly matters. I also open up about how...

Transitioning from renter’s insurance to homeowner’s insurance can be overwhelming, and missing key coverage could leave you financially exposed. In this episode, Kelly Weiss joins The Jason Theory Podcast to break down: ✔️ Why renters insurance is a must-have (and why your landlord’s policy doesn’t cover you) ✔️ Hidden risks in condo and homeowner policies —like water damage, liability, and loss...

Jewelry isn’t just an accessory—it’s an investment, a memory, and a symbol of love. But is it properly protected? In this episode of The Reassurance Podcast , we dive into why specialized jewelry insurance is essential and how policies from carriers like Chubb, Berkley One, Cincinnati Private Client, Vault, and PURE can offer superior coverage. Key Topics: Why homeowners' insurance isn't enough fo...

Insurance is evolving—are you ready? In this episode of The Reassurance Podcast , we break down what’s ahead in 2025 and how to protect your assets, family, and legacy. Key Topics: Rising premiums: Home, auto, and umbrella insurance costs continue to climb Cyber threats: Identity theft and ransomware risks are higher than ever Natural disasters: More severe weather events demand better coverage Ge...

In today’s episode, we’re diving into an essential topic for those facing the devastating reality of wildfires: how to navigate the insurance claims process effectively. We start with actionable advice for filing a claim. From contacting your insurer promptly to documenting damage with photos and videos, every step matters in expediting your recovery. I also highlight the importance of keeping det...

In this episode of the Reassurance Podcast, we break down the two essential but often overlooked homeowners insurance endorsements: -Equipment Breakdown Coverage -Service Line Coverage . From unexpected furnace failures to costly water line repairs, I share real-life examples of how these coverages can save you thousands. Learn what’s covered, why it matters, and how adding these cost-effective pr...