Insurance Gone Wild

Who Gets Paid in a Claim? When disaster strikes and you file an insurance claim, who actually gets the check? In this episode, we unpack the often misunderstood process of claim payouts. From homeowners and auto policies, we explain who the money goes to.  We cover key concepts like lien-holders, service providers, and repair shops, and dive into how insurance companies decide who gets paid and in...

Dennis Settlemoir and Stephanie Lencioni delve into the current tumultuous state of the Texas insurance market in this episode of Insurance Gone Wild. They discuss premium spikes, particularly for homeowners, and the intricacies behind varying auto insurance rates. The duo also covers the challenge of navigating policy changes like scheduled roof coverage and the importance of understanding differ...

In this episode, we tackle a common but often overlooked question—how much insurance is too much? From health and life to home, auto insurance, we break down the different types of coverage and explore where peace of mind crosses into over-insuring. We discuss how to assess your actual risk, evaluate your lifestyle and financial goals, and make sure you’re not paying for policies you don’t need. W...

🎧 Welcome back to Insurance Gone Wild – the only podcast where decoding insurance lingo is actually fun In this episode, hosts Dennis and Stephanie roll up their sleeves and dive headfirst into the wild world of insurance terminology — breaking down everything from "exclusions" and "deductibles" to the tongue-twisting "material misrepresentation" and the courtroom-favorite "estoppel." 💡 Whether...

In this  episode of Insurance Gone Wild, your favorite duo Dennis and Stephanie take you deep into the mysterious—and surprisingly strategic—world of captive insurance programs. Forget what you thought you knew about insurance. We're talking **DIY insurance companies**—yes, businesses forming their own insurance entities to cover specific risks, protect assets, and (drumroll, please)... **legally...

In this dynamic episode of "Insurance Gone Wild," hosts Stephanie and Dennis unravel the complexities of commercial insurance, highlighting its stark differences from personal lines like home and auto coverage. They delve into the critical role of liability class codes—numeric identifiers that categorize businesses based on risk exposure—and emphasize why understanding these codes is paramount for...

Is insurance jargon making your head spin? You're not alone. In this fun and informative episode of Insurance Gone Wild, hosts Dennis and Stephanie cut through the clutter of confusing insurance terms with their signature blend of expert insight and light-hearted banter. From “deductibles” that sound like math homework to “beneficiaries” that aren’t just something out of a soap opera, Dennis and S...

In this episode of "Insurance Going Wild," Dennis and Stephanie delve into the multifaceted world of health insurance. With the Affordable Care Act (ACA) serving as a surrounding framework, the hosts dissect various insurance options available for individuals, especially those navigating career changes or lacking access to group benefits. The conversation unveils the complexities of ACA-compliant...

Join hosts Dennis and Stephanie in this episode of "Insurance Going Wild" as they demystify the often-confusing roles of insurance agents, brokers, and carriers. With their signature wit and engaging banter, Dennis and Stephanie break down the unique responsibilities of each player in the insurance game, helping you understand who does what when it comes to managing your policies. Key Take Aways -...

In this episode, hosts Dennis and Stephanie dive deep into the intricate world of life insurance, exploring everything from the importance of life insurance to the different policy types available for families and individuals. This podcast is designed for anyone curious about how insurance works and those ready to enhance their understanding, particularly focusing on the critical need for life ins...

In this captivating episode of "Insurance Gone Wild," hosts Dennis and Stephanie unravel the intricacies and misconceptions surrounding insurance policy cancellations, non-renewals, and coverage nuances, especially in high-risk areas like California and Texas. They debunk myths perpetuated by media and political figures, offering listeners a clearer perspective on the evolving insurance landscape....

In this engaging episode of "Insurance Gone Wild," hosts Dennis and Stephanie introduce their first guest, Steven Paris, a 24-year-old recent Finance graduate from Missouri State University. Steven candidly shares his experiences and concerns about entering the adult world of insurance, particularly with auto and renters insurance. Dennis and Stephanie provide expert insights and advice to not onl...

In this eye-opening episode of Insurance Gone Wild, hosts Dennis and Stephanie delve into the misconceptions surrounding insurance. They tackle prevalent myths that consumers often fall prey to and clarify these with expert insights. The conversation covers everything from the importance of insurance for peace of mind to dispelling common misconceptions about health insurance, homeowners, and auto...

When disaster strikes—whether it’s a fender bender, a burst pipe, or storm damage—should you file an insurance claim or handle it out of pocket? In this episode of Instance Gone Wild we break down the factors you need to consider before making a claim, from deductibles and rate hikes to coverage loopholes and long-term impacts. We’ll share real-life scenarios, expert tips, and maybe a little nonse...

Uncover the secrets of homeowners insurance in this episode of Insurance Gone Wild podcast. Don't let misinformation cost you big - tune in now! Chapters:  00:00  Home Sweet Hassle: Navigating the Homeowners Insurance Maze  05:04  Up in Smoke: How Wildfires Are Torching Insurance Costs 06:50   Premium Panic: Solving the Rising Cost Crisis 13:05  Deductibles Demystified: Get Your Money Back (Kind O...