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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