Insurance Gone Wild

🎙️ Think your insurance policy has you covered? Think again. In this episode of Insurance Gone Wild, co-hosts Dennis Settlemoir and Stephanie Lencioni pull back the curtain on the surprising (and often hilarious) ways insurance can go sideways — especially when you don’t read the fine print.

From jewelry riders that vanish faster than a diamond in a drain to health insurance options you didn’t know you had, Dennis and Stephanie break it all down with straight talk, real stories, and a little tough love. Whether you're a business owner, landlord, or just trying to figure out if your wedding ring is actually insured — this episode is packed with "wait... what?!" moments that could save your wallet (and sanity) down the line.

👂 Perfect for insurance rookies and seasoned policy pros alike, this conversation is a wake-up call for anyone who assumes their coverage is complete — spoiler alert: it’s probably not.

💥 Episode Highlights & Chapters:

Subscribe and leave a review if you've ever asked, “Wait… am I even covered for this?” Because on Insurance Gone Wild, we don’t just sell policies — we expose the madness behind them. 🧨

#InsuranceGoneWild #JewelryInsurance #HealthCoverage #CommercialInsurance #InsurancePodcast #LLCRentalInsurance #InsuranceTips #InsuranceAdvice #PodcastForBusinessOwners #RiskManagement #YouTubePodcast #SpotifyPodcast

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Is Your Contractor Insurance Actually Covering You… or Just Paperwork Pretending to Help? 🧐

We’re talking real talk on everything from:

This is your crash course in:

Timestamps

Top Takeaways

Favorite Quote?

“How do we protect your livelihood? It should be a little more in your favor.” 🙌

🎧 Hit play, hit subscribe, and protect your hustle — because insurance doesn’t have to be boring (and with us, it won’t be).

#ContractorInsurance #ConstructionBusiness #InsuranceGoneWild #SmallBusinessProtection #SubcontractorTips #InsurancePodcast #BusinessLiability #GeneralContractorLife #ConstructionTips #InsuranceExplained

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When Life Throws a Curveball: Are You Actually Prepared? 🧾💼⚡️

Dennis and Stephanie are pulling back the curtain on the “oh no” moments life loves to throw our way — from surprise ER visits to the “where’s the life insurance policy?!” panic. In this episode, they break down the must-know moves to keep your family prepared, not panicked.

They’ll tackle everything from:

Making sense of life insurance (no, it’s not just for old people) 💀

Organizing your financial & insurance info before it’s an emergency 🧠

Why your loved ones need access to everything (digitally, legally, and emotionally) 🔐

Power of attorney, trusts, and other grown-up things you really should already know ⚖️

Think of it as your roadmap to responsible adulting — with less legalese and more laughs. Hit play and learn how to future-proof your family’s peace of mind — because chaos is inevitable, but being unprepared is optional.

#LifeInsurance #EmergencyPrep #PowerOfAttorney #EstatePlanning #FamilyFinance #Adulting101 #Podcast #MoneyMatters #InsuranceTips #PlanAhead #DigitalLegacy

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Join hosts Dennis and Stephanie as they explore insurance challenges for when you go on vacation, covering how auto and health insurance work during travel across states and with rental cars. They delve into essential coverage types, including liability and walk-away insurance, plus the nuances of PPO and HMO health plans. Discover insights on Medicare and international health coverage, ensuring you're informed about potential pitfalls and recommended precautions. Whether you're a road trip enthusiast or planning international travel, Dennis and Stephanie provide valuable advice to help you navigate your insurance needs.

Key Takeaways:

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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 what order. Whether you’re filing a claim or just want to better understand your policy, this episode clears up the confusion and empowers you to ask the right questions before a claim ever happens.

Timestamp

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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 differences between insurance offerings. Listeners will gain insight into why insurance prices fluctuate so dramatically and the factors affecting these shifts, equipping them with knowledge to better manage

*   The Dallas-Fort Worth area faces unique challenges in homeowners insurance due to weather patterns and high population density.

Chapters

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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. With expert insights and real-life examples, we help you find the right balance between being protected and being practical.

Whether you’re an insurance minimalist or a coverage collector, this episode will help you rethink your policies with clarity and confidence.

 Key Takeaways:

*  Insurance as Risk Transfer: Insurance is essentially a transfer of risk, and individuals need to determine what risks they are comfortable with versus those they prefer to transfer to an insurer.

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🎧 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 you're an insurance newbie trying to understand your first policy, a small business owner protecting your assets, or a seasoned pro looking for a quick refresher, this episode will help you cut through the jargon and get to the good stuff: **what your policy actually means.**

Dennis and Stephanie dish out:

📚 It's like an insurance dictionary — but with way more personality and fewer paper cuts.

Don’t forget to like, subscribe, and share with anyone who's ever said, "Wait, what does *that* mean in my policy?"

🎙️ Empower your wallet and your wisdom — it’s time to get wild with your coverage.

#InsuranceGoneWild #InsuranceTermsExplained #HomeInsurance #AutoInsurance #HealthInsurance #InsuranceEducation #KnowYourPolicy #FinancialLiteracy #Insurance101 #PodcastForPolicyholders

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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 lower their tax bill** under Section 831(b) of the IRS code.

If you're a business owner raking in $1M+ in revenue and you’re not exploring captive insurance... you might be leaving money (and protection) on the table.

✅ What’s a captive insurance company, really?  

Whether you’re a seasoned CEO or just curious how the elite manage risk like pros, this episode breaks down the complex stuff into plain, witty talk—with plenty of real-world insights and a few laughs along the way.

Subscribe now and learn how to turn your insurance strategy from "meh" to "million-dollar move."  

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00:00 - Captive Insurance: Self-Insuring Aspects of Your Business

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 business owners seeking adequate protection. Throughout their engaging discussion, Stephanie and Dennis share real-world insights, underscore the challenges inherent in managing commercial policies, and offer actionable advice on asking the right questions and consulting knowledgeable agents. This episode is a must-listen for entrepreneurs and business owners aiming to navigate the intricate landscape of commercial insurance and safeguard their enterprises effectively.