In this episode, we speak to Mr Chriswell Baloyi, Financial Planner, Insurance Broker, and Will & Trust expert, who breaks down why sufficient insurance is no longer optional, but a critical tool for protecting your home, income, and loved ones. Against the backdrop of rising natural disasters, increasing crime, and economic uncertainty, the conversation unpacks whether home and contents insurance is a necessity or a luxury for South Africans, and why failing to plan puts not only property, but livelihoods and families, at serious risk.