Floods are one of the most common and misunderstood risks homeowners face. In this episode, we cover the different types of floods, what flood insurance does (and doesn’t) cover and why it’s typically excluded from most homeowners’ policies. 

We’ll break down National Flood Insurance Program (NFIP) vs. private market coverage, excess flood insurance and unique considerations for condos and secondary homes. Plus, we’ll highlight current trends, debunk myths and tackle the biggest misconceptions about flood insurance. 

In this episode of Insuring the Priceless, our hosts are joined by Erin Wallace of Gurr Johns, a global leader in art advisory and appraisal firm. Together, they explore ways to protect what can’t easily be replaced, such as fine art, collectibles and other high-value assets. They dive into how market trends have shifted in recent years, what’s driving changes in the value of art and collections as well as what collectors should consider in today’s evolving landscape. Additionally, Erin shares how collectors can better prepare hurricane plans for valuables, offering practical steps to safeguard items before disaster strikes. Whether you're a seasoned advisor or a passionate collector, this episode delivers insight into the ever-changing world of valuation and protection. 

When a hurricane is on the horizon, preparation is key. In this episode, we explore essential steps to help protect your home and your peace of mind. From reviewing your personal insurance policies in advance to understanding the claims process, we walk you through what you can do before and after the storm. Learn how to document your belongings, safeguard your property and avoid common coverage nuances based on the latest storm trends. Whether you're a seasoned coastal resident, new to storm season or have a secondary coastal property, this is your helpful guide for hurricane prep through the lens of personal insurance. For more information, please visit BBrown.com for our full Hurricane Prep Guide.

In this episode of Risk Meets Reality, we dive into the fascinating connection of personal insurance and the world of high-value collectibles with special guests from Heritage Auctions, one of the world's premier auction houses. Together, we explore how generational trends are reshaping the market, from fine art to rare trading cards, and what this means for insuring these prized possessions. Our guests share stories from the auction floor, highlight surprising trends driven by different generations while our team explains why proper coverage is more critical than ever. Whether you're a seasoned collector, or just starting out, this conversation offers valuable insights into the evolving world of personal insurance and passion-based investing. 

How Generational Shifts in Jewelry Purchasing Are Shaping the Market

Owning a condo comes with unique insurance needs— do you know what coverages your association has in place? In this episode, we break down typical unit owner responsibilities, what’s usually covered by associations and potential gaps that could leave owners exposed. Our team also discusses key coverages to consider and some important questions to ask before buying a condo. Whether you're a first-time buyer or a longtime owner, this conversation can help you make more informed decisions about protecting your investment.

In this month’s episode of Risk Meets Reality, we’re diving into the heart of personal insurance — the service and support that truly make a difference when helping protect what matters most. We explore the common pain points customers face and how thoughtful, proactive solutions create positive, seamless experiences.

We also touch on home enhancements that can help minimize risks and keep your property safe. Whether you're a homeowner looking to learn more about coverage, or just curious about how personal insurance is evolving, this episode is packed with insights you won’t want to miss.

Enhancing Home Safety | Key Systems to Minimize Risk of Severe Losses

Owning a boat comes with unique risks. On this episode of Risk Meets Reality, our team shares insights to help navigate them. The team breaks down the essentials of marine insurance and underwriting, giving current and potential boat owners the knowledge they need to help protect their investments. From understanding recent insurance trends to avoiding common pitfalls in the underwriting process, our hosts and guests share real-life scenarios and ways boat owners can be better prepared when seeking to insure their vessels. Tune in, subscribe and share the podcast to stay ahead of the tide.

Brown & Brown, Inc. and all its affiliates, do not provide legal, regulatory or tax guidance, or advice. If legal advice counsel or representation is needed, the services of a legal professional should be sought. The information in this podcast is intended to provide a general overview of the topics and services contained herein. Brown & Brown, Inc. and all its affiliates, make no representation or warranty as to the accuracy or completeness of this podcast and undertakes no obligation to update or revise the podcast based upon new information or future changes.