Most people think they’re protected... until the day they find out they’re not.

In this episode, Leslie sits down with Julianna Obeid of Alliant Insurance Services to explain how homeowners and families become dangerously underinsured, and what “replacement value,” fine print, and policy language really mean when disaster strikes.

Julianna also breaks down the hidden risks of modern life—from teenage drivers and social media to parties, contractors, Airbnb rentals, and everyday accidents—and how a single lawsuit can threaten everything if you don’t have the right liability and umbrella coverage.

We also explore how floods, water damage, and climate risk are reshaping insurance, and why working with a true broker—not just buying a policy online—is now essential.

Listen now to learn how to protect your home, your assets, and your family before it’s too late.

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