In this episode of the Reassurance Podcast, Chelsey Rabalais of BCU Risk Advisors shares a clear-eyed look at how personal insurance is evolving as families head into 2026. Rather than offering predictions, the conversation focuses on real underwriting trends and what they mean for long-term protection.
Chelsey explains how insurance is shifting from broad categories to behavior-based evaluation, with carriers now assessing preparedness, mitigation, and documentation through tools like satellite imagery, climate data, and smart home technology. Climate risk and cyber exposure are no longer emerging concerns but core underwriting frameworks that directly impact eligibility, pricing, and renewability.
The episode also explores why volatility is not evenly distributed across the market. Families who approach insurance strategically, document mitigation, and engage proactively with their advisors tend to experience fewer disruptions. The key takeaway is simple. Change itself is not the risk. Being unprepared is.
