Insurance feels modern, complicated, and overpriced — but here’s the plot twist: it’s actually been around for thousands of years, and the core idea has never changed.

In this episode of Insurance Gone Wild, Dennis and Stephanie take a surprisingly entertaining trip through the history of insurance — from ancient merchants spreading risk across ships and camels, to London coffeehouses full of underwriters (yes, possibly drunk), all the way to today’s AI models, parametric coverage, and rising premiums.

Along the way, they break down:

Why insurance exists in the first place (hint: it’s not to annoy you)

How “claims-made” vs. “per occurrence” policies can quietly ruin your day

Why prices keep going up — and why it’s not just insurance

How supply, demand, zip codes, and exposure really drive premiums

And why even the richest people in the world still carry insurance

At the end of the day, insurance isn’t about policies, paperwork, or marketing mascots — it’s about peace of mind, protecting your family, and not losing everything over one bad moment.

Same idea. New packaging. Still necessary.

⏱️ Chapters

00:00 – Why Mondays Hit Insurance People So Hard

03:46 – How Insurance Started With Ships (and Fear)

05:43 – London Fires, Coffeehouses, and the Birth of Modern Insurance

09:28 – Insurance Isn’t for You — It’s for Your Family

15:14 – Claims-Made vs Per Occurrence (AKA: Surprise!)

20:21 – Why Insurance Companies Hoard Money (On Purpose)

24:58 – AI, Analytics, and Parametric Insurance

26:31 – Why Everything Is More Expensive (Including Insurance)

33:57 – Supply, Demand, Zip Codes, and “Too Much Exposure”

38:48 – Lloyd’s of London and Why the Basics Still Work

Email: Contact@IGWpodcast.com

Facebook: https://www.facebook.com/InsuranceGoneWild

Get a Quote!

Panatela Group: https://panatelagroup.com/

Call: 817-753-0093

Should you read your insurance policy?

Dennis and Stephanie say no—and then spend the next 40+ minutes explaining exactly why.

In this episode of Insurance Gone Wild, the duo dives headfirst into the confusing, lawyer-written, comma-dependent world of insurance policies—where “herein” still exists, endorsements giveth and taketh away, and two adjusters can look at the same roof and see completely different realities.

They break down what consumers actually need to care about (hint: it’s not just price), why deck pages lie by omission, how underinsurance can quietly wreck your life, and why trusting the right agent matters more than trusting five-star internet reviews. Along the way, they share real-world stories—from brand-new homes burning down to $200,000 coverage gaps that make absolutely no sense.

Bottom line: insurance isn’t about reading 80 pages of legal jargon—it’s about asking the right questions, understanding the three C’s (Coverage, Cost, Claims), and making sure your house can actually be rebuilt from literal dirt.

Also discussed: bad adjusters, new agents learning the ropes, why “short episodes” are a lie, and why Dennis probably shouldn’t promise timelines ever again.

⏱️ Chapters

00:00:00 – Welcome to Chaos (a.k.a. “This Will Be a Short Episode”)

00:01:20 – Why Consumers Keep Asking the Same Insurance Questions

00:04:35 – Should You Read Your Insurance Policy? (Hard No.)

00:06:00 – Stephanie’s Airport Reading Story (and Public Humiliation)

00:07:52 – Are Policies Confusing on Purpose? Lawyers, Commas & ‘Herein’

00:10:30 – Core Policy Language vs. Endorsements That Ruin Everything

00:12:41 – Good Companies Pay Claims… Bad Ones Get Billboards

00:15:15 – The Three C’s: Coverage, Cost, and Claims

00:17:17 – Why Online Reviews Lie (and Roofers Know the Truth)

00:20:44 – Adjusters: The Wild Card Nobody Warned You About

00:23:23 – New Agents, Old Mistakes, and Learning the Hard Way

00:25:49 – Success, Failure, and Why Most People Ignore Good Advice

00:32:20 – The $200,000 Coverage Gap That Should Scare You

00:35:33 – Can Your Policy Rebuild Your House… From Dirt?

00:38:45 – Debris Removal, Ordinance Coverage & Commercial Nightmares

00:40:48 – “We Said This Would Be Short” (Final Lies & Wrap-Up)

Email: Contact@IGWpodcast.com

Facebook: https://www.facebook.com/InsuranceGoneWild

Get a Quote!

Panatela Group: https://panatelagroup.com/

Call: 817-753-0093

Buying a car should be exciting. Instead, it usually comes with paperwork, confusion, and that one terrifying question: “Wait… am I actually insured right now?”

In this episode of Insurance Gone Wild, Dennis and Stephanie take a very real (and very common) scenario — buying a car from a private seller when your agent is unavailable — and break down exactly what coverage you do (and do not) have when you drive away.

They unpack liability vs. comp & collision, what happens if the other driver is uninsured, why underinsured motorist coverage might quietly save your bank account, and how claims magically turn into paperwork Olympics the second you become the claimant.

Along the way, they also explain why insurance companies aren’t always out to get you (sometimes it’s just human error), how to fight a lowball valuation without losing your sanity, and why picking up the phone is still wildly underrated.

If you’ve ever thought:

“I’ll tell my agent later…”

“There’s no way my car is worth that little”

or “Why is this taking 47 emails instead of one phone call?”

…this episode is for you.

Listen before your next car purchase — or your next claims headache.

IGW 47

Chapters

00:00 – Hollywood Apple Juice & the Longest Tuesday Ever

00:03 – Buying a Car When Your Agent Is Closed (Bold Strategy)

00:06 – Liability Only: You’re Legal… But That’s About It

00:07 – Surprise! Your New Car Might Have Comp & Collision

00:11 – Uninsured & Underinsured Motorist: The Unsung Hero

00:15 – Diminished Value Claims (Yes, That’s a Thing)

00:18 – How Insurance Decides What Your Car Is “Worth”

00:22 – When a Car Becomes Totaled Faster Than You’d Expect

00:26 – Lowball Offers, Human Error & Fighting Back the Right Way

00:32 – Why Your Loan Balance Is Not the Insurance Company’s Problem

00:36 – Stop Emailing. Start Calling. Seriously.

00:39 – Like, Subscribe… No, You Don’t Actually Get a Dollar

Email: Contact@IGWpodcast.com

Facebook: https://www.facebook.com/InsuranceGoneWild

Get a Quote!

Panatela Group: https://panatelagroup.com/

Call: 817-753-0093