# 35. The Insurance Playbook: Trusts, LLCs, and Umbrellas with Madeline Matosian

Getting a non-renewal letter out of nowhere? You're not alone. Brett and Chris sit down with Madeline Matosian, Director of Personal Lines at Indaco Risk Advisors, to unpack why home and auto insurance have gotten so brutal, and what you can actually do about it.Madeline breaks down why carriers pulled out of California, what really happens when a neighborhood catches fire, and why she'd rather help clients before a claim than after one. They also dig into umbrella coverage and why anyone who drives a car needs one, how to correctly title a home held in a trust or an LLC so the coverage actually holds up, and the "mysterious disappearance" rule that could make or break a jewelry claim. Practical, a little unsettling, and worth your time if you own anything.Website: www.indacoriskadvisors.comEmail: [email protected] by 32Q LLC