320. Chloe Demrovsky on the Home Insurance Crisis: Rising Premiums, Hidden Risks & What Homeowners Need to Know

Home insurance costs are skyrocketing—and it's affecting far more than just homeowners in high-risk states. This week on Trading Secrets, Jason Tartick sits down with risk and resilience expert Chloe Demrovsky to unpack the real reasons insurance premiums are surging, why coverage is disappearing in certain markets, and what every current or future homeowner needs to know before it's too late. From climate risk and billion-dollar disasters to hidden policy exclusions and the true cost of rebuilding after catastrophe, Chloe breaks down the insurance industry in a way that's practical, easy to understand, and immediately actionable. In this episode, you'll learn: • Why home insurance premiums have increased faster than inflation • The biggest coverage gaps most homeowners don't discover until after disaster strikes • The difference between replacement cost and actual cash value • Why flood insurance, alternate living expenses, and policy exclusions matter • How AI can help you understand your insurance policy • The simple steps every homeowner should take today to protect their finances and family • Why your insurance premium is actually a warning signal—not just another bill Whether you're buying your first home, own multiple properties, or simply want to protect your biggest investment, this conversation could save you thousands—and help you avoid costly mistakes when it matters most. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Jason Tartick and the Curious Canadian are back for another 30 Minute Thursday! This week, the guys recap Monday's conversation with Chase DeMoor, breaking down the biggest takeaways from the interview. They also dive into the latest headlines in pop culture, share what's been grabbing their attention this week, and tackle one of the show's biggest mysteries: why David has refused to update his phone for more than five years. From finance to football to technology (or the lack of it), it's another fast-paced episode packed with laughs, hot takes, and behind-the-scenes stories. If you'd like, I can also make it more click-worthy with a title that's optimized for Apple Podcasts and Spotify. Learn more about your ad choices. Visit podcastchoices.com/adchoices

This week, Jason is joined by professional heavyweight boxer, reality television personality, and Misfits Boxing Heavyweight Champion Chase DeMoor for a conversation about his journey from chasing the NFL to building a career in reality television and combat sports. Chase breaks down working at Starbucks while pursuing football, signing with the CFL, and pivoting to Too Hot to Handle after the pandemic disrupted his career. He reveals how reality television grew from $1,000 per week and small brand deals into six-figure appearances and a legitimate business. Jason and Chase also dive into the economics of professional boxing, including the expenses that reduced Chase’s first $100,000 purse to roughly $25,000–$30,000. Chase shares the contract terms behind his victory over Andrew Tate, why he accepted a smaller payday for the opportunity, and how the win transformed his negotiating power and brand. Plus, Chase explains the psychology behind trash talk, reading opponents during faceoffs, and why constantly pivoting and reinvesting in himself has been the key to his success. Chase reveals all this and so much more in another episode you can’t afford to miss! Subscribe to the Trading Secrets podcast! Host: Jason Tartick Audio: John Gurney Video: Marc Colcer Guest: Chase DeMoor Learn more about your ad choices. Visit podcastchoices.com/adchoices

The boys are back for another Thirty Minute Thursday! Jason and the Curious Canadian recap this week's conversation with Kathryn Hurley, including the behind-the-scenes moments from Jason and Kathryn's engagement and why the episode resonated with so many listeners. They also dive into everything happening in pop culture this week, share a few laughs, and cover the headlines everyone is talking about. Whether you're here for the relationship updates, behind-the-scenes stories, or the latest entertainment buzz, this episode has you covered. Learn more about your ad choices. Visit podcastchoices.com/adchoices

This week, Jason is joined by his fiancée, Kathryn Hurley, founder of Wags & Walks Nashville, for a conversation about their engagement, their three-week trip through Europe, how Jason secretly planned the proposal, their journey from friendship to forever, and what comes next as they begin planning their wedding and future together. Jason and Kathryn break down every detail from Santorini and Lake Como, including how Jason selected the ring, asked Kathryn’s father for his blessing, carried the ring across Europe, and tried to hide the surprise from someone who organizes nearly everything in their lives. They also reveal the delayed videographer, the weekender bag that nearly gave everything away, and the fake business emergency Jason used to throw Kathryn off. Jason and Kathryn also dive into how their relationship developed, why compatibility and selflessness matter in a forever partner, and how they knew they had found their person. Plus, Kathryn opens up about being introduced to Jason’s public life, how meeting him changed her perspective on having children, and the three locations they are considering for their wedding. From revealing the chaos behind their Lake Como proposal to sharing why their friendship created the foundation for their relationship, Jason and Kathryn reveal what it really takes to trust again, build a life together, and find love when you least expect it. Jason and Kathryn reveal all this and so much more in another episode you can’t afford to miss! Fioraé Luxury Travel Fioraé Travel is a full-service travel planning and advisory agency. Connect with them at: https://fioraetravel.com/ Subscribe to the Trading Secrets podcast! Host: Jason Tartick Audio: John Gurney Video: Marc Colcer Guest: Kathryn Hurley Learn more about your ad choices. Visit podcastchoices.com/adchoices

The boys are back for another Thirty Minute Thursday, and there's only one place to start—Jason is officially engaged to Kathryn Hurley! 💍 Jason and the Curious Canadian share the story behind the proposal, what's next, and reflect on one of the biggest moments of Jason's life. They also recap this week's eye-opening conversation with Steve Cain of UHC Health, who broke down the numbers behind the healthcare industry, explained where healthcare dollars actually go, and unpacked some of the biggest misconceptions surrounding the medical world. Plus, they wrap things up by diving into the biggest headlines in pop culture this week, sharing their takes on what's trending and everything everyone will be talking about heading into the weekend. Tune in for engagement news, healthcare insights, and plenty of laughs along the way. Learn more about your ad choices. Visit podcastchoices.com/adchoices

This week, Jason is joined by UnitedHealthcare California CEO Steve Cain for a conversation about the $5.5 trillion healthcare industry, why healthcare costs have climbed to nearly $17,000 per person, the misconceptions surrounding health insurance, the future of AI in healthcare, and what it takes to lead at the highest level of corporate America. Steve breaks down where your health insurance premium actually goes, the role employers play in choosing benefit packages, and why rising hospital, provider, and pharmaceutical costs have created major challenges across the healthcare system. He also explains why greater transparency and better alignment across the industry could help lower costs and improve the member experience. Jason and Steve also dive into leadership, making decisions under pressure, and Steve's journey from sales to the CEO level. Plus, Steve reveals UnitedHealthcare's plans to invest more than $1.5 billion into AI and how technology could reshape the future of healthcare. From breaking down where your health insurance premium actually goes to revealing UnitedHealthcare's $1.5 billion AI investment, Steve reveals what it really takes to navigate one of America's most complex industries, lead under pressure, and rethink the future of healthcare. Steve reveals all this and so much more in another episode you can't afford to miss! Subscribe to the Trading Secrets podcast! Host: Jason Tartick
 Audio: John Gurney
 Video: Marc Colcer
 Guest: Steve Cain Learn more about your ad choices. Visit podcastchoices.com/adchoices

Jason is joined by the Curious Canadian for another Thirty Minute Thursday as the guys break down the biggest stories of the week. They recap the conversation with TJ Palma, unpack the Taylor Swift wedding, dive into all the drama coming out of Love Island, and react to Team USA's disappointing World Cup loss. Learn more about your ad choices. Visit podcastchoices.com/adchoices

This week, Jason is joined by Love Island USA Season 7 star, real estate entrepreneur, and former National Champion baseball player, TJ Palma, for a conversation about building a $35,000-a-month Airbnb business, monetizing nearly 500,000 social media followers, leveraging reality TV into long-term wealth, and why personal branding has become one of the most valuable business assets in 2026. TJ reflects on his journey from college baseball player to entrepreneur, sharing how he discovered content creation at a young age, built a YouTube channel before becoming an influencer, and eventually turned his passion for real estate into a thriving short-term rental business. He explains why he believed social media could become a powerful business tool long before it became mainstream, and how those early experiences helped prepare him for life in the spotlight. Jason and TJ dive into the reality of building a business from scratch, including how TJ got started with Airbnb arbitrage, furnished his first properties using 0% interest credit cards, negotiated with landlords, and scaled from one rental to a business generating more than $35,000 per month. TJ also breaks down the economics behind short-term rentals, why larger homes outperform smaller properties, and how he's expanded beyond Airbnb into property management, boutique hotels, interior design, and real estate investing. The conversation also explores TJ's experience on Love Island USA, from the extensive casting process and flying to Fiji without knowing if he'd make the show to navigating relationships while cameras rolled 24/7. TJ opens up about dealing with anxiety, public criticism, and the pressure of having millions of viewers judge every decision, while explaining how the experience ultimately helped him become more confident both personally and professionally. Jason and TJ also discuss what happens after reality TV, including how TJ grew from just a few thousand Instagram followers to nearly half a million, how he evaluates brand partnerships, and why he's focused on building businesses that outlast social media trends. He shares how he's turned his online audience into long-term revenue through strategic partnerships, educational content, and businesses that align with his personal brand. Beyond business, TJ reflects on financial discipline, entrepreneurship, and building wealth in your twenties. He explains why he continues reinvesting into real estate, how he approaches risk, the importance of surrounding yourself with ambitious people, and why creating multiple income streams has always been his long-term goal. TJ also shares what's next, including expanding his real estate portfolio, growing his hospitality and design businesses, teaching others how to build successful Airbnb companies, and why he'd love another opportunity in reality television with shows like The Traitors or Dancing With the Stars. From building a $35,000-a-month Airbnb business to leveraging reality TV into long-term wealth, TJ reveals what it really takes to build a business, grow a personal brand, and create opportunities that last long after the cameras stop rolling. TJ reveals all this and so much more in another episode you can't afford to miss! Subscribe to the Trading Secrets podcast! Host: Jason Tartick Audio: John Gurney Video: Marc Colcer Guest: TJ Palma Learn more about your ad choices. Visit podcastchoices.com/adchoices

The boys are back! Jason Tartick and the Curious Canadian reunite for another Thirty Minute Thursday packed with pop culture, travel stories, and trending headlines. Jason recaps his recent trip through Europe, the guys break down the latest Taylor Swift wedding rumors, chat about the growing excitement surrounding the World Cup, and share their thoughts on the buzz coming out of the White Party. Tune in for another fast-paced episode of Trading Secrets! Learn more about your ad choices. Visit podcastchoices.com/adchoices