In this insightful episode of Home Story, host Caroline Smith sits down with Matthew Johnson, industry expert and Head of Home Insurance Strategy, to explore what it truly means to protect what matters most — our homes, families, and peace of mind.As natural disasters, inflation, and rising construction costs reshape the insurance landscape, Matthew shares how innovation and transparency are redefining trust between insurers and homeowners. Together, they discuss how data-driven solutions and personalized coverage can make home protection smarter, simpler, and more human.

• (00:00:01) - Home Story with Veronica
• (00:00:49) - What Inspired You to Leave Wholesale Insurance and Work Directly
• (00:02:59) - Homeowners Insurance: What's Included and What's Not?
• (00:06:18) - What Are the Property and Casualty Exclusions?
• (00:08:35) - Is Trampolines covered under homeowners insurance?
• (00:09:35) - Property Damage Underinsured, Explained
• (00:11:17) - How Much Insurance Do You Need?
• (00:12:03) - Homeowners: How Much Insurance Should You Need?
• (00:16:34) - Do You Need To Update Your Home Insurance?
• (00:18:42) - What is the Difference Between Replacement Cost and Actual Cash Value?
• (00:23:45) - Homeowners: Get in Touch with Community Insurance
• (00:24:28) - Homeowner Insurance Premiums
• (00:26:28) - Homeowners Insurance, Part 2
• (00:29:39) - Do Car Claims Play a Role in Insurance Rates?
• (00:34:47) - Are you covered under your homeowner's insurance?
• (00:35:29) - Does a High Deduction Increase Your Home Insurance Premium?
• (00:36:47) - Home Story
• (00:37:24) - Homeowners Risk gaps
• (00:42:52) - Home Business Insurance, Explained
• (00:46:37) - What Do You Do About Furniture Damage?
• (00:47:41) - How do renovations, additions or roof changes affect insurance coverage?
• (00:49:13) - Homeowners Insurance: What's Really covered?