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In this episode of Behind the Doors, Chris Stenke reframes the conversation around risk management versus insurance, challenging the traditional mindset of simply purchasing policies to mitigate risk. Chris dives into the realities of rising insurance costs, particularly in high-risk areas like California’s fire zones, and shares insights on when insurance may not be the optimal solution. The discussion explores real-world examples—including a shocking homeowner insurance story and the pitfalls of requiring renters to carry coverage—and unpacks the pros and cons of self-insuring as an alternative strategy. For real estate investors, Chris addresses the critical question: when is the right time to start managing risk in a real estate deal? This episode is a must-listen for anyone navigating the evolving landscape of property risk, insurance challenges, and proactive protection strategies.

Chris Stenke is the Vice President of Garzella Group Insurance Services, where he leads strategic initiatives to help clients navigate complex insurance landscapes with a focus on risk management, customized coverage solutions, and long-term protection strategies. With a deep understanding of both commercial and personal insurance needs, Chris is dedicated to partnering with businesses, investors, and individuals to safeguard their assets and mitigate risk in an ever-changing market. His leadership combines technical expertise with a client-first approach, ensuring tailored solutions that align with each client’s unique goals.

https://garzellagroup.com/team-member/chris-stenke/
https://garzellagroup.com