January 18, 2022
The Firewise Discount with FAIR
Does the FAIR plan offer discounts for Firewise Communities? Do other insurers offer Firewise discounts? What is Firewise relative to a Propery Insurer? The FAIR Firewise Discount: Yes, the FAIR plan now offers a discount to firewise community, assuming they are informed and pass through underwriting properly. Various sources state that the discount could be […]
January 7, 2022
Don’t Get a “D” when purchasing a Companion DIC Policy.
Where to purchase a Companion DIC Policy The Special Considerations for High Value Homes with DICs What to Watch out for with Companion DICs A DIC is a Differences in Condition policy – a poorly named policy that is used to pair with the California FAIR plan. Technically there is another type of DIC policy […]
January 5, 2022
California Nonrenewals in 2022
Will California experience less homeowner nonrenewals in 2022 vs 2021 Why are California Consumers Receiving nonrenewal notications? What is trend in home and liability insurance in the state? What is an Insurance Nonrenewal? Simply put a nonrenewal is an official insurance notification that the current insurer will not renew your next years policy. This definiition […]
October 12, 2021
Pie Insurance in Marin
A new workers Comp Insurance option in the Marin and the San Francisco Bay Area is now available. Accouncement about Pie Insurance: Marindependent Insurance Services LLC is now able to provide new and exisiting clients in California with potential offers of Workers Compensation insurance from PIE Insurance. According to Pie’s marketing the newer insurance company […]
September 27, 2021
The WILDFIRE RESILIENCE Project
“wildfire risk in California and throughout the western United States is becoming uninsurable “ ” 2.7 million Californians living in very high wildfire hazard severity zones“ “insurance will be either increasingly [be] unaffordable, or unobtainable.” In some specific areas Calfornia is seeing a “203% increase in non-renewals” A terrific new wildfire project was undertaken by […]
August 31, 2021
New Flood Insurance System Marin County
A new NFIP Flood Insurance rating system goes live in Marin County and the rest of the USA starting in October 2021. The new system is called NFIP 2.0 – Equity in Action. Federal Flood Insurance: Most flood insurance written in the United States is written through FEMA through the National Flood Insurance Plan. The […]
June 28, 2021
The Horrible State of the California Home Insurance Market
Brief thoughts othe condition of consumer property insurance in California. When and if it will get better? Property Insurance in wildfire areas has been getting more difficult for years, however in California, recently it has gone from bad to deplorable. Currently, I feel that there is no solution to the problem. This post probably should […]
January 11, 2021
The San Francisco Bay Area Home, Auto, Umbrella Package
Welcome to 2021, hopefully a much better year than 2020. With all of the crazy events of the past year: The Coronavirus, the Lockdown, Wildfires, and Events in Washington, its easy to forget about your overall insurance portfolio. Don’t worry we haven’t – its still our core mission: Personal Lines Insurance Packages in the SF […]
May 3, 2020
Can you Buy Home Insurance During the Coronavirus Pandemic?
Buying Home Insurance during the current pandemic is still possible in much of the United States. Processes have been slightly changed. Nothing is guaranteed right now. This article about coronavirus and home insurance is intended for a US audience. How does Coronavirus or Covid-19 affect the acquisition of a new home insurance policy during this […]
December 17, 2019
The Great FAIR Debate
In November and December of 2019 a great debate about the future of the California FAIR plan, which serves as the home insurer of last resort, began. The California FAIR plan is the home insurer for people that cannot find home insurance through any other means. It is ruled and regulated via the California Insurance […]
October 25, 2019
November is Be Better with Building Ordinance and Law Month
Marindependent Insurance Services has made November the Be Better with Building Ordinance and Law Endorsement month to assist in marketing the value of this useful home insurance endorsement. Our Article about Building Ordinance and Law can be of great help for most consumers. Especially for those that are unaware of how this endorsement works. Marindependent […]
October 11, 2019
Changing your Lender on your Home Insurance:
Are you a Lender needing a Name or Bank Change on a Client Policy? A Consumer attempting to figure out how to get an Insurance Policy to properly list your bank on a home insurance policy? Good News, assuming that Marindependent Insurance Services is the agent of record, We would be more than happy to […]
