Author Archive
Get Delos Here
April 11, 2025Delos, Delos, Get Delos in California Here! Delos is a nonadmitted homeowners insurance property insurance solution for residents of the great state of California. Delos is a Managing General Agency that has partnered with Homesite Insurance Company to offer up property insurance policies. Delos uses an “industry-leading model, based on proprietary data and cutting-edge AI, […]
Got Insurance Problems – We Got Solutions
February 24, 2025The crazy California Insurance market Crisis is leaving hundreds of thousands of consumers left with few good home insurance options. The High Premiums and Low Coverages are a Real California Challenge, that is the bad news. The Good News is that Marindependent has insurance solutions. Confused by what to do when you receive that renewal? […]
And … What Now? Where Does the California Insurance Market Head in 2025.
January 21, 2025The devasting Southern California Wildifres are still burning. Foks are still evacuated, Firefighters still out on the line. As we begin to comb through the wreckage [and mistakes] we are left to ask the outrageous question of Where Does the California Inusurance Market Head Now? In this blog post, we dont have many answers – […]
The 2025 California Insurance Market
December 26, 2024The year 2024 turned out to be really challenging year for insurance in the state of California. We are hoping that 2025 might turn out a just a little bit better. There was some hope that the risk management troubles in this state from 2023 would end in 2024. However it does not seem to […]
Landlord Insurance in San Francisco in 2024
December 6, 2024The market for so called Landlord Insurance policies has changed dramatically in 2024. What type of insurance is a Landlord Policy? Who needs a Landlord policy? Short Term vs Long Term Rental Insurance needs Commercial vs Personal Lines Policies Age, Building Type, Specific Locaion, and Other Underwriting Criteria for Landlord Insurance 2024 The Year Landlord […]
5 Insurance Shopping Myths in California
May 1, 2024How Shopping for Pasta during the Pandemic and Buying Insurance Right now are similar Five Common Insurance Shopping myths you will find online [and why they dont pertain to you] A quick read of the interent and how to save on home insurance will repeat the same five to 10 myths over and over. Unfortunatly […]
The Orinda Insurance Crisis
April 19, 2024State Farm Nonrenewals appear to be hitting the small town of Orinda the hardest in all of Northern California. In may in fact be the hardest hit in the entire state. In 2024 State Farm announced that it would non renew over 1,500 policies in the small east bay town. This represents over 50% of […]
Knob and Tube is now Uninsurable
February 25, 2024Knob and Tube, a form of a very old electrical system, is now all but unisurable in the California Howeowners Insurance marketplace, in our opinion. In other words if you are shopping for home insurance with Knob and Tube- Do not call me. Marindependent may only have one pretty bad solution for you. All of […]
Yes Marin County, Keep that Chubb Insurance Policy
January 17, 2024It happens all the time. I get that call almost every week/month. My Chubb Insurance policy is so expensive, I want to shop it around. Really? Many consumers are unaware of the horrible state of the property insurance market these days. Although that is indeed changing as more learn. General Property Insurance Advisement for 2024: […]
2023 a Fun Year in Insurance [Not Really]
November 28, 2023Welcome to 2023 and this might just not be your typical blog post. My blogs have historically attempted to be helpful, yet accurate in helping consumers and business owners in how to procure the best types of insurances. Sometimes that means sending you elsewhere. Sometimes that means selling you just part of the package. Editors […]
Zesty AI and the California FAIR Plan
October 14, 2023This just in – the California FAIR plan is to partner with Zesty AI. This announcements has come through multiple methods including an email sent out to California FAIR Brokers. The Zesty AI program will be used for the purposes of underwriting and premium determination. In this short article we will discuss the little we […]
Did the Economist Magazine Just Call Out the California DOI?
July 17, 2023A fascinating, challenging article in the most recent Economist Magazine, dated July 13th 2023 – titled Why people struggle to understand climate risk – may have challenged the thinking of the California Department of Insurance and its Commissioner – Ricardo Lara. The article, which is in part based on Climate Change, Risk Management, and Risk […]
