Author Archive
The Discount Dilemma – Your Auto Home and Life Discounts Applied – Does it All Add Up?
February 18, 2015How do you buy Cheap Auto and Cheap Home Insurance using discounts? Should you choose an Auto insurance carrier that gives you the most discounts? Do all of those discounts really add up? How to think about getting insurance discounts? Should I get my life insurance with the same company that writes my home and Auto […]
Insurance Agent, Insurance Broker – What is the difference?
February 13, 2015What is an Insurance Agent? What is an Insurance Broker? What is this third category in between Agent and Broker? Insurance Agent, Insurance Broker… This is one of the common talking points and questions that all insurance agents and brokers get. Please allow me to try and explain. Insurance Agent, Insurance Broker: According to the IRMI […]
The Case for Umbrella Insurance
February 5, 2015Two Types of Umbrella Insurance: There are essentially two types of umbrella insurance, Business and Personal. To be perfectly clear they cover completely separate things. As the names would suggest a Commercial Umbrella covers your business liability arising out of business operations. A personal umbrella covers no such thing. A Personal Umbrella, also occasionally known as […]
What is Demand Surge?
January 28, 2015What is Demand Surge? How does demand surge affect my home insurance price? Why should I care about Demand Surge? What is the principal of demand surge? What Exactly is Demand Surge? While certainly not a common insurance related questions for Insurance Brokers, Demand Surge is a very interesting and important topic. […]
Insuring a One Woman Operation from your Home
January 21, 2015Do I need Home Based Business Insurance? What do you mean my home insurance does not automatically cover my business? Why doesn’t my home insurer want to insure my business? One of the first two things that small businesses owners / entrepreneurs need to think about are obvious: Incorporation and Insurance. Both Incorporation, whether it’s […]
How your roof factors into your insurance costs
January 8, 2015Your Roof and your Homeowners Insurance How the age type and condition of your roof can affect your pocket book. What do you mean my roof can factor into my home insurance costs? An Insurance company may decline my home because of my roof? I might not be able to pass an insurance inspection because […]
Eleven Common Questions for an Insurance Broker
December 26, 201411 Common Questions for an Insurance Broker – and why it matters to you the consumer. As an Insurance broker who lives in Marin County California, people often want to know which questions I get the most often. It is an intriguing conversation point, but I am never quite sure why the general public would […]
What is Unique about Homeowner’s Insurance in San Francisco?
December 17, 2014What is unique about writing insurance in the San Francisco Bay Area, Sonoma, and Marin Counties? Why did I start an Independent Insurance Brokerage? When I started selling insurance, I was originally ‘affiliated’ with one insurance carrier. To be clear, it was a ‘family of insurance companies’ really, which is rather common in the property […]
Welcome to the New and Revised Website
December 11, 2014After three years creating and maintaining a world class Marin county based insurance website, I decided to change things up just a bit. Welcome to the new and improved streamlined Marindependent Insurance Services site. This website is about Marin Insurance and the greater San Francisco bay area. Gone are the old newsy articles and […]
Top 18 Reasons to Call Your Insurance Agent
December 2, 2014You probably know all the reasons why to contact your insurance agent, but have you thought about when to contact them? Here’s a partial list of the top 18 reasons you should give your insurance agent a call.
What is an Umbrella Insurance Policy?
November 25, 2014An umbrella insurance policy is an excess liability policy that typically sits over vehicles, homes, and other forms of properties that carry liability insurance themselves. Umbrella policies otherwise known as excess liability policies require certain underlying liability limits and generally fall into two categories.
Is My Diamond Engagement Ring Underinsured?
November 18, 2014When was the last time you had your engagement ring appraised? It’s probably been a while, which means that it’s most likely underinsured! Take a look at these two charts…
