December 6, 2024
Landlord Insurance in San Francisco in 2024
The 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 […]
May 1, 2024
5 Insurance Shopping Myths in California
How 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 […]
April 19, 2024
The Orinda Insurance Crisis
State 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 […]
February 25, 2024
Knob and Tube is now Uninsurable
Knob 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 […]
January 17, 2024
Yes Marin County, Keep that Chubb Insurance Policy
It 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: […]
November 28, 2023
2023 a Fun Year in Insurance [Not Really]
Welcome 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 […]
October 14, 2023
Zesty AI and the California FAIR Plan
This 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 […]
July 17, 2023
Did the Economist Magazine Just Call Out the California DOI?
A 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 […]
May 27, 2023
State Farm Stops Writing Home Insurance in the Bay Area [and the rest of California]
State Farm and its various mutual entities have long held out as the sole admitted insurer writing new policies in much of California. As of today – May 27th, 2023 – this is no longer true. According to numerous publications including the Wall Street Journal, Sac Bee, Fox Business, and many more – State Farm […]
March 11, 2023
The Insuranceflation Story
California is undergoing a tremendous increase in insurance costs. We call this rising cost of insurance – insuranceflation. The causes of insuranceflation. Some obvious, some not. What is Insuranceflation? Simply put insuranceflation is the increasing cost of insurance. Buy a house and watch the cost to insure it go up each and every year – […]
March 9, 2023
Technology Professional Liability Coverage
Technology Professional Liability Insurance is often known as Tech E&O. This form of commercial insurance is a must have for most tech companies. Tech E&O can help protect you from claims relating to the profesional services you provide to your clients. This line of coverage is often required under Independent Employment Contracts. In the world […]
January 15, 2023
Recent Landslides in Marin 2023
Recent headlines concerning various landslides and mudslides in Marin County and East Bay during the torrential storms of January 2023 has reminded us of an important risk mitigation challenge. Landslides are seldom Covered. However the differences between Landslides, Mudslides, Mudflows, and Flooding are important. According to ABC News “Nearly 20 residents have been displaced after […]
