California Affluent Insurance

Think things are different for the 1%, imagine their insurance scenario. Unlike most Americans, Affluent Americans need to consider insurance from a much different angle. A typical middle class american may use insurance to cover both the financial loss and the financial cash flow, but for affluent Americans this may not be the best play. […]

Why Not? With Earthquake Insurance

The Earthquake Problem: Californians are at risk to a huge potential problem.  However, many of us are hiding our collective heads in our shaking soil. The Golden State may have the sun combined with a healthy economy, but there is a significant danger lying out there for owners of homes.  Earthquakes. Although significant advancements have […]

Apartment Building Private Flood Insurance

Apartment Building Private Flood Insurance is typically required of buildings that carry a mortgage and that are located in high hazard flood zones.  By FEMA definitions these flood zones basically include the A and the V zones.   There are variations of these two types of flood zones, but essentially if your building is in […]

Qualify for Cheaper Flood Insurance through the Newly Mapped Program

Want to check to see if your home qualifies for the newly mapped flood insurance program? Qualify for Cheaper Flood Insurance ? Need to Check an Address?  Want to see if you can save money on FEMA Flood Insurance? What is the NFIP Newly Mapped Program? The National Flood Insurance Newly Mapped Program is a process […]

Why the Wealthy should Really Consider Earthquake and Flood Insurance

Earthquake and Flood Insurance for the Affluent

“Earthquake Insurance is too expensive”   “Why would I need Flood Insurance?” Wealthy Earthquake and Flood Insurance. Truly Affluent homeowners, that is, people that both own Luxury Property AND have paid them down, need to consider insuring their homes in a different manner. Insurance for the Affluent: Frequent Readers of my blog posts and articles will […]

Dog Breeds Insurance Companies Don’t Like

What dog breeds do Insurance Companies not like? Which breeds of dog likely will not allow you to get preferred home insurance? What to do?  Certain Dog Breeds Insurance Companies don’t like and what to do about it. First off, lets be clear – there is no ONE LIST of Dog Breeds that all Insurance […]

Why New Parents Shouldn’t Be Worried About Lowering their Auto Insurance Rates

I know you hear it all the time.  You could save 15% in ten minutes or less.  Are you paying too much or auto insurance?  But for new parents auto insurance is not necessarily the right place to cut your costs.  After all, when first time parents have twins, for example, they are over night doubling […]

Commercial Private Flood Insurance

California Flood Insurance

Commercial Private Flood Insurance is a serious option for owners of Apartment Buildings.   The cost savings combined with flood coverage should be discussed with an experienced independent insurance agent. Own a Apartment Building and Want to Save on Flood Insurance? Considering Cheaper Flood Insurance for a Commercial Building? Can you purchase Non Admitted Flood […]

Term Life Process

What is the process to purchase Term Life Insurance?  What are the steps necessary to procure term? How can I speed up the Term Life Process?  What should I do not? Buying Term Life Insurance: The process to purchase level term life insurance has never been simpler.   There are just so many places to […]

Private Flood Insurance

Private Flood Insurance

For decades FEMA Flood Insurance, through the US Department of Homeland Security, was the only form of Flood Insurance.   Over the years rates have continually gone up.  They have gone up for congressional reasons, mapping reasons, and for underwriting reasons.  However, why flood insurance has been getting more expensive is almost not important.  What […]

Newly Mapped Flood Program

Within the past year FEMA has begun a new flood insurance program for those whose homes have been moved from a low risk flood zone to a high risk flood zone.   This program is called the Newly Mapped Flood Program.  A significant percentage of residents of Corte Madera, Larkspur, San Rafael, Mill Valley, and other […]

How Did my Home Get So Under insured?

How did my home get so under insured?  Why underinsurance matters.   Where under insurance begins. Under Insured Homes: Near and Dear to my heart is home rebuild coverage amounts.  I am constantly amazed at how often I see home insurance policies written with peanut coverage amounts.  Amounts that should make a licensed insurance agent […]


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