May 18, 2015
Non Standard Home Insurance
What exactly is the non-standard insurance market? How do I know if I need non-standard home insurance. Should I hide facts about my home when applying? Non Standard Homeowners (Home) Insurance is a type of homeowners insurance for those that do not qualify or are refused standard home insurance. You usually may discover this either […]
May 6, 2015
Tiny Business Insurance
What is Tiny Business Insurance? Is Tiny Business Insurance Real? How do I know if I need tiny business insurance? If you are new to the world of entrepreneurship, you may not have heard of small business insurance. Most likely you have been told you need to think about incorporation and that you need […]
May 4, 2015
Marindependent and Johnson in NerdWallet Article May 2015
We were recently referenced and quoted in news / blog article on NerdWallet titled: “Who Should (and Shouldn’t) Get Online Auto Insurance Quotes” dated May First -2015. The article reviews who some of the better candidates are to buy auto insurance themselves online without the assistance of an independent agent or broker. It shares with […]
May 1, 2015
Specific Insurance Questions for Personal Lines
Below are some of the more specific Insurance Questions I get from time to time. In complete opposite to the common questions blog post we had in the past, this is a post dedicated to some of the more exact, yet equally important questions that I have found that both prospects and clients alike may have. […]
April 29, 2015
How to lower your Auto and Home Insurance Bill
What can I do to lower my home and auto insurance bill? What can I do? Where can I start? Though similar this is a distinct and different question from How do I buy either cheap Home or cheap Auto Insurance. That question is more based on how you shop around – this question is […]
April 17, 2015
How Much Umbrella Insurance do I Need?
Determining how much umbrella insurance to purchase can be a tricky endeavor. There are countless articles and blog posts dedicated to why you need umbrella insurance but few about How Much Umbrella Insurance do you need? First off as with all insurance decisions, speak with a licensed insurance agent or broker in your state before making […]
April 15, 2015
What documentation is required for Flood Insurance
Flood Insurance is a rather unusual form of Insurance in that it is essentially created and backed by the federal government through FEMA, with the exception of Non Admitted Flood policies. FEMA stands for Federal Emergency Management Agency. All Homeowners Insurance (that I know of at least) excludes the peril of flood from Homeowners Insurance. […]
April 9, 2015
What is a Fire Protection Class?
One of the most important things when underwriting a home for Homeowners Insurance is the Fire Protection Class. The fire protection class is a score that ranks from 1 to 10, with one. being the safest number and ten being the highest risk. The Fire protection class is an ISO product. This score is […]
March 31, 2015
USA Today Article
I was recently quoted in a USA Today – NerdWallet article this past Saturday March 28th, 2015 about Cancelling Insurance titled: Is It OK to cancel your life insurance? As with all insurance advice it is best to seek assistance from an Insurance Agent or Insurance Broker in your state, before making any decisions to […]
March 17, 2015
How do I buy cheap auto insurance?
How can you find cheap auto insurance. Where to look, what to do. How do you buy cheap cheap auto insurance you ask? This is a very common question that insurance brokers and insurance agents get, so we have become used to it. To be clear this is a distinctly different question from How do […]
March 10, 2015
Why Choose Term Life
The Benefits of Term Life Insurance. Why you should Choose Term Life Over Whole Life. Why people should get a Term Life Insurance. Why is Term Life so Simple? Why Choose Term Life: As opposed to various Cash Value Life Insurance Policies – such as Whole Life, Universal Life, Variable Life, etc? Frequently debated online […]
March 9, 2015
Who we write insurance with
Marindependent Insurance Services LLC functions as both an Insurance Brokerage and an Insurance Agency. However, we are primarily California Property and Causality Insurance Brokers. A broker works for the client where as an Agent works for the Insurance Company. This is stated just to be perfectly clear that we broker policies and are not […]
