February 26, 2015
Marindependent Insurance Services LLC, an Independent Broker Agent Incorporates
Marindependent Insurance Services LLC, an independent Brokerage Agency has incorporated in Marin County California as a Limited Liability Company otherwise known as an LLC. The name of the new entity will be Marindependent Insurance Services LLC. The company will remain headquartered in San Rafael an Mill Valley, California. “Papers have been filed and documents […]
February 18, 2015
The Discount Dilemma – Your Auto Home and Life Discounts Applied – Does it All Add Up?
How 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 […]
February 13, 2015
Insurance Agent, Insurance Broker – What is the difference?
What 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 […]
February 5, 2015
The Case for Umbrella Insurance
Two 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 […]
January 28, 2015
What is Demand Surge?
What 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. […]
January 21, 2015
Insuring a One Woman Operation from your Home
Do 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 […]
January 8, 2015
How your roof factors into your insurance costs
Your 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 […]
December 26, 2014
Eleven Common Questions for an Insurance Broker
11 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 […]
December 17, 2014
What is Unique about Homeowner’s Insurance in San Francisco?
What 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 […]
December 11, 2014
Welcome to the New and Revised Website
After 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 […]
December 2, 2014
Top 18 Reasons to Call Your Insurance Agent
You 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.
November 25, 2014
What is an Umbrella Insurance Policy?
An 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.
