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 […]
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 […]
