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 […]

Home Auto Discount

The Home Auto Discount: There are dozens and dozens of discounts out there in the world of Insurance.   Some of them are odd and some of them are obvious.  Of all the discounts the one that is most mentioned by insurance agents and insurance commercials, is the so called Home Auto Discount.  At least […]

Don’t Get the Cheapest Insurance, Get the Best Insurance

It has been said numerous times, that in the absence of value, price is everything.   In today’s world of multiple insurance quotes, I find that many clients that seek my assistance have been led astray.   Insurance is more than just a premium.  The coverage forms for home insurance are entering a mind boggling […]

Documenting your Personal Possessions for Homeowners Insurance

Recently I posted a short article on Wallethub about how to document your personal possessions.   For home insurance it is imperative that you do so.  Insure undocumented possessions at your own peril.  Please read this entire post Documenting your Personal Possessions for Homeowners Insurance for important details. Lets be frank here, Insurance Companies realize […]

How to Check Consumer Complaints on Insurers

How to Check Consumer Complaints about Insurers.   Ranking for Insurance Companies.  Thoughts on Consumer Complaints and Insurers. From Time to Time, I find it interesting to check in on the performance of the various insurance companies that do business in California.  Being a free agent, I am open to broker insurance with numerous companies.   As […]

Obvious Ways to Keep your Insurance Clean from a Good Insurance Broker

Semi Obvious Ways to Keep your Insurance Clean from a Good Insurance Broker. There is lots of noise out there about insurance.  Much of it is dedicated to purchasing Auto or Home Insurance.  Not enough seems dedicated to protecting you – the consumer.  How best to protect myself and my family?   How can I customize […]

The Swiss Army Knife of the Financial World

It has been said that Whole Life Insurance is the Swiss Army Knife of the Financial World.  Where else can you have one financial product that solves so many financial issues and provides insurance?   Builds Cash Value, Pays for your Child’s College, Saves for Your Retirement, and Insures your Life.   Wow –  All in one! […]

Fireline and Your Home

fireline score

What is a Brushfire or Fireline score?  Brushfire Score and Your Home?  What to do.  How can we help. When evaluating your home for fire danger there are numerous considerations for insurance companies.  Some are simple to explain and some not so simple.  Some are obvious, some not so. In general your insurance company tries […]


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